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519 E Spruce St, Marshall, MI, 49068

3beds
3baths
2,058sqft
$375,000
$182price/sqft
$2,777/moest. monthly cost
$111,080/yrincome needed

About This Home

TWO FOR THE PRICE OF ONE? Selling the house at 519 E. Spruce St. and 317 S. Liberty across the street which is a lot w/frontage on Rice Creek! Steps lead down to a landing w/benches to enjoy the rippling water. It is just beautiful! A park like setting w/weeping cherry trees, dogwood, Japanese maple, ornamental pear & fantastic views of Rice Creek is what you'll enjoy w/this 3 bedroom, 2 1/2 bath home quilt by Alta brooks in 1968. The galley kitchen w/its Williamsburg light fixtures & large pantry opens into the formal dining room that looks out through sliders onto a brick courtyard w/its many beautiful plantings & the ''she'' shed that's perfect for gardening. French doors open into the living room that features a cozy gas log fireplace. The main floor primary ensuite features an updated tiled ''step-in'': shower. Upstairs you'll find 2 bedrooms & a full bath. Amenities include: Main floor laundry, central air, full basement (ready to finish ) w/a wood burning fireplace, 1-car garage w/ramp, carport & a new wood fence. Asking $525,000.

Getting Around

63
WalkingSomewhat Walkable
0
TransitVery Limited Transit
59
BikeBikeable

Schools

7/10
Gordon Elementary SchoolGrades PK-50.5 mi
6/10
Marshall Middle SchoolGrades 6-80.2 mi
9/10
Marshall High SchoolGrades 9-121.2 mi

Construction

Condition

  • Year built: 1968

Materials

  • Roof: Shingle
  • Construction materials: Brick,Wood Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Humidifier,Built-In Electric Oven,Cooktop,Dishwasher,Disposal,Dryer,Microwave,Range,Refrigerator,Washer,Water Softener Rented
  • Laundry features: Gas Dryer Hookup,In Bathroom,Main Level,Sink,Washer Hookup

Basement

  • Basement: Full

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1
  • Main level bedrooms: 1

Features

  • Ceiling Fan(s),Pantry
  • Window features: Storms,Screens,Replacement,Insulated Windows,Window Treatments
  • Flooring: Carpet,Ceramic Tile,Linoleum,Wood
  • Number of fireplaces: 2
  • Fireplace features: Gas Log,Living Room,Wood Burning
  • Fireplace: Yes
  • Finished area below ground: 0

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,058
  • Total interior livable area: 2,058 sqft

Property

Accessibility

  • Accessibility features: Accessible Approach with Ramp,Accessible Mn Flr Bedroom,Covered Ramp,Grab Bar Mn Flr Bath,Low Threshold Shower,Accessible Entrance

Details

  • Parcel number: 5300117000

Features

  • Stories: 2
  • Fencing: Privacy
  • On waterfront: Yes
  • Waterfront features: Stream/Creek
  • Waterbody name: Rice Creek

Lot

  • Lot size: 8,712 sqft
  • Features: Corner Lot,Level,Ground Cover,Shrubs/Hedges
  • Lot size dimensions: 66 x 132

Parking

  • Total spaces: 1
  • Parking features: Garage Faces Side,Garage Door Opener,Carport,Attached
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1
  • 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

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

How This Home’s Risks Compare

Strong Wind
Tornado
Cold Wave
Hail
Inland Flooding
Ice Storm
Winter Weather

FEMA Declared Disasters in Calhoun 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 $1,896$22,752
Home Insurance *$239$2,868
Property Taxes $418$5,016
Electricity $224$2,693
Total$2,777$33,324
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$95,211/yr
40% on housing$83,310/yr
45% on housing$74,053/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: 5.0%
5.0%
0%30.0%
Electricity Growth Rate10-year average: 3.9%
3.9%
0%15.0%
Property Taxes Growth Rate2-year average: 1.2%
1.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$182This listing

vs Other Active Listings

Avg $/sqft

ZIP 49068$142
Calhoun County$125

vs Homes Sold Last Month

Median $/sqft

ZIP 49068$142
Calhoun County$132

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
2026-04-20Listed for sale$525,000

For Sale by Agent

AgentCarole Shapiro
BrokerageBerkshire Hathaway HomeServices Michigan Real Estate

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