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9990 Southwinds Dr, Ira, MI, 48023

2beds
2baths
1,100sqft
$25,000
$23price/sqft
$342/moest. monthly cost
$13,680/yrincome needed

About This Home

Yeah—it feels a little jumpy because it repeats ideas and breaks the flow. Here’s a smoother, tighter version that still sounds natural and not overly “realtor”: ? 2 bed, 2 bath home in the Shores of Anchor Bay community at the tip of Anchor Bay. Around 1200 sq ft with a split layout—master suite with walk-in closet and private bath on one end, second bedroom and full bath on the other. Works well for guests, kids, or an office. The home has been heavily updated and feels more like a house than a typical trailer. Full-size doors, updated trim and lighting, plus completely redone kitchen and bathrooms with tile flooring, new vanities, and toilets. Durable flooring throughout with a clean, open flow. All appliances are newer (under 3–4 years old) and negotiable with the sale. Big upgrades already done: metal roof, brand new siding, and a fully encapsulated crawl space that’s clean, dry, heated, and easy to access—no worrying about frozen pipes and extra storage space if needed. Outside has a large deck, shed, and room for parking or outdoor setup. Community includes a pool, gym, playground, and lawn care. Park approval required, quick and straightforward process. Move-in ready with the major stuff already taken care of.

Getting Around

8
WalkingCar-Dependent
0
TransitVery Limited Transit
29
BikeSomewhat Bikeable

Schools

6/10
7/10
Anchor Bay High SchoolGrades 9-121.5 mi

Construction

Materials

  • Roof: Metal

Type & Style

  • Home type: SingleFamily

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Garbage disposal,Range / Oven,Refrigerator,Washer

Basement

  • Basement: None

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Flooring: Tile,Linoleum / Vinyl

Heating

  • Heating features: Forced air,Gas

Interior Area

  • Total interior livable area: 1,100 sqft

Property

Features

  • Exterior features: Vinyl

Parking

  • Total spaces: 3
  • Parking features: Off-street

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Cold Wave
    Cold WaveModerate
  • Ice Storm
    Ice StormModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Cold Wave
Ice Storm
Strong Wind
Tornado
Tsunami

FEMA Declared Disasters in St. Clair County and Michigan

Severe Ice Storm
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $126$1,512
Home Insurance *$7$84
Property Taxes $21$252
Electricity $188$2,259
Total$342$4,104
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$11,725/yr
40% on housing$10,260/yr
45% on housing$9,120/yr

Michigan FAIR Plan Programs

Michigan Basic Property Insurance Association

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 15,981Commercial: 293
Total Premiums$13.85M
Total Exposure$2.60B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 10.5%
10.5%
0%30.0%
Electricity Growth Rate10-year average: 3.9%
3.9%
0%15.0%
Property Taxes Growth Rate2-year average: -0.3%
-0.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$23This listing

vs Other Active Listings

Avg $/sqft

ZIP 48023$191
St. Clair County$153

vs Homes Sold Last Month

Median $/sqft

ZIP 48023$227
St. Clair County$169

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

No zestimate history available

Price History

DateEventPrice
2026-03-30Price change$30,000
2026-02-07Listed for sale$50,000

For Sale by Owner

AgentProperty Owner

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