Elm St & James St Area
Solid value in a growing area
Median $505K·Walkability 1.5/10
This stretch spreads across nearly 300 acres on the edge of the Village of New Era, where Lake Michigan lies just a few hundred feet away and an unnamed park sits right next door—close enough that you can slip out for a walk without much deliberation. The homes out here tend toward custom builds on generous lots, many running several acres deep, which means you get room to breathe and space to actually do something with the land if the mood strikes. A coffee shop is about 1.7 miles down the road, and restaurants within a 10-minute walk provide convenient dinner options without requiring a serious drive. The setting balances genuine country quiet—wooded parcels, natural gas heating, hardwood floors in newer builds—with the practicality of village proximity, so you're not entirely cut off from services or neighbors, just pleasantly removed from the noise of it all.
Why people love it here
$505K median
- 1 recent sale
Conventional Mortgage Calculator
Median home price in Elm St & James St Area
Estimated Monthly Payment
$3,428/mo
Property tax and insurance are estimates you can edit — not a quote. Tap either figure to enter your own.
The interest rate shown is not an annual percentage rate (APR). Rate displayed is the current average 30-year fixed rate from the Freddie Mac Primary Mortgage Market Survey and is subject to change without notice. Your actual rate, payment, and costs may vary. Contact a loan officer for a personalized quote.
Guild Mortgage NMLS #3274. Equal Housing Opportunity. NMLS Consumer Access. Not a commitment to lend. All loans subject to underwriter approval; terms and conditions may apply. Subject to change without notice. Always consult an accountant or tax advisor for full eligibility requirements on tax deduction.
Walkability
Car-dependent
Overall walkability score out of 10
Based on actual walk/bike/drive times to nearby amenities via Mapbox
Country Dairy Farm Store
+1 more
Lewis Coffee Company
Park on Whitehall Rd
+1 more
Playground on Sikkenga Rd
+1 more
Browns Pond
+1 more
Beach on Vally Rd
Shelby Public Library
Crime in Elm St & James St Area is reported at the city level, not the neighborhood level. The FBI doesn't publish reliable crime rates for individual neighborhoods, and within any community crime varies street to street. For an accurate, comparable picture, see the jurisdiction-wide figures for Oceana County.
Oceana County crime & safety stats →To buy a median-priced Elm St & James St Area home (around $505,000) at today's 6.49% 30-year fixed rate with 20% down, you'd need roughly $90k/year in household income to qualify — an estimated monthly payment of $3,359 (principal, interest, property tax est., and insurance).
| Down payment | Monthly payment | Income needed |
|---|---|---|
| 20% | $3,359/mo | $89,571 |
| 10% (+PMI) | $3,867/mo | $103,124 |
| 5% (+PMI) | $4,037/mo | $107,656 |
Estimates use a 6.49% 30-year fixed rate (current Freddie Mac average), an aggressive ~45% housing-to-income ratio (roughly what FHA underwriting can allow for a buyer with no other monthly debts — your number depends on your debts and credit), this area's median sale price, plus estimated insurance and PMI below 20% down. Not a commitment to lend, and not an APR — your actual rate and payment will vary.
Solar potential
~$912/yr in electricity from a typical rooftop solar system
Produces ~6,381 kWh/yr · offsets ~61% of a typical home's use
Utility, solar, and service details for Elm St & James St Area are compiled from public records, municipal sites, and NREL / U.S. data.gov, and can change. Electric/gas can vary by address — confirm with the provider before relying on them.
Flood Risk
None
Not in flood zone
Nearest Park
Unnamed park
0.5 mi
Parks Nearby
5
within 1 mile
🍕 Restaurants(6)
Restaurant
Frosty's Oasis
Restaurant
Hilltop Cheese Co
Restaurant
Rusty Rooster
Restaurant
The Social Goat Tavern
Restaurant
+1 more within 5 miles
☕ Coffee(1)
Lewis Coffee Company
Café
🏫 Schools(16)
New Era Christian School
New Era Elementary School
School
Eagle School
Carpenter School
Shelby Center School
+11 more within 5 miles
🚴 Trails(7)
Hart-Montague Bicycle Trail
Bike Path
Hart-Montague Bicycle Trail
Bike Path
Hart-Montague Bicycle Trail
Bike Path
+4 more within 5 miles
🏥 Hospitals(1)
Hospital
📚 Libraries(1)
Shelby Public Library
⚡ EV Charging(1)
EV Connect
EV Charging
Frequently asked about Elm St & James St Area
- What do homes cost in Elm St & James St Area?
- The median home value in Elm St & James St Area is about $505,000. Individual prices vary by street, size, and condition.
- How active is the Elm St & James St Area housing market?
- no homes are listed in Elm St & James St Area right now, and 1 home sold here in the last 12 months. Listings refresh throughout the day from the MichRIC MLS.
- What schools serve Elm St & James St Area?
- Elm St & James St Area is served by Shelby Public Schools.
- Is Elm St & James St Area walkable?
- Elm St & James St Area scores 1.5/10 for walkability — a measure of walking, biking, and driving access to groceries, dining, parks, schools, and transit.
Top contributors in Elm St & James St Area
Detailed statistics are being computed for this location. Demographics, home values, schools, flood risk, and more will appear here automatically.