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For sale
    • Price cut: $25K (6/19)
    $450,000

    103 Harbor St, Oscoda, MI 48750

    4beds
    2,230sqft
    : 
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    Single Family Residence
    Built in 1963
    0.25 Acres Lot
    $442,400 Zestimate®
    $202/sqft
    $-- HOA

    What's special

    Waterfront propertyRelaxing hot tubAdditional storage shedSpacious garden areaTwo separate living spaces
    Amazing opportunity in the heart of Downtown Oscoda! This unique waterfront property offers 150 feet of frontage on the beautiful Au Sable River and is just a short walk to Lake Huron, giving you the best of both riverfront and beach-town living. Enjoy direct river access with a concrete walk and steel seawall reinforcement, all while taking in stunning views of one of Northern Michigan’s most desirable waterfront settings. Whether you're looking for a year-round residence, vacation getaway, or investment opportunity, this property checks every box. The home is thoughtfully divided into two separate living spaces, each featuring its own kitchen, bedrooms, and bathrooms—perfect for multi-generational living, hosting guests, or generating additional income. Currently operating as a successful short-term rental property, the income potential is already in place. Outside, the property continues to impress with a 2.5-car attached garage, spacious garden area, relaxing hot tub, and an additional storage shed. Opportunities like this—downtown location, river frontage, walkability to the lake, and built-in income potential—rarely come available. Don’t miss your chance to own a truly special piece of Oscoda!
    83 days
    |
    484
    |
    19
    |

    Zillow last checked:

    Listing updated:

    Listed by:

    Jesica Spencer 248-396-7895,

    Spencer Real Estate, LLC 833-765-3773

    Source: Realcomp II,MLS#: 20261029234MLS Logo

      Facts & features

      Interior

      Bedrooms & bathrooms
      • Bedrooms: 4
      • Bathrooms: 3
      • Full bathrooms: 2
      • 1/2 bathrooms: 1
      Primary bedroom
      • Level: Entry
      • Area: 120
      • Dimensions: 12 X 10
      Bedroom
      • Level: Second
      • Area: 100
      • Dimensions: 10 X 10
      Bedroom
      • Level: Second
      • Area: 100
      • Dimensions: 10 X 10
      Bedroom
      • Level: Second
      • Area: 100
      • Dimensions: 10 X 10
      Other
      • Level: Entry
      • Area: 35
      • Dimensions: 5 X 7
      Other
      • Level: Second
      • Area: 35
      • Dimensions: 5 X 7
      Other
      • Level: Entry
      • Area: 15
      • Dimensions: 3 X 5
      Heating
      • Forced Air, Natural Gas
      Features
      • Has basement: No
      • Has fireplace: No
      Interior area
      • Total interior livable area: 2,230 sqft
      • Finished area above ground: 2,230

      Property

      Parking
      • Total spaces: 2.5
      • Parking features: Twoand Half Car Garage, Attached
      • Attached garage spaces: 2.5
      Features
      • Levels: One And One Half
      • Stories: 1.5
      • Entry location: GroundLevel
      • Pool features: None
      • On waterfront: Yes
      • Waterfront features: River Front, Waterfront
      • Body of water: AuSable River
      Lot
      • Size: 0.25 Acres
      • Dimensions: 150 x 72
      Details
      • Parcel number: 021L1000102800
      • Special conditions: Short Sale No,Standard

      Construction

      Type & style
      • Home type: SingleFamily
      • Architectural style: Traditional
      • Property subtype: Single Family Residence
      Materials
      • Vinyl Siding
      • Foundation: Crawl Space, Slab
      Condition
      • New construction: No
      • Year built: 1963

      Utilities & green energy

      • Sewer: Shared Septic
      • Water: Public

      Community & HOA

      Community
      • Subdivision: PLAT OF LOUD GAY & COS ADD TO THE VILLAGE OF OSCODA
      HOA
      • Has HOA: No
      Location
      • Region: Oscoda

      Financial & listing details

      • Price per square foot: $202/sqft
      • Tax assessed value: $84,682
      • Annual tax amount: $1,998
      • Date on market: 4/28/2026
      • Cumulative days on market: 83 days
      • Listing agreement: Exclusive Right To Sell
      • Listing terms: Cash,Conventional

        Estimated market value

        $442,400

        $420,000 - $465,000

        $2,976/mo

        Price history

        DateEventPrice
        6/19/2026Price change$450,000-5.3%$202/sqft
        Source: Realcomp II #20261029234 Report a problem
        5/28/2026Price change$475,000-5%$213/sqft
        Source: Realcomp II #20261029234 Report a problem
        4/28/2026Listed for sale$500,000+134.7%$224/sqft
        Source: Realcomp II #20261029234 Report a problem
        9/12/2024Listing removed$1,350$1/sqft
        Source: Zillow Rentals Report a problem
        7/31/2024Listed for rent$1,350$1/sqft
        Source: Zillow Rentals Report a problem
        7/18/2024Listing removed--
        Source: Zillow Rentals Report a problem
        6/29/2024Listed for rent$1,350$1/sqft
        Source: Zillow Rentals Report a problem
        6/22/2024Listing removed--
        Source: Zillow Rentals Report a problem
        6/1/2024Listed for rent$1,350-32.5%$1/sqft
        Source: Zillow Rentals Report a problem
        10/1/2018Sold$213,000-14.5%$96/sqft
        Source: NGLRMLS #1849490 Report a problem
        8/29/2018Pending sale$249,000$112/sqft
        Source: Target Real Estate Co. #359-18-0030 Report a problem
        7/10/2018Listed for sale$249,000$112/sqft
        Source: Target Real Estate Co. #359-18-0030 Report a problem
        3/27/2012Listing removed$2,000$1/sqft
        Source: RealRentals.com Report a problem
        11/23/2011Listed for rent$2,000$1/sqft
        Source: RealRentals.com Report a problem

        Public tax history

        YearProperty taxesTax assessment
        2025$2,798 +19.6%$129,000 +7.5%
        2024$2,339 +11.1%$120,000 +26.1%
        2023$2,106 +3.4%$95,200 +19.3%
        2022$2,036 +3.6%$79,800 -2.2%
        2021$1,964 $81,600 +7.7%
        2020$1,964 $75,800 +8.6%
        2019-- $69,800 +9.7%
        2018-- $63,600 +2.1%
        2017-- $62,300
        2016-- $62,300 -6.9%
        2015-- $66,900 -0.1%
        2014-- $67,000 -2.3%
        2013-- $68,600 -9%
        2012-- $75,400
        2011-- $75,400 +1.6%
        2010-- $74,200
        Find assessor info on the county website

        Monthly payment

        Est. payment

        Payment breakdown

        Explore the cost of this home by adjusting the details. Changes won't be saved.
        All calculations are estimates and provided by Zillow, Inc. for informational purposes only. Actual amounts may vary.
        HOA fees may include property taxes on listings classified as Co-Ops. Contact the listing agent and/or owner for fee details.
        Mortgage interest rates are dependent on a number of factors, including credit score, down payment, and repayment length. Interest rate data provided by Zillow Group Marketplace, Inc. as of 1/1/1970 from various mortgage lenders with which we have lead or other similar arrangements; the Estimated Payment is an average of those rates.
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        Climate risks

        Neighborhood: 48750

        Getting around

        45 / 100
        Car-Dependent
        43 / 100
        Somewhat Bikeable

        Nearby schools

        GreatSchools rating

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