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945 Saint James Park Ave, Monroe, MI, 48161

3beds
4baths
3,188sqft
$474,900
$149price/sqft
$3,451/moest. monthly cost
$138,040/yrincome needed

About This Home

Luxury living on the fairway. This exquisite home is situated along the pristine greens of a beautiful golf course. Featuring two bedrooms and a loft (3rd bedroom), office/den, dining room, large two story great room with a gas fireplace and a gourmet kitchen with sitting area. The first floor master bedroom overlooks the picturesque golf course and is a private retreat with his and her closets, vanity area, dual sinks, soaker tub, and separate shower. The kitchen is designed for both everyday living and entertaining with ample cabinetry and a large center island. All appliances included. First floor laundry. Full partially finished basement with a kitchenette (stove, refrigerator and microwave stay - TV too!) Basement also has substantial storage space. Outside, enjoy your morning coffee or evening gatherings on the patio overlooking a pond and 9th fairway. The scenic living is unmatched. Whole house generator. Two car attached garage.

Getting Around

14
WalkingCar-Dependent
0
TransitVery Limited Transit
28
BikeSomewhat Bikeable

Schools

--
Waterloo SchoolGrades PK-61.4 mi
--
Monroe High SchoolGrades 8-120.8 mi
6/10
Monroe Middle SchoolGrades 6-82.8 mi

Construction

Condition

  • Property condition: Site Condo
  • Year built: 2003

Materials

  • Foundation: Basement,Poured,Sump Pump
  • Construction materials: Brick

Type & Style

  • Home type: SingleFamily
  • Architectural style: Colonial
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Electric Cooktop,Free Standing Freezer,Free Standing Gas Range,Free Standing Refrigerator,Microwave,Washer

Basement

  • Has basement: Yes
  • Basement: Full,Partially Finished

Bedroom

  • Level: Second
  • Area: 196
  • Dimensions: 14 X 14

Bedroom

  • Level: Second
  • Area: 195
  • Dimensions: 15 X 13

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Dining Room

  • Level: Entry
  • Area: 154
  • Dimensions: 14 X 11

Family Room

  • Level: Entry
  • Area: 374
  • Dimensions: 22 X 17

Features

  • Fireplace features: Family Room,Gas
  • Fireplace: Yes
  • Finished area below ground: 300
  • Finished area above ground: 2,888

Heating & Cooling

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

Interior Area

  • Total interior livable area: 3,188 sqft

Kitchen

  • Level: Entry
  • Area: 220
  • Dimensions: 20 X 11

Laundry

  • Level: Entry
  • Area: 60
  • Dimensions: 6 X 10

Library

  • Level: Entry
  • Area: 140
  • Dimensions: 10 X 14

Other

  • Level: Basement

Other

  • Level: Second

Other

  • Level: Entry

Other

  • Level: Basement
  • Area: 80
  • Dimensions: 10 X 8

Primary Bathroom

  • Level: Second

Primary Bedroom

  • Level: Entry
  • Area: 256
  • Dimensions: 16 X 16

Sitting Room

  • Level: Entry
  • Area: 80
  • Dimensions: 10 X 8

Sitting Room

  • Level: Basement
  • Area: 80
  • Dimensions: 10 X 8

Property

Details

  • Parcel number: 581226700601
  • Special condition: Short Sale No,Standard

Features

  • Levels: Two
  • Stories: 2
  • Entry location: GroundLevel
  • Pool features: None
  • Patio & porch: Patio
  • Exterior features: Barbecue,Grounds Maintenance
  • Waterfront features: Pond

Lot

  • Lot size: 0.28 Acres
  • Lot size dimensions: 50 x 218

Parking

  • Total spaces: 2
  • Parking features: Two Car Garage,Attached
  • Has garage: Yes
  • Attached garage spaces: 2

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

  • Inland Flooding
    Inland FloodingRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Ice Storm
    Ice StormModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Inland Flooding
Strong Wind
Tornado
Cold Wave
Hail
Ice Storm
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 $2,401$28,812
Home Insurance *$292$3,504
Property Taxes $411$4,932
Electricity $347$4,172
Total$3,451$41,412
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$118,320/yr
40% on housing$103,530/yr
45% on housing$92,026/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

$149This listing

vs Other Active Listings

Avg $/sqft

ZIP 48161$118
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)

Price History

DateEventPrice
2026-04-28Listed for sale$550,000
2013-04-05Sold$252,509

For Sale by Agent

AgentVictoria Kacorzyk
BrokerageCarol Bollo & Associates

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