Sold
109 E 5th Street, Shelby, MI 49455
Sold on 12/04/2025 for$175,000
MLS # 25021524 (Michigan Regional Information Center (MichRIC))
4 beds1 bath1,578 sqftBuilt 19000.23 acres
1 / 33
Listing Description
Shelby Gem! Just listed: 4 bed, 1 bath home at 109 E 5th St on a corner lot! Features a new driveway, 1-stall garage, and a large fenced yard. Walk to school & playground! Plus, you're close to Lake Michigan and Silver Lake fun!
Source: SparkMLS
About this home
4-bedroom, 1-bath, 1,578 sq ft home in Shelby Village in Shelby built in 1900.
Closed at $175,000 (about $111/sq ft).
Annual property taxes run approximately $1,373 ($114/month). Tax figure is from the MLS listing record; verify with the county treasurer for the most current amount.
Electric service is provided by Great Lakes Energy Cooperative; natural gas by DTE Gas Company. Fiber internet is available at this address with download speeds up to 7,000 Mbps across 9 providers.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms4
Bathrooms1
Living Area1,578 sqft
Lot Size0.23 acres
Year Built1900
Stories2
Location
CityShelby
MunicipalityShelby Vlg
Zip Code49455
CountyOceana
School DistrictShelby Public Schools
Construction & Systems
StyleTraditional
ConstructionVinyl Siding
BasementMichigan Basement
Garage1 space
HeatingForced Air
WaterPublic
SewerPublic
Sale & Financing
Listed6/14/2025
Sold Date12/3/2025
Original Price$200,000
Terms AcceptedCash, FHA, VA Loan, MSHDA, Conventional
Concessions$7,000
Source: SparkMLS
Tax Information
Annual Tax$1,373
Tax Year2024
Assessed Value$32,595
Parcel #046-111-001-00
Source: SparkMLS
Legal Description
109 E FIFTH ST WD-L2012P13988 E 71.5 FT OF LOTS 1-2 & 3 EXC S 10 FT BLK 11 SHELBY VILLAGE VILLAGE OF BARNETT.
Property Records
FEMA Flood Zone: Zone X — Minimal flood risk
Source: FEMA NFHLUSDA Rural Development: Eligible — 0% Down Payment Available
Verify eligibility at USDAListed by Scott Grondman
Bellabay Realty (SW)
Frequently Asked Questions about 109 E 5th Street, Shelby, MI 49455
Which school district serves 109 E 5th Street, Shelby, MI 49455?
Per MLS# 25021524, 109 E 5th Street, Shelby, MI 49455 is in the Shelby Public Schools boundaries. School district assignments are determined by property location and may differ from the mailing city. Contact Shelby Public Schools directly to confirm enrollment eligibility.
What type of financing is accepted for this listing?
Per MLS# 25021524, this listing accepts Cash, FHA, VA Loan, MSHDA, Conventional financing. FHA financing can offer lower down payment requirements for qualified buyers. Financing acceptance is subject to change — confirm with the listing agent.
What are the property taxes at 109 E 5th Street, Shelby, MI 49455?
Per public tax records, annual property taxes for this property are $1,373 (2024). 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.
Can I use a USDA Rural Development loan for this property?
Per USDA Rural Development boundary data, 109 E 5th Street, Shelby, MI 49455 is in an eligible area. USDA RD loans offer 0% down payment for qualified buyers. Verify current eligibility at the USDA eligibility site, as boundaries are updated periodically.
Is 109 E 5th Street, Shelby, MI 49455 in a flood zone?
Per FEMA flood maps, this property is designated as Zone X, a minimal-risk flood area. Flood insurance is not typically required in this zone but may still be advisable. FEMA flood maps are updated periodically — verify the current designation at msc.fema.gov.
What internet service is available at this address?
Per FCC Broadband Data Collection filings, fiber internet is available at 109 E 5th Street, Shelby, MI 49455. The maximum advertised download speed is 7.0 Gbps. 9 internet providers serve this address. Confirm availability and speeds directly with providers.
What utilities serve 109 E 5th Street, Shelby, MI 49455?
Per Michigan Public Service Commission service territory data: Electric: Great Lakes Energy Cooperative. Gas: DTE Gas Company. Sewer: Public. Water: Public. Confirm service details directly with providers.
What is the crime rate in this area?
For crime and public safety data, we recommend inquiring directly with the Shelby Vlg police department or the Oceana County sheriff's office.
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Monthly payment$1,167
Principal & interest$1,167
Estimate only. Does not include PMI or other fees. Consult a lender for exact rates.
Internet
FiberDownload
7 Gbps
Upload
7 Gbps
FiberCableGSO SatelliteUnlicensed Fixed WirelessSatelliteLicensed Fixed WirelessDSL
9 providers at this address
FrontierFiber
7 GbpsSpectrumCable
1 GbpsStarlinkGSO Satellite
280 MbpsMercury FiberUnlicensed Fixed Wireless
150 MbpsHughesNetSatellite
100 MbpsT-MobileLicensed Fixed Wireless
100 MbpsViasat IncSatellite
100 MbpsFrontierDSL
45 MbpsAT&TLicensed Fixed Wireless
25 MbpsFCC Broadband Data Collection (Dec 2025). Max advertised speeds.
Utilities
Great Lakes Energy Cooperative
Co-op
DTE Gas Company
Investor-Owned
MI Public Service Commission service territory boundaries.
Property
109 E 5th Street, Shelby, MI 49455
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Municipality
Shelby Village
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County
Macomb County
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