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2396 N Spruce Ridge Dr, Midland, MI, 48642

4beds
3baths
2,112sqft
$439,000
$208price/sqft
$3,536/moest. monthly cost
$141,440/yrincome needed

About This Home

Welcome to the neighborhood—where comfort, space, and thoughtful updates come together in this beautifully maintained contemporary home. Offering over 2,100 square feet of living space, this exceptional property features 4 generously sized bedrooms and 2½ bathrooms designed to accommodate both everyday living and entertaining. Enjoy the benefits of an energy-efficient home; seller reports relatively low heating and cooling costs over the years. At the heart of the home is a spacious chef’s kitchen featuring beautiful granite countertops, abundant cabinetry, and ample prep space. Updated with granite in 2015, the kitchen flows seamlessly into the dining area and adjoining family room, creating an inviting gathering space for family and friends. Striking Brazilian cherry hardwood flooring extends throughout these main living areas, adding warmth, elegance, and timeless appeal. The upper level offers a spacious primary suite complete with a private bath and generous closet space, providing a comfortable retreat at the end of the day. The convenience of an upstairs laundry room enhances the home's functionality, while the updated bathrooms offer modern finishes and style. The full basement provides the perfect blend of finished and unfinished space, offering flexibility for a variety of needs. The finished area is ideal for additional living or recreation space, while the unfinished portion provides excellent storage. A versatile lower-level flex room can easily serve as a family room, home office, fitness area, playroom, hobby space, or whatever best suits your lifestyle. Thoughtful updates throughout the years have enhanced both the comfort and efficiency of the home. A high-efficiency furnace installed in 2021 helps keep utility costs lower than many comparable properties, adding to the home's overall value and appeal. Car enthusiasts, hobbyists, entrepreneurs, or those simply needing extra storage will appreciate the rare combination of an attached garage and a fully detached garage in the backyard. Together, these spaces provide exceptional versatility for vehicles, workshop space, projects, storage, or even a home-based business. Situated on a generous 1.5-acre lot, the property offers a wonderful balance of open space and privacy, giving you plenty of room to relax, entertain, garden, or enjoy outdoor activities. Combining spacious living areas, quality updates, energy-efficient features, and outstanding garage space, this home truly checks all the boxes—offering the perfect blend of comfort, style, functionality, and versatility in a sought-after neighborhood.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

6/10
5/10

Construction

Condition

  • Year built: 1998

Materials

  • Foundation: Basement
  • Construction materials: Brick,Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Dryer,Microwave,Range/Oven,Refrigerator,Washer,Gas Water Heater

Basement

  • Has basement: Yes
  • Basement: Egress/Daylight Windows,Full,Partially Finished,Poured,Sump Pump

Bathroom1

  • Level: Second

Bathroom2

  • Level: Second

Bedroom1

  • Level: Second
  • Area: 182

Bedroom2

  • Level: Second
  • Area: 169

Bedroom3

  • Level: Second
  • Area: 140

Bedroom4

  • Level: Second
  • Area: 110

Bedrooms & Bathrooms

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

Dining Room

  • Level: First
  • Area: 196

Features

  • 9 ft + Ceilings,Cathedral/Vaulted Ceiling
  • Window features: Window Treatments,Storms/Screens
  • Flooring: Ceramic,Hardwood
  • Fireplace features: Gas,Great Room
  • Fireplace: Yes
  • Finished area below ground: 503

Heating & Cooling

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

Interior Area

  • Total structure area: 21,121,006
  • Total interior livable area: 2,112 sqft

Kitchen

  • Level: First
  • Area: 169

Living Room

  • Level: First
  • Area: 182

Property

Details

  • Parcel number: 11059100002800
  • Zoning description: Residential
  • Other equipment: Sump Pump

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Deck,Patio,Porch
  • Exterior features: Lawn Sprinkler
  • Waterfront features: None
  • Frontage type: Road
  • Frontage length: 93

Lot

  • Lot size: 1.47 Acres
  • Features: Deep Lot - 150+ Ft.
  • Lot size dimensions: Irregular

Parking

  • Total spaces: 2.5
  • Parking features: Attached,Electric in Garage,Garage Door Opener,Off Street,3 or More Spaces,Garage,On Street
  • Has garage: Yes
  • Attached garage spaces: 2.5
  • Covered spaces: 2.5
  • Has uncovered spaces: 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

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

How This Home’s Risks Compare

Cold Wave
Strong Wind
Winter Weather
Hail
Inland Flooding
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 $2,219$26,628
Home Insurance *$218$2,616
Property Taxes $869$10,428
Electricity $230$2,764
Total$3,536$42,432
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$121,234/yr
40% on housing$106,080/yr
45% on housing$94,293/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

$208This listing

vs Other Active Listings

Avg $/sqft

ZIP 48642$180
Midland County$154

vs Homes Sold Last Month

Median $/sqft

ZIP 48642$161
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
2026-08-05Price change$429,000
2026-06-04Listed for sale$439,000
2001-11-29Sold$207,000

For Sale by Agent

AgentKelly Stinson
BrokerageMID-LAND REALTORS

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