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1316 Helen St, Midland, MI, 48640

5beds
4baths
4,285sqft
$587,750
$137price/sqft
$4,433/moest. monthly cost
$177,320/yrincome needed

About This Home

Centrally located in a prime Midland neighborhood near the Midland Country Club, the Center for the Arts, and Downtown, 1316 Helen Street offers over 3,600 sq ft of natural light filled living space with quality finishes and thoughtful design throughout. This spacious 5 bedroom, 3.5 bath home features an open main level with multiple living areas, including a family room with fireplace, a great room that can be closed off for privacy, and a living room overlooking the private backyard with mature trees and an electric fireplace. A grand foyer leads to the oversized kitchen with double ovens and direct access to the formal dining room. Laundry is available on both the main and upper levels for added convenience. Upstairs, the en-suite bedroom includes a large bath with double sinks, garden tub, separate shower, and a sitting area. Four additional bedrooms—one featuring a Murphy bed—provide flexible space for guests, work, or hobbies. A den/library with pocket doors adds another versatile room. A breezeway connects the home to the three car garage. Outdoor living includes a private deck, a connected patio, and a second deck designed around a central fire pit, creating multiple areas for seasonal enjoyment. Spring landscaping adds color and curb appeal. This property combines space, functionality, and a central Midland location.

Getting Around

51
WalkingSomewhat Walkable
0
TransitVery Limited Transit
56
BikeBikeable

Schools

7/10
Central Park ElementaryGrades K-50.6 mi
9/10
Northeast Middle SchoolGrades 6-81.7 mi
8/10
Midland High SchoolGrades 9-121.5 mi

Construction

Condition

  • Year built: 1940

Materials

  • Foundation: Basement
  • Construction materials: Stone,Vinyl Siding,Vinyl Trim

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Dryer,Freezer,Humidifier,Microwave,Range/Oven,Refrigerator,Washer,Gas Water Heater
  • Laundry features: Second Floor Laundry,Laundry Room,Main Level

Basement

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

Bathroom1

  • Level: Second
  • Area: 117

Bathroom2

  • Level: Second
  • Area: 84

Bathroom3

  • Level: Basement
  • Area: 48

Bedroom1

  • Features: Wood
  • Level: Second
  • Area: 156

Bedroom2

  • Features: Wood
  • Level: Second
  • Area: 176

Bedroom3

  • Features: Wood
  • Level: Second
  • Area: 165

Bedroom4

  • Features: Wood
  • Level: Second
  • Area: 168

Bedroom5

  • Features: Wood
  • Level: Second
  • Area: 140

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Dining Room

  • Features: Wood
  • Level: Main
  • Area: 117

Family Room

  • Features: Wood
  • Level: Main
  • Area: 266

Features

  • Sound System,Sump Pump,Walk-In Closet(s)
  • Window features: Bay Window(s)
  • Flooring: Hardwood,Wood
  • Number of fireplaces: 2
  • Fireplace features: Natural Fireplace,Electric
  • Fireplace: Yes
  • Finished area below ground: 680
  • Finished area above ground: 3,605

Heating & Cooling

  • Heating features: Forced Air,Natural Gas
  • Cooling features: Ceiling Fan(s),Central Air

Interior Area

  • Total structure area: 4,956
  • Total interior livable area: 4,285 sqft

Kitchen

  • Features: Wood
  • Level: First
  • Area: 240

Living Room

  • Features: Wood
  • Level: Main
  • Area: 345

Office

  • Level: Second
  • Area: 165

Property

Details

  • Parcel number: 141680344
  • Zoning description: Residential
  • Special condition: Private

Features

  • Levels: Two
  • Stories: 2
  • Frontage type: Road
  • Frontage length: 122

Lot

  • Lot size: 0.62 Acres
  • Features: Irregular Lot,Sidewalks,City Lot
  • Lot size dimensions: irr

Parking

  • Total spaces: 3
  • Parking features: 3 or More Spaces,Garage,Attached
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

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 WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Hail
    HailModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Strong Wind
Winter Weather
Hail
Lightning
Tornado

FEMA Declared Disasters in Midland 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 $2,971$35,652
Home Insurance *$315$3,780
Property Taxes $680$8,160
Electricity $467$5,608
Total$4,433$53,196
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$151,988/yr
40% on housing$132,990/yr
45% on housing$118,213/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: 8.7%
8.7%
0%30.0%
Electricity Growth Rate10-year average: 3.9%
3.9%
0%15.0%
Property Taxes Growth Rate2-year average: 0.6%
0.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$137This listing

vs Other Active Listings

Avg $/sqft

ZIP 48640$147
Midland County$154

vs Homes Sold Last Month

Median $/sqft

ZIP 48640$140
Midland County$140

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
2026-08-13Price change$549,900
2026-07-17Listed for sale$587,750
2007-07-25Sold$300,000
1995-07-06Sold$145,000

For Sale by Agent

AgentDoug Gowing
BrokerageCentury 21 Signature Realty Midland

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