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10363 N Bray Rd, Clio, MI, 48420

2beds
1baths
1,920sqft
$260,000
$135price/sqft
$2,132/moest. monthly cost
$85,280/yrincome needed

About This Home

Opportunity awaits on 4.38 acres! Nestled among mature trees, this 1995 log home offers approximately 1,920 square feet of living space and the chance to own the character and warmth of a true log home while adding your own updates over time. Inside, you'll find a functional layout featuring a spacious living room with a gas fireplace, a large kitchen with abundant cabinetry, a newer gas stove and refrigerator, and the timeless appeal of exposed log walls throughout. Major mechanical updates include a brand-new furnace, water heater and updated electrical, allowing the next owner to focus on cosmetic improvements. The home will benefit from new flooring and exterior maintenance, making it an excellent opportunity to build equity while enjoying the property. An unfinished basement with exterior access provides additional storage and utility space. Situated on 4.38 acres, there's plenty of room to enjoy the outdoors, create your own private retreat, or simply appreciate the peaceful country setting. Whether you're looking for a full-time residence, a weekend getaway, or a property with long-term potential, this home offers a great chance to own a true log home with room to make it your own.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
24
BikeSomewhat Bikeable

Schools

2/10
Moore Elementary SchoolGrades 2-32.5 mi
2/10
3/10

Construction

Condition

  • Year built: 1995

Materials

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

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Free Standing Gas Oven,Free Standing Refrigerator,Washer

Basement

  • Has basement: Yes
  • Basement: Unfinished,Walk Up Access

Bedroom

  • Level: Second
  • Area: 255
  • Dimensions: 15 X 17

Bedrooms & Bathrooms

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

Dining Room

  • Level: Entry
  • Area: 180
  • Dimensions: 15 X 12

Features

  • Fireplace features: Gas
  • Fireplace: Yes
  • Finished area above ground: 1,920

Heating

  • Heating features: Forced Air,Natural Gas

Interior Area

  • Total interior livable area: 1,920 sqft

Kitchen

  • Level: Entry
  • Area: 150
  • Dimensions: 15 X 10

Living Room

  • Level: Entry
  • Area: 483
  • Dimensions: 23 X 21

Other

  • Level: Entry
  • Area: 56
  • Dimensions: 7 X 8

Primary Bedroom

  • Level: Entry
  • Area: 240
  • Dimensions: 20 X 12

Property

Details

  • Parcel number: 1729200039
  • Special condition: Short Sale No,Standard

Features

  • Levels: One And One Half
  • Stories: 1
  • Entry location: GroundLevelwSteps
  • Pool features: None
  • Patio & porch: Deck

Lot

  • Lot size: 4.38 Acres
  • Lot size dimensions: 159 x 1201

Parking

  • Parking features: No Garage

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
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Cold Wave
Strong Wind
Tornado

FEMA Declared Disasters in Genesee 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 $1,314$15,768
Home Insurance *$176$2,112
Property Taxes $433$5,196
Electricity $209$2,513
Total$2,132$25,584
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$73,097/yr
40% on housing$63,960/yr
45% on housing$56,853/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: 12.1%
12.1%
0%30.0%
Electricity Growth Rate10-year average: 3.9%
3.9%
0%15.0%
Property Taxes Growth Rate2-year average: -0.2%
-0.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$135This listing

vs Other Active Listings

Avg $/sqft

ZIP 48420$122
Genesee County$102

vs Homes Sold Last Month

Median $/sqft

ZIP 48420$152
Genesee County$122

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
2026-08-16Price change$245,000
2026-07-31Listed for sale$260,000
2024-12-13Sold$200,000
2024-12-10Pending sale$179,900
2024-10-31Listed for sale$179,900

For Sale by Agent

AgentChad Willmore
BrokerageTall Oaks Realty

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