22925 Gary Ln · St. Clair Shores, MI 48080

$123,000

2 bd · 1.0 ba · 900 sqft · Condo · 174 Days on market

Built 1950 $285/mo HOA · 18% of rent

---

Why this score? — see what drove the C- grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

• Cash flow +19.9/30.0
• 1% rule +8.2/10.0
• ARV discount +7.5/15.0
• DSCR +6.3/10.0
• Rent growth +2.5/5.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• Schools +1.7/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Move-in-ready 2-bedroom townhouse in the desirable Lakeshore Village community, offering effortless living in a prime location. This well-cared-for home features a functional galley-style kitchen and bath, low HOA fees, and access to a bonus community pool. Conveniently located near shopping, schools, parks, and major commuter routes, it delivers both comfort and accessibility. A 1-year home warranty is included at closing.

Key facts

• $285 HOA
• Built 1950
• Listed 174 days

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath condo listed at $123k.

Deal economics

• At list price, monthly cash flow is $148 ($2k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $123k).
• Recommended offer: $108k (12.0% below list) — sets the bar for market timing.
• Cap rate 7.7% vs local median 4.2% in St. Clair Shores — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.

Location & tenants

• Location reads: area grade C — affects rentability + tenant quality, not the cash-flow math above.
• South Lake Schools (suburban): math 11% / reading 26% proficiency, ranked #470 of 540 in MI (top 87%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Market conditions: 161 active listings in the ZIP; 13 comparable units currently listed for rent nearby; rentals leasing fast (median 4d on market — plan ~1-2 weeks tenant-placement turnaround); 1,321 units permitted in Macomb County in 2024 (86 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $850 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
• Macomb County population projected at +9% by 2050 — modest demand growth; plan on rents tracking national, not racing it.

Negotiation context

• It's been on market 174 days — a 12% lower offer ($108k) is reasonable based on typical stale-listing flexibility.
• 16 sale attempts since 10y ago; this cycle's ask is 7588% above the opening price — seller raised mid-cycle; expect resistance to lowballs.
• Current owner paid $82k; list at $123k implies a 50% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1950 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: major flood risk — expect insurance premiums to compound above CPI over the hold.

Recommended offer $108,240 (12.0% below list)

Questions for the listing agent

1. It's been on market 174 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Built in 1950 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
4. Any open or pending special assessments — roof, HVAC, plumbing, elevator, façade? What's the per-unit balance and payoff schedule, and is the seller paying it off at close or rolling it to the buyer?
5. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
6. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
7. What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
8. What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
9. How much new apartment / multifamily construction is in the pipeline within 1–3 miles? Heavy new supply (>2% of stock underway) typically softens rents 12–24 months out; light construction supports rent growth.

Investment metrics

• 1% rule: 1.32% ✓
• Cap rate: 7.74%
• Cash-on-cash: 5.16%
• DSCR: 1.23
• GRM: 6.3

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: -8.1%
• Equity multiple: 0.70×
• Total profit: $-10,296
• Equity at exit: $18,340

10-year hold

• IRR: 1.6%
• Equity multiple: 1.12×
• Total profit: $3,995
• Equity at exit: $10,635

Cash invested: $34,440 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 62 Landlord-Friendly
• State Michigan: 62 Landlord-Friendly · EVEN
• County: — inherits STATE
• City: — inherits STATE

7-day pay-or-quit; mixed climate; Detroit/AA have some protections.

Methodology + full state rankings →

ZIP-level market 48080

• Active inventory: 161
• Price-to-rent: 6.3×

Monthly cashflow live

• Estimated rent: $1,624 high
• Mortgage (P&I): −$645
• Tax est. 1.5%: −$154 /mo · $1,845/yr
• Insurance: −$51
• HOA: −$285
• Vacancy / Maint / Mgmt: −$341
• Net cashflow: $148

Break-even live

Break-even rent $1,437

Max offer price $123,000

Occupancy floor 86%

Sensitivity live

Price	-10% $233	-5% $191	+0% $148	+5% $106	+10% $63
Rent	-10% $20	-5% $84	+0% $148	+5% $212	+10% $276
Rate	-1.0pp $210	-0.5pp $179	base $148	+0.5pp $116	+1.0pp $84

UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt

Financing live

Cash to close

• Down payment: $30,750
• Closing costs: $3,690
• Reserves months: —
• Total cash needed: —

Rent comps 13 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
22617 Oconnor St Saint Clair Shores, MI	3.0	1.0	923	$2,000	$2.17	0d	1	0.69mi
22615 Maxine St Saint Clair Shores, MI	3.0	1.0	950	$1,495	$1.57	0d	1	0.70mi
24000 Jefferson Ave Unit 218 St Clair Shores, MI	2.0	2.0	1000	$1,800	$1.80	44d	1	0.71mi
218 Riviera Dr St Clair Shores, MI	2.0	2.0	1000	$1,800	$1.80	44d	1	0.72mi
22411 Oconnor St Saint Clair Shores, MI	2.0	1.0	950	$1,250	$1.32	44d	1	0.82mi
22307 Greater Mack Ave St Clair Shores, MI	2.0	1.0	806	$1,195	$1.48	3d	1	0.96mi
401 Northshore Dr St Clair Shores, MI	2.0	1.0–1.5	970	$1,554	$1.60	0d	4	1.00mi
23742 Greater Mack Ave St Clair Shores, MI	1.0	1.0	850	$1,700	$2.00	0d	1	1.03mi
22126 Alger St Saint Clair Shores, MI	2.0	1.5	1060	$1,750	$1.65	11d	1	1.04mi
21633 Greater Mack Ave St Clair Shores, MI	1.0	1.0	990	$1,212	$1.22	0d	1	1.10mi
24901 Jefferson Ave Unit 210 St Clair Shores, MI	2.0	1.0	700	$1,250	$1.79	0d	1	1.39mi
20625 Elizabeth St Saint Clair Shores, MI	3.0	2.0	1074	$1,895	$1.76	44d	1	1.48mi
1992 Hawthorne Rd Grosse Pointe Woods, MI	3.0	2.0	1071	$2,100	$1.96	11d	1	1.49mi

HOA detail condo

• Monthly dues: $285 · $3,420/yr
• Likely covers: pool
• Assessments: None detected in remarks — confirm with the listing agent.

Listing history 50 events

1. 2026-06-18
   days on market $123,000 Active 174 DOM
2. 2026-06-17
   remarks 462-char remark
3. 2026-06-17
   statusdays on market $123,000 Active 173 DOM
4. 2026-04-26
   status Pending

   Show marketing remark (427 chars)

   Move-in-ready 2-bedroom townhouse in the desirable Lakeshore Village community, offering effortless living in a prime location. This well-cared-for home features a functional galley-style kitchen and bath, low HOA fees, and access to a bonus community pool. Conveniently located near shopping, schools, parks, and major commuter routes, it delivers both comfort and accessibility. A 1-year home warranty is included at closing.

5. 2026-04-26
   status Pending 427-char remark

   Show marketing remark (427 chars)

   Move-in-ready 2-bedroom townhouse in the desirable Lakeshore Village community, offering effortless living in a prime location. This well-cared-for home features a functional galley-style kitchen and bath, low HOA fees, and access to a bonus community pool. Conveniently located near shopping, schools, parks, and major commuter routes, it delivers both comfort and accessibility. A 1-year home warranty is included at closing.

6. 2026-04-18
   status Active

   Show marketing remark (427 chars)

   Move-in-ready 2-bedroom townhouse in the desirable Lakeshore Village community, offering effortless living in a prime location. This well-cared-for home features a functional galley-style kitchen and bath, low HOA fees, and access to a bonus community pool. Conveniently located near shopping, schools, parks, and major commuter routes, it delivers both comfort and accessibility. A 1-year home warranty is included at closing.

7. 2026-04-18
   status Active 427-char remark

   Show marketing remark (427 chars)

   Move-in-ready 2-bedroom townhouse in the desirable Lakeshore Village community, offering effortless living in a prime location. This well-cared-for home features a functional galley-style kitchen and bath, low HOA fees, and access to a bonus community pool. Conveniently located near shopping, schools, parks, and major commuter routes, it delivers both comfort and accessibility. A 1-year home warranty is included at closing.

8. 2026-03-31
   status Pending
9. 2026-03-27
   historical
10. 2026-03-19
    status Pending

    Show marketing remark (427 chars)

    Move-in-ready 2-bedroom townhouse in the desirable Lakeshore Village community, offering effortless living in a prime location. This well-cared-for home features a functional galley-style kitchen and bath, low HOA fees, and access to a bonus community pool. Conveniently located near shopping, schools, parks, and major commuter routes, it delivers both comfort and accessibility. A 1-year home warranty is included at closing.

11. 2026-03-19
    status Pending 427-char remark

    Show marketing remark (427 chars)

    Move-in-ready 2-bedroom townhouse in the desirable Lakeshore Village community, offering effortless living in a prime location. This well-cared-for home features a functional galley-style kitchen and bath, low HOA fees, and access to a bonus community pool. Conveniently located near shopping, schools, parks, and major commuter routes, it delivers both comfort and accessibility. A 1-year home warranty is included at closing.

12. 2026-03-12
    price $123,000 427-char remark

    Show marketing remark (427 chars)

    Move-in-ready 2-bedroom townhouse in the desirable Lakeshore Village community, offering effortless living in a prime location. This well-cared-for home features a functional galley-style kitchen and bath, low HOA fees, and access to a bonus community pool. Conveniently located near shopping, schools, parks, and major commuter routes, it delivers both comfort and accessibility. A 1-year home warranty is included at closing.

13. 2026-03-11
    status Active

    Show marketing remark (427 chars)

    Move-in-ready 2-bedroom townhouse in the desirable Lakeshore Village community, offering effortless living in a prime location. This well-cared-for home features a functional galley-style kitchen and bath, low HOA fees, and access to a bonus community pool. Conveniently located near shopping, schools, parks, and major commuter routes, it delivers both comfort and accessibility. A 1-year home warranty is included at closing.

14. 2026-03-11
    price $123,000

    Show marketing remark (427 chars)

    Move-in-ready 2-bedroom townhouse in the desirable Lakeshore Village community, offering effortless living in a prime location. This well-cared-for home features a functional galley-style kitchen and bath, low HOA fees, and access to a bonus community pool. Conveniently located near shopping, schools, parks, and major commuter routes, it delivers both comfort and accessibility. A 1-year home warranty is included at closing.

15. 2026-03-11
    status Active 427-char remark

    Show marketing remark (427 chars)

    Move-in-ready 2-bedroom townhouse in the desirable Lakeshore Village community, offering effortless living in a prime location. This well-cared-for home features a functional galley-style kitchen and bath, low HOA fees, and access to a bonus community pool. Conveniently located near shopping, schools, parks, and major commuter routes, it delivers both comfort and accessibility. A 1-year home warranty is included at closing.

16. 2026-03-11
    historical

    Show marketing remark (427 chars)

    Move-in-ready 2-bedroom townhouse in the desirable Lakeshore Village community, offering effortless living in a prime location. This well-cared-for home features a functional galley-style kitchen and bath, low HOA fees, and access to a bonus community pool. Conveniently located near shopping, schools, parks, and major commuter routes, it delivers both comfort and accessibility. A 1-year home warranty is included at closing.

17. 2026-03-11
    historical 427-char remark

    Show marketing remark (427 chars)

    Move-in-ready 2-bedroom townhouse in the desirable Lakeshore Village community, offering effortless living in a prime location. This well-cared-for home features a functional galley-style kitchen and bath, low HOA fees, and access to a bonus community pool. Conveniently located near shopping, schools, parks, and major commuter routes, it delivers both comfort and accessibility. A 1-year home warranty is included at closing.

18. 2026-03-07
    status Active

    Show marketing remark (427 chars)

    Move-in-ready 2-bedroom townhouse in the desirable Lakeshore Village community, offering effortless living in a prime location. This well-cared-for home features a functional galley-style kitchen and bath, low HOA fees, and access to a bonus community pool. Conveniently located near shopping, schools, parks, and major commuter routes, it delivers both comfort and accessibility. A 1-year home warranty is included at closing.

19. 2026-03-07
    status Active 427-char remark

    Show marketing remark (427 chars)

    Move-in-ready 2-bedroom townhouse in the desirable Lakeshore Village community, offering effortless living in a prime location. This well-cared-for home features a functional galley-style kitchen and bath, low HOA fees, and access to a bonus community pool. Conveniently located near shopping, schools, parks, and major commuter routes, it delivers both comfort and accessibility. A 1-year home warranty is included at closing.

20. 2026-02-18
    status Pending

    Show marketing remark (427 chars)

    Move-in-ready 2-bedroom townhouse in the desirable Lakeshore Village community, offering effortless living in a prime location. This well-cared-for home features a functional galley-style kitchen and bath, low HOA fees, and access to a bonus community pool. Conveniently located near shopping, schools, parks, and major commuter routes, it delivers both comfort and accessibility. A 1-year home warranty is included at closing.

21. 2026-02-18
    status Pending 427-char remark

    Show marketing remark (427 chars)

    Move-in-ready 2-bedroom townhouse in the desirable Lakeshore Village community, offering effortless living in a prime location. This well-cared-for home features a functional galley-style kitchen and bath, low HOA fees, and access to a bonus community pool. Conveniently located near shopping, schools, parks, and major commuter routes, it delivers both comfort and accessibility. A 1-year home warranty is included at closing.

22. 2026-02-18
    price $125,000 427-char remark

    Show marketing remark (427 chars)

    Move-in-ready 2-bedroom townhouse in the desirable Lakeshore Village community, offering effortless living in a prime location. This well-cared-for home features a functional galley-style kitchen and bath, low HOA fees, and access to a bonus community pool. Conveniently located near shopping, schools, parks, and major commuter routes, it delivers both comfort and accessibility. A 1-year home warranty is included at closing.

23. 2026-02-18
    price $125,000

    Show marketing remark (427 chars)

    Move-in-ready 2-bedroom townhouse in the desirable Lakeshore Village community, offering effortless living in a prime location. This well-cared-for home features a functional galley-style kitchen and bath, low HOA fees, and access to a bonus community pool. Conveniently located near shopping, schools, parks, and major commuter routes, it delivers both comfort and accessibility. A 1-year home warranty is included at closing.

24. 2026-02-09
    price $123,000 427-char remark

    Show marketing remark (427 chars)

    Move-in-ready 2-bedroom townhouse in the desirable Lakeshore Village community, offering effortless living in a prime location. This well-cared-for home features a functional galley-style kitchen and bath, low HOA fees, and access to a bonus community pool. Conveniently located near shopping, schools, parks, and major commuter routes, it delivers both comfort and accessibility. A 1-year home warranty is included at closing.

25. 2026-02-09
    price $123,000

    Show marketing remark (427 chars)

    Move-in-ready 2-bedroom townhouse in the desirable Lakeshore Village community, offering effortless living in a prime location. This well-cared-for home features a functional galley-style kitchen and bath, low HOA fees, and access to a bonus community pool. Conveniently located near shopping, schools, parks, and major commuter routes, it delivers both comfort and accessibility. A 1-year home warranty is included at closing.

26. 2026-01-31
    price $125,000 427-char remark

    Show marketing remark (427 chars)

    Move-in-ready 2-bedroom townhouse in the desirable Lakeshore Village community, offering effortless living in a prime location. This well-cared-for home features a functional galley-style kitchen and bath, low HOA fees, and access to a bonus community pool. Conveniently located near shopping, schools, parks, and major commuter routes, it delivers both comfort and accessibility. A 1-year home warranty is included at closing.

27. 2026-01-30
    status Active

    Show marketing remark (427 chars)

    Move-in-ready 2-bedroom townhouse in the desirable Lakeshore Village community, offering effortless living in a prime location. This well-cared-for home features a functional galley-style kitchen and bath, low HOA fees, and access to a bonus community pool. Conveniently located near shopping, schools, parks, and major commuter routes, it delivers both comfort and accessibility. A 1-year home warranty is included at closing.

28. 2026-01-30
    price $125,000

    Show marketing remark (427 chars)

    Move-in-ready 2-bedroom townhouse in the desirable Lakeshore Village community, offering effortless living in a prime location. This well-cared-for home features a functional galley-style kitchen and bath, low HOA fees, and access to a bonus community pool. Conveniently located near shopping, schools, parks, and major commuter routes, it delivers both comfort and accessibility. A 1-year home warranty is included at closing.

29. 2026-01-30
    status Active 427-char remark

    Show marketing remark (427 chars)

    Move-in-ready 2-bedroom townhouse in the desirable Lakeshore Village community, offering effortless living in a prime location. This well-cared-for home features a functional galley-style kitchen and bath, low HOA fees, and access to a bonus community pool. Conveniently located near shopping, schools, parks, and major commuter routes, it delivers both comfort and accessibility. A 1-year home warranty is included at closing.

30. 2026-01-23
    status Pending

    Show marketing remark (427 chars)

    Move-in-ready 2-bedroom townhouse in the desirable Lakeshore Village community, offering effortless living in a prime location. This well-cared-for home features a functional galley-style kitchen and bath, low HOA fees, and access to a bonus community pool. Conveniently located near shopping, schools, parks, and major commuter routes, it delivers both comfort and accessibility. A 1-year home warranty is included at closing.

31. 2026-01-23
    status Pending 427-char remark

    Show marketing remark (427 chars)

    Move-in-ready 2-bedroom townhouse in the desirable Lakeshore Village community, offering effortless living in a prime location. This well-cared-for home features a functional galley-style kitchen and bath, low HOA fees, and access to a bonus community pool. Conveniently located near shopping, schools, parks, and major commuter routes, it delivers both comfort and accessibility. A 1-year home warranty is included at closing.

32. 2026-01-17
    price $130,000 427-char remark

    Show marketing remark (427 chars)

    Move-in-ready 2-bedroom townhouse in the desirable Lakeshore Village community, offering effortless living in a prime location. This well-cared-for home features a functional galley-style kitchen and bath, low HOA fees, and access to a bonus community pool. Conveniently located near shopping, schools, parks, and major commuter routes, it delivers both comfort and accessibility. A 1-year home warranty is included at closing.

33. 2026-01-17
    price $130,000

    Show marketing remark (427 chars)

    Move-in-ready 2-bedroom townhouse in the desirable Lakeshore Village community, offering effortless living in a prime location. This well-cared-for home features a functional galley-style kitchen and bath, low HOA fees, and access to a bonus community pool. Conveniently located near shopping, schools, parks, and major commuter routes, it delivers both comfort and accessibility. A 1-year home warranty is included at closing.

34. 2026-01-03
    status Active

    Show marketing remark (427 chars)

    Move-in-ready 2-bedroom townhouse in the desirable Lakeshore Village community, offering effortless living in a prime location. This well-cared-for home features a functional galley-style kitchen and bath, low HOA fees, and access to a bonus community pool. Conveniently located near shopping, schools, parks, and major commuter routes, it delivers both comfort and accessibility. A 1-year home warranty is included at closing.

35. 2026-01-03
    status Active 427-char remark

    Show marketing remark (427 chars)

    Move-in-ready 2-bedroom townhouse in the desirable Lakeshore Village community, offering effortless living in a prime location. This well-cared-for home features a functional galley-style kitchen and bath, low HOA fees, and access to a bonus community pool. Conveniently located near shopping, schools, parks, and major commuter routes, it delivers both comfort and accessibility. A 1-year home warranty is included at closing.

36. 2026-01-01
    historical

    Show marketing remark (427 chars)

    Move-in-ready 2-bedroom townhouse in the desirable Lakeshore Village community, offering effortless living in a prime location. This well-cared-for home features a functional galley-style kitchen and bath, low HOA fees, and access to a bonus community pool. Conveniently located near shopping, schools, parks, and major commuter routes, it delivers both comfort and accessibility. A 1-year home warranty is included at closing.

37. 2026-01-01
    historical 427-char remark

    Show marketing remark (427 chars)

    Move-in-ready 2-bedroom townhouse in the desirable Lakeshore Village community, offering effortless living in a prime location. This well-cared-for home features a functional galley-style kitchen and bath, low HOA fees, and access to a bonus community pool. Conveniently located near shopping, schools, parks, and major commuter routes, it delivers both comfort and accessibility. A 1-year home warranty is included at closing.

38. 2025-12-16
    price $134,900 427-char remark

    Show marketing remark (427 chars)

    Move-in-ready 2-bedroom townhouse in the desirable Lakeshore Village community, offering effortless living in a prime location. This well-cared-for home features a functional galley-style kitchen and bath, low HOA fees, and access to a bonus community pool. Conveniently located near shopping, schools, parks, and major commuter routes, it delivers both comfort and accessibility. A 1-year home warranty is included at closing.

39. 2025-12-15
    price $134,900
40. 2025-12-06
    price $139,900 427-char remark

    Show marketing remark (427 chars)

    Move-in-ready 2-bedroom townhouse in the desirable Lakeshore Village community, offering effortless living in a prime location. This well-cared-for home features a functional galley-style kitchen and bath, low HOA fees, and access to a bonus community pool. Conveniently located near shopping, schools, parks, and major commuter routes, it delivers both comfort and accessibility. A 1-year home warranty is included at closing.

41. 2025-12-05
    price $139,900
42. 2025-11-25
    historical $1,600

    Show marketing remark (427 chars)

    Move-in-ready 2-bedroom townhouse in the desirable Lakeshore Village community, offering effortless living in a prime location. This well-cared-for home features a functional galley-style kitchen and bath, low HOA fees, and access to a bonus community pool. Conveniently located near shopping, schools, parks, and major commuter routes, it delivers both comfort and accessibility. A 1-year home warranty is included at closing.

43. 2025-11-25
    price $140,000 427-char remark

    Show marketing remark (427 chars)

    Move-in-ready 2-bedroom townhouse in the desirable Lakeshore Village community, offering effortless living in a prime location. This well-cared-for home features a functional galley-style kitchen and bath, low HOA fees, and access to a bonus community pool. Conveniently located near shopping, schools, parks, and major commuter routes, it delivers both comfort and accessibility. A 1-year home warranty is included at closing.

44. 2025-11-24
    price $140,000
45. 2025-11-22
    price $145,000 427-char remark

    Show marketing remark (427 chars)

    Move-in-ready 2-bedroom townhouse in the desirable Lakeshore Village community, offering effortless living in a prime location. This well-cared-for home features a functional galley-style kitchen and bath, low HOA fees, and access to a bonus community pool. Conveniently located near shopping, schools, parks, and major commuter routes, it delivers both comfort and accessibility. A 1-year home warranty is included at closing.

46. 2025-11-21
    price $145,000
47. 2025-11-13
    price $149,900 427-char remark

    Show marketing remark (427 chars)

    Move-in-ready 2-bedroom townhouse in the desirable Lakeshore Village community, offering effortless living in a prime location. This well-cared-for home features a functional galley-style kitchen and bath, low HOA fees, and access to a bonus community pool. Conveniently located near shopping, schools, parks, and major commuter routes, it delivers both comfort and accessibility. A 1-year home warranty is included at closing.

48. 2025-11-12
    price $149,900
49. 2025-11-09
    listed $1,600
50. 2025-09-12
    listed $154,900 Active

    Show marketing remark (427 chars)

    Move-in-ready 2-bedroom townhouse in the desirable Lakeshore Village community, offering effortless living in a prime location. This well-cared-for home features a functional galley-style kitchen and bath, low HOA fees, and access to a bonus community pool. Conveniently located near shopping, schools, parks, and major commuter routes, it delivers both comfort and accessibility. A 1-year home warranty is included at closing.

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Climate risk First Street

• 🌊 Flood 6/10 Major FEMA zone X (unshaded) · 67% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 3/10 Moderate 7 d/yr ≥96°F today · 15 d/yr by 30 yrs out
• 💨 Wind 1/10 Low
• 🫁 Air quality 4/10 Moderate 4 unhealthy d/yr today · 5 by 30 yrs out

Taxation est. · year 1

• Rental income: $19,491
• − Mortgage interest: −$6,890
• − Property taxes: −$1,845
• − Insurance: −$615
• − Repairs & maintenance: −$1,559
• − Management: −$1,559
• − HOA: −$3,420
• − Depreciation: −$3,578
• Taxable income: $25
• Est. tax owed @ 24.0%: −$6
• After-tax cash flow: $1,772/yr

For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.

Schools (NCES district)

• District: South Lake Schools
• NCES district ID: 2632220
• Math proficiency: 11% ▼ -10.00%
• Reading proficiency: 26% ▼ -12.00%
• Median HH income: $51,594
• Composite: 16.76/100
• National rank: #9159
• State rank: #470 of 540 in MI

Livability — St. Clair Shores

No livability data for this city. (Only ~50 U.S. cities are tracked.)

Census & demographics

• Census place: St. Clair Shores, MI
• County: Macomb County · 638,552 people
• City population: 58,217
• Metro: Detroit-Warren-Dearborn, MI
• Population (ZIP): 21,561
• Household income: $66,986
• Rent vs Own: 21.5% rent · 78.5% own
• Severe rent burden: 530.0

Population outlook (Macomb County) Hauer SSP2

• Today (2025): 925,296 people
• By 2030: 948,226 · +2.5%
• By 2040: 983,961 · +6.3%
• By 2050: 1,010,200 · +9.2%
• By 2075: 1,076,222 · +16.3%
• By 2100: 1,077,065 · +16.4%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (83%)
• Race & ethnicity: White 83% Black 8% Two or more races 6% Hispanic / Latino 4% Asian 2%
• Common ancestry: Romanian 14% Lithuanian 5% Slovak 2%
• Foreign-born: 6% · Canada, Jamaica
• Languages at home: 92% English-only · Other Indo-European 3% Spanish 2% Russian/Polish/Slavic 1%

Political lean MEDSL · Macomb

• 2024 margin: R (+13.7) · D 42.2% · R 55.9% · Other 1.9%
• 2008→2024 swing: -22.3pp toward R · 2008: 8.6pp · 2024: -13.7pp
• All cycles: 2024: R+13.7 2020: R+8.1 2016: R+11.6 2012: D+4.0 2008: D+8.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -236.99%
• Current HPI: 231.507
• Rent YoY: —
• Metro: Detroit-Warren-Dearborn, MI
• State GDP YoY: ▲ 1.37%
• F500 in state: 28

Industry mix (Fortune 500 HQ in MI)

Industry	F500 HQs	Revenue
▸Automotive Parts	3	$48B
▸Automotive	2	$372B
▸Chemicals	1	$45B
▸Automotive Retail	1	$29B
▸Healthcare / Medical Devices	1	$23B
▸Automotive Technology	1	$20B

Price history

+65.1% since first listed

56 events — show timeline

• 2026-04-26 Pending — REALCOMP
• 2026-04-26 Pending — MiRealSource-MiMLS
• 2026-04-18 Relisted — REALCOMP
• 2026-04-18 Relisted — MiRealSource-MiMLS
• 2026-03-31 Pending — REALCOMP
• 2026-03-27 Listing Removed — REALCOMP
• 2026-03-19 Pending — REALCOMP
• 2026-03-19 Pending — MiRealSource-MiMLS
• 2026-03-12 Price Changed $123,000 MiRealSource-MiMLS
• 2026-03-11 Relisted — REALCOMP
• 2026-03-11 Price Changed $123,000 REALCOMP
• 2026-03-11 Relisted — MiRealSource-MiMLS
• 2026-03-11 Listing Removed — MiRealSource-MiMLS
• 2026-03-11 Listing Removed — REALCOMP
• 2026-03-07 Relisted — REALCOMP
• 2026-03-07 Relisted — MiRealSource-MiMLS
• 2026-02-18 Pending — REALCOMP
• 2026-02-18 Pending — MiRealSource-MiMLS
• 2026-02-18 Price Changed $125,000 MiRealSource-MiMLS
• 2026-02-18 Price Changed $125,000 REALCOMP
• 2026-02-09 Price Changed $123,000 MiRealSource-MiMLS
• 2026-02-09 Price Changed $123,000 REALCOMP
• 2026-01-31 Price Changed $125,000 MiRealSource-MiMLS
• 2026-01-30 Relisted — REALCOMP
• 2026-01-30 Price Changed $125,000 REALCOMP
• 2026-01-30 Relisted — MiRealSource-MiMLS
• 2026-01-23 Pending — REALCOMP
• 2026-01-23 Pending — MiRealSource-MiMLS
• 2026-01-17 Price Changed $130,000 MiRealSource-MiMLS
• 2026-01-17 Price Changed $130,000 REALCOMP
• 2026-01-03 Relisted — REALCOMP
• 2026-01-03 Relisted — MiRealSource-MiMLS
• 2026-01-01 Listing Removed — MiRealSource-MiMLS
• 2026-01-01 Listing Removed — REALCOMP
• 2025-12-16 Price Changed $134,900 MiRealSource-MiMLS
• 2025-12-15 Price Changed $134,900 REALCOMP
• 2025-12-06 Price Changed $139,900 MiRealSource-MiMLS
• 2025-12-05 Price Changed $139,900 REALCOMP
• 2025-11-25 Rental Removed $1,600 REALSOURCE
• 2025-11-25 Price Changed $140,000 MiRealSource-MiMLS
• 2025-11-24 Price Changed $140,000 REALCOMP
• 2025-11-22 Price Changed $145,000 MiRealSource-MiMLS
• 2025-11-21 Price Changed $145,000 REALCOMP
• 2025-11-13 Price Changed $149,900 MiRealSource-MiMLS
• 2025-11-12 Price Changed $149,900 REALCOMP
• 2025-11-09 Listed for Rent $1,600 REALSOURCE
• 2025-09-12 Listed $154,900 REALCOMP
• 2025-09-12 Listed $154,900 MiRealSource-MiMLS
• 2025-09-10 Coming Soon $154,900 MiRealSource-MiMLS
• 2019-02-07 Sold (MLS) $82,000 REALCOMP
• 2018-08-16 Listed $95,000 REALCOMP
• 2016-08-18 Sold (MLS) $74,500 MiRealSource-MiMLS
• 2016-08-18 Sold (MLS) $74,500 REALCOMP
• 2016-07-20 Pending — MiRealSource-MiMLS
• 2016-06-22 Listed $74,500 MiRealSource-MiMLS
• 2016-06-22 Listed $74,500 REALCOMP