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209 S Emmons St, Saint Johns, MI, 48879

5beds
3baths
--sqft
$235,000
--price/sqft
$1,715/moest. monthly cost
$68,600/yrincome needed

About This Home

Don't miss this fantastic duplex opportunity in the heart of St. Johns! Listed at $259,900, this versatile property features a spacious 3-bedroom, 2-bath lower unit and a comfortable 2-bedroom, 1-bath upper unit, offering the perfect setup for both homeowners and investors alike. Live in one unit while renting out the other and let your tenant help cover your mortgage—an ideal way to live nearly payment-free while building equity. Located within walking distance to downtown St. Johns, you'll enjoy easy access to local shops, dining, parks, and community events. Plus, the property includes an attached garage, adding convenience and extra storage. Highlights: Lower unit: 3 bed, 2 bath Upper unit: 2 bed, 1 bath Attached garage Prime location near downtown Strong income potential

Getting Around

39
WalkingCar-Dependent
0
TransitVery Limited Transit
36
BikeSomewhat Bikeable

Schools

8/10
Oakview Elementary SchoolGrades PK-50.8 mi
9/10
St. Johns Middle SchoolGrades 6-80.8 mi
6/10
St. Johns High SchoolGrades 9-120.5 mi

Construction

Condition

  • Year built: 1960

Materials

  • Foundation: Block
  • Roof: Shingle
  • Construction materials: Vinyl Siding,Aluminum Siding

Type & Style

  • Home type: MultiFamily
  • Property subType: Duplex

Interior

Appliances

  • Laundry features: In Unit,Laundry Room,Main Level,Upper Level

Basement

  • Has basement: Yes
  • Basement: Michigan

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3

Features

  • Flooring: Carpet,Laminate
  • Finished area above ground: 1,688

Heating & Cooling

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

Property

Details

  • Parcel number: 1930016000500600
  • Zoning description: Zoning

Features

  • Levels: Two
  • Stories: 2

Lot

  • Lot size: 6,534 sqft
  • Features: City Lot
  • Lot size dimensions: 55 x 120

Parking

  • Total spaces: 3
  • Parking features: Attached,Driveway,Garage
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 2
  • Has uncovered spaces: Yes
  • Carport: Yes
  • Carport spaces: 1

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
  • Ice Storm
    Ice StormModerate

How This Home’s Risks Compare

Strong Wind
Tornado
Cold Wave
Hail
Ice Storm

FEMA Declared Disasters in Clinton 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 $1,188$14,256
Home Insurance *$106$1,272
Property Taxes $233$2,796
Electricity $188$2,259
Total$1,715$20,580
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$58,800/yr
40% on housing$51,450/yr
45% on housing$45,733/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: 15.5%
15.5%
0%30.0%
Electricity Growth Rate10-year average: 3.9%
3.9%
0%15.0%
Property Taxes Growth Rate2-year average: 1.4%
1.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

--This listing

vs Other Active Listings

Avg $/sqft

ZIP 48879$160
Clinton County$161

vs Homes Sold Last Month

Median $/sqft

ZIP 48879$144
Clinton County$143

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
2026-04-29Listed for sale$259,900
2004-10-19Sold$100,000

For Sale by Agent

AgentJoe Mullaney
BrokerageRE/MAX Finest

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