For Sale
103 Harbor Street, Oscoda, MI 48750
$475,000
MLS # 20261029234 (Realcomp)
4 beds3 baths2,230 sqftBuilt 19630.25 acres
1 / 44
Listing Description
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!
Source: SparkMLS
About this home
Located in Oscoda, this property offers 4-bedroom, 3-bath, 2,230 sq ft, with original construction dating to 1963.
Asking $475,000 (about $213/sq ft).
Estimated annual property tax: $1,998, or about $167 monthly. Tax figure is from the MLS listing record; verify with the county treasurer for the most current amount.
Electric service is provided by Consumers Energy Company; natural gas by DTE Gas Company.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms4
Bathrooms3
Living Area2,230 sqft
Lot Size0.25 acres
Year Built1963
Stories2
Location
CityOscoda
MunicipalityAu Sable Twp
Zip Code48750
CountyIosco
School DistrictOscoda
Construction & Systems
ConstructionVinyl Siding
BasementCrawl Space, Slab
Garage2.5 spaces
HeatingForced Air
WaterPublic
SewerSeptic Tank
Sale & Financing
Listed4/27/2026
Original Price$500,000
Terms AcceptedCash, Conventional
Source: SparkMLS
Tax Information
Annual Tax$1,998
Parcel #021L1000102800
Source: SparkMLS
Legal Description
PLAT OF LOUD GAY & COS ADDITION TO THE VILLAGE OF OSCODA LOTS 28-30 INCL BLK A
Property Records
FEMA Flood Zone: Zone AE — 100-year floodplain
Flood insurance required for federally backed mortgages
Source: FEMA NFHLUSDA Rural Development: Eligible — 0% Down Payment Available
Verify eligibility at USDAListed by Jesica Spencer
Spencer Real Estate, LLC
Frequently Asked Questions about 103 Harbor Street, Oscoda, MI 48750
What school district is 103 Harbor Street, Oscoda, MI 48750 in?
Per MLS# 20261029234, this property is served by Oscoda. In Michigan, school district boundaries are set by the state and do not always follow city limits.
Can I use FHA or VA financing for this property?
Per MLS# 20261029234, the seller has indicated this property accepts the following financing types: Cash, Conventional. Financing acceptance is subject to change — confirm with the listing agent.
How much are property taxes for this home?
Per MLS# 20261029234, the most recent reported annual property tax for 103 Harbor Street, Oscoda, MI 48750 is $1,998. Michigan property taxes are based on a property's taxable value multiplied by the local millage rate. Primary residences qualify for a homestead exemption that lowers the rate.
Is 103 Harbor Street, Oscoda, MI 48750 eligible for USDA financing?
Per USDA boundary maps, this property is located in a USDA-eligible area, which means qualified buyers may be able to finance with 0% down through the USDA Rural Development program. Confirm current eligibility directly with USDA.
What is the FEMA flood zone designation for this property?
Per FEMA's National Flood Hazard Layer, 103 Harbor Street, Oscoda, MI 48750 is in flood zone AE (high risk). Flood insurance is required for federally-backed mortgages in this zone. FEMA flood maps are updated periodically — verify the current designation at msc.fema.gov.
Who are the utility providers for this property?
Per Michigan Public Service Commission service territory data: Electric: Consumers Energy Company. Gas: DTE Gas Company. Sewer: Septic Tank. Water: Public. Confirm service details directly with providers.
How safe is this area?
For crime and public safety data, we recommend inquiring directly with the Au Sable Twp police department or the Iosco County sheriff's office.
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Monthly payment$3,081
Principal & interest$3,081
Estimate only. Does not include PMI or other fees. Consult a lender for exact rates.
Utilities
Consumers Energy Company
Investor-Owned
DTE Gas Company
Investor-Owned
MI Public Service Commission service territory boundaries.
Property
103 Harbor Street, Oscoda, MI 48750
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