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398 Howard Ave, Grand Haven, MI, 49417

2beds
2baths
804sqft
$479,000
$596price/sqft
$3,160/moest. monthly cost
$126,400/yrincome needed

About This Home

RARE GRANDFATHERED RENTAL OPPORTUNITY in the heart of Grand Haven! This charming 2-bedroom, 1.5-bath home offers a highly sought-after rental designation that is increasingly difficult to find, creating exceptional investment potential and added long-term value. Nestled in a quiet neighborhood, 398 Howard Avenue is ideally located just blocks from the downtown waterfront and only one block from the famous U.S. Coast Guard Festival parade route. Whether you're looking for a year-round residence, vacation getaway, or income-producing property, this unique home offers an opportunity that few properties can match. Inside, you'll find an updated kitchen, beautiful hardwood floors, and a warm, inviting atmosphere full of character and charm. The home's walkable location allows you to leave the car behind and enjoy everything Grand Haven has to offer. Take a short stroll to the iconic Boardwalk, Musical Fountain, waterfront parks, boutique shopping, local restaurants, coffee shops, and the vibrant downtown district. Enjoy summer festivals, waterfront sunsets, and all the benefits of living in one of West Michigan's most beloved lakeshore communities. Properties with grandfathered rental status are exceptionally rare, making this a standout opportunity for buyers seeking flexibility, investment potential, and an unbeatable location. Don't miss your chance to own a special piece of Grand Haven with both lifestyle appeal and income-producing possibilities.

Getting Around

56
WalkingSomewhat Walkable
0
TransitVery Limited Transit
53
BikeBikeable

Schools

6/10
Grand Haven High SchoolGrades 9-123.5 mi
8/10
Lakeshore Middle SchoolGrades 7-80.5 mi

Construction

Condition

  • Year built: 1920

Materials

  • Foundation: Basement,Block
  • Roof: Asphalt
  • Construction materials: Wood Siding

Type & Style

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

Interior

Appliances

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

Basement

  • Has basement: Yes
  • Basement: Unfinished

Bedroom

  • Level: Second
  • Area: 121
  • Dimensions: 11 X 11

Bedrooms & Bathrooms

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

Dining Room

  • Level: Entry
  • Area: 144
  • Dimensions: 16 X 9

Features

  • Finished area above ground: 804

Heating & Cooling

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

Interior Area

  • Total interior livable area: 804 sqft

Kitchen

  • Level: Entry
  • Area: 121
  • Dimensions: 11 X 11

Living Room

  • Level: Entry
  • Area: 117
  • Dimensions: 13 X 9

Other

  • Level: Second
  • Area: 70
  • Dimensions: 10 X 7

Other

  • Level: Entry
  • Area: 28
  • Dimensions: 7 X 4

Primary Bedroom

  • Level: Second
  • Area: 192
  • Dimensions: 16 X 12

Property

Details

  • Parcel number: 700320485004
  • Special condition: Short Sale No,Standard

Features

  • Levels: Two
  • Stories: 2
  • Entry location: GroundLevelwSteps
  • Pool features: None

Lot

  • Lot size: 9,147 sqft
  • Features: Sprinklers
  • Lot size dimensions: 33 x 277

Parking

  • Parking features: Driveway,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

  • Strong Wind
    Strong WindRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Strong Wind
Cold Wave
Hail
Inland Flooding
Lightning
Tornado
Winter Weather
Tsunami

FEMA Declared Disasters in Ottawa 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 $2,422$29,064
Home Insurance *$139$1,668
Property Taxes $411$4,932
Electricity $188$2,259
Total$3,160$37,920
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$108,342/yr
40% on housing$94,800/yr
45% on housing$84,266/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: 6.7%
6.7%
0%30.0%
Electricity Growth Rate10-year average: 3.9%
3.9%
0%15.0%
Property Taxes Growth Rate2-year average: 4.4%
4.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$596This listing

vs Other Active Listings

Avg $/sqft

ZIP 49417$221
Ottawa County$234

vs Homes Sold Last Month

Median $/sqft

ZIP 49417$246
Ottawa County$223

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
2026-06-24Listed for sale$479,000
2021-10-10Listing removed--
2021-10-08Listed for rent$1,350
2021-10-06Sold$380,000
2021-08-23Pending sale$399,000
2021-07-28Price change$399,000
2021-07-02Listed for sale$429,000
2016-03-11Sold$170,000
2011-07-06Sold$105,900
2011-05-29Listed for sale$109,500

For Sale by Agent

AgentAlaina Harris
BrokerageEasy Real Estate Services

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