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54795 Shelby Rd #87, Utica, MI, 48316

2beds
1baths
850sqft
$145,000
$171price/sqft
$1,119/moest. monthly cost
$44,760/yrincome needed

About This Home

DON'T MAKE A MOVE WITHOUT checking out this BEAUTIFULLY UPDATED MOVE IN CONDITION second-floor ranch condo in the highly desirable Vista Lakes community! Offering 2 bedrooms and 1 full bath, this move-in-ready home features luxury vinyl plank flooring throughout, creating a modern and cohesive feel. The bright kitchen is equipped with stainless steel appliances and opens to the dining and living areas, making everyday living and entertaining a breeze. The completely renovated full bathroom offers stylish, modern finishes, adding to the home's fresh, updated appeal. Relax on your private balcony overlooking the community's picturesque pond and fountain. Enjoy the convenience of in-unit laundry, a private storage room in the common basement, and an assigned carport located just outside your front door. Residents also have access to the community clubhouse and are just steps from the Macomb Orchard Trail, with Stony Creek Metropark, shopping, dining, and everyday conveniences all nearby. Located within the Utica Community Schools district, this is low-maintenance living in an unbeatable location! HOA does not allow dogs.

Getting Around

49
WalkingCar-Dependent
0
TransitVery Limited Transit
58
BikeBikeable

Schools

8/10
Switzer Elementary SchoolGrades PK-60.7 mi
7/10
Malow Junior High SchoolGrades 7-91.0 mi
9/10
Eisenhower High SchoolGrades 10-121.1 mi

Construction

Condition

  • Year built: 1972

Materials

  • Foundation: Basement,Block
  • Roof: Asphalt
  • Construction materials: Brick

Type & Style

  • Home type: Condo
  • Architectural style: Ranch
  • Property subType: Condominium

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Free Standing Gas Range,Free Standing Refrigerator,Microwave,Stainless Steel Appliances,Washer
  • Laundry features: In Unit,Laundry Room

Basement

  • Has basement: Yes
  • Basement: Common,Unfinished

Bedroom

  • Level: Second
  • Area: 110
  • Dimensions: 11 X 10

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1

Dining Room

  • Level: Second
  • Area: 77
  • Dimensions: 11 X 7

Features

  • Finished area above ground: 850

Heating & Cooling

  • Heating features: Forced Air,Natural Gas
  • Cooling features: Ceiling Fans,Central Air

Interior Area

  • Total interior livable area: 850 sqft

Kitchen

  • Level: Second
  • Area: 63
  • Dimensions: 7 X 9

Laundry

  • Level: Second
  • Area: 49
  • Dimensions: 7 X 7

Living Room

  • Level: Second
  • Area: 165
  • Dimensions: 15 X 11

Other

  • Level: Second
  • Area: 50
  • Dimensions: 10 X 5

Other

  • Level: Basement
  • Area: 54
  • Dimensions: 9 X 6

Primary Bedroom

  • Level: Second
  • Area: 120
  • Dimensions: 12 X 10

Property

Details

  • Parcel number: 0708102091
  • Special condition: Short Sale No,Standard

Features

  • Levels: One Story Up
  • Stories: 1
  • Entry location: UpperLevelwSteps
  • Exterior features: Balcony
  • Fencing: Fencingnot Allowed
  • Waterfront features: Pond

Parking

  • Parking features: Parking Lot,No Garage,Carport
  • Carport: Yes

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 WaveRelatively High
  • Tornado
    TornadoRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Strong Wind
    Strong WindModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Cold Wave
Tornado
Inland Flooding
Ice Storm
Strong Wind
Tsunami

FEMA Declared Disasters in Macomb County and Michigan

Flood
Severe Ice Storm
Severe Storm
Tornado
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 $733$8,796
Home Insurance *$50$600
Property Taxes $148$1,776
Electricity $188$2,259
Total$1,119$13,428
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$38,365/yr
40% on housing$33,570/yr
45% on housing$29,840/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: 11.9%
11.9%
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

$171This listing

vs Other Active Listings

Avg $/sqft

ZIP 48316$176
Macomb County$145

vs Homes Sold Last Month

Median $/sqft

ZIP 48316$205
Macomb County$162

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
2026-08-18Pending sale$145,000
2026-07-01Listed for sale$145,000

For Sale by Agent

AgentCaron Koteles Riha
BrokerageReal Estate One-Rochester

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