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1864 E Chippewa River Rd, Midland, MI, 48640

4beds
3baths
2,832sqft
$365,000
$129price/sqft
$2,771/moest. monthly cost
$110,840/yrincome needed

About This Home

Don’t miss this captivating house on E Chippewa River Road. This beautiful home sits on over two acres and offers four large bedrooms, three full bathrooms, endless storage, and spacious living/entertaining spaces, all of which are flooded with natural light and views of the property. Conveniently located near the downtown Midland district, but nestled away in a picturesque wooded setting across from the Chippewa Nature Center. Step into your inviting foyer and be greeted with soaring ceilings, a coat closet, and tile floor. Move through your spacious kitchen equipped with a large island, recently updated cupboards and quartz countertops(2024), stainless steel appliances, and loads of storage. Right off the kitchen is a generous formal dining room, great for family dinners or get-togethers with friends. Next, check out the living room with vaulted ceilings, a large brick fireplace, and a full view of your two acres of partially wooded riverfront property. Notice the great floor layout as you move from the living spaces to the first-floor bedrooms. All three bedrooms feature very generous closets, huge windows, fresh paint, and new LVF(2024) throughout. The completely updated first-floor bath is located in the central hallway across from the well-situated main floor laundry area. Don’t forget your private primary suite on the upper level. Enjoy the sizable bedroom space with multiple large closets. You’ll be delighted to find a luxurious tiled bathroom with a two-person jetted tub and shower. The skylights in the bedroom, bathroom, and loft will give you all the natural light you could wish for! The walkout basement is currently being used as an entertaining space and home gym/storage area. It features two framed rooms, a full bath with a tiled shower, large windows, a fireplace, and walkout access to the expansive lot. This space can be customized to your liking, with the ability to make a great mother-in-law suite or other passive income opportunities.

Getting Around

10
WalkingCar-Dependent
0
TransitVery Limited Transit
39
BikeSomewhat Bikeable

Schools

7/10
Central Park ElementaryGrades K-53.3 mi
9/10
Jefferson Middle SchoolGrades 6-84.2 mi
9/10
H.H. Dow High SchoolGrades 9-122.6 mi

Construction

Condition

  • Year built: 1968

Materials

  • Roof: Asphalt

Type & Style

  • Home type: SingleFamily

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Microwave,Range / Oven,Washer

Basement

  • Basement: Unfinished

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3

Features

  • Flooring: Tile,Other,Carpet,Linoleum / Vinyl
  • Fireplace: Yes

Heating

  • Heating features: Radiant

Interior Area

  • Total interior livable area: 2,832 sqft

Property

Details

  • Parcel number: 04002410065000

Features

  • Exterior features: Brick
  • Has view: Yes
  • View description: Water
  • Has water view: Yes
  • Water view: Water
  • On waterfront: Yes

Lot

  • Lot size: 2 Acres

Parking

  • Total spaces: 2
  • Parking features: Garage - Attached

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 WindVery High
  • Winter Weather
    Winter WeatherVery High
  • Cold Wave
    Cold WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Tornado
    TornadoRelatively High
  • Hail
    HailModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Strong Wind
Winter Weather
Cold Wave
Inland Flooding
Tornado
Hail
Lightning

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 $1,845$22,140
Home Insurance *$196$2,352
Property Taxes $422$5,064
Electricity $308$3,706
Total$2,771$33,252
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$95,005/yr
40% on housing$83,130/yr
45% on housing$73,893/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

$129This 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
2026-04-14Price change$384,999
2026-03-30Price change$389,900
2026-03-24Price change$395,000
2026-03-05Price change$399,900
2025-12-16Price change$405,000
2025-12-03Price change$420,000
2025-11-21Listed for sale$435,000
2023-07-11Sold$179,000
2023-05-09Pending sale$187,700
2023-04-26Price change$187,700
2023-04-17Price change$188,800
2023-04-13Listed for sale$189,900
2023-04-06Pending sale$189,900
2023-03-31Listed for sale$189,900

For Sale by Owner

AgentProperty Owner

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