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815 Union St, Monroe, MI, 48161

3beds
2baths
1,296sqft
$180,000
$139price/sqft
$1,364/moest. monthly cost
$54,560/yrincome needed

About This Home

Investment opportunity! Affordable duplex, both occupied. 815 Union is a 2 bedroom 1 bath unit. 821 Union is a 1 bedroom 1 bath unit. Large yard. Basement - New basement floor and new patio 2025. New porch railing. 820 Union-new kitchen cabinets, new bathroom vanity and toilet. Both tenants pay their own separate utilities. Nice porch. Across from newly built park.

Getting Around

56
WalkingSomewhat Walkable
0
TransitVery Limited Transit
59
BikeBikeable

Schools

4/10
Custer Elementary SchoolGrades PK-62.3 mi
6/10
Monroe Middle SchoolGrades 6-80.7 mi
--
Monroe High SchoolGrades 8-121.3 mi

Construction

Condition

  • Year built: 1916

Materials

  • Foundation: Basement
  • Construction materials: Other

Type & Style

  • Home type: MultiFamily
  • Architectural style: Ranch
  • Property subType: Multi Family

Interior

Appliances

  • Appliances included: Gas Water Heater

Basement

  • Has basement: Yes
  • Basement: Block

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: None

Interior Area

  • Total structure area: 1,296
  • Total interior livable area: 1,296 sqft

Property

Details

  • Parcel number: 5551900132000
  • Special condition: Private

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Patio

Lot

  • Lot size: 0.26 Acres
  • Lot size dimensions: 68 x 166

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
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Strong Wind
Tornado
Winter Weather
Tsunami

FEMA Declared Disasters in Monroe 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 $910$10,920
Home Insurance *$110$1,320
Property Taxes $156$1,872
Electricity $188$2,259
Total$1,364$16,368
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$46,765/yr
40% on housing$40,920/yr
45% on housing$36,373/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: 11.0%
11.0%
0%30.0%
Electricity Growth Rate10-year average: 3.9%
3.9%
0%15.0%
Property Taxes Growth Rate2-year average: 3.1%
3.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$139This listing

vs Other Active Listings

Avg $/sqft

ZIP 48161$119
Monroe County$132

vs Homes Sold Last Month

Median $/sqft

ZIP 48161$132
Monroe County$173

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
2026-02-28Price change$180,000
2025-09-13Listed for sale$185,000
1999-06-11Sold$87,500

For Sale by Agent

AgentAnnette Perna-Taormina
BrokerageGerweck Real Estate in Monroe

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