S Frank Smith Rd & S Depot St Area
Solid value in a growing area
1 home for sale·Median $205K·Walkability 0.0/10·Schools 6.0/10
When you turn onto this stretch, the first thing that hits you is the *space*—rolling acres, paved roads threading through countryside, the kind of quiet that actually feels deliberate rather than accidental. This is where country living breathes: properties sit on acreage ranging from a few lots to sprawling rural parcels, many with room for gardens, storage, or whatever project you've been dreaming about. You're close enough to Chase for quick errands and a short drive to Reed City, with US 131 expressway minutes away for those heading toward the city, yet far enough out that state land and ORV trails feel genuinely nearby—hunters and outdoor folks have made this area home for that reason. A restaurant sits just steps away, and Hungerford Lake Recreation Area is a three-minute walk, which means weekend mornings don't require a long drive. The homes here range from charming older cottages needing love to remodeled ranches on acreage, often with detached garages or storage space that rural living demands—real houses on real land, the kind of place where you're not paying for density but for breathing room.
Why people love it here
$205K median
- 3 sales in last 12mo
Conventional Mortgage Calculator
Median home price in S Frank Smith Rd & S Depot St Area
Estimated Monthly Payment
$1,392/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.
3 homes sold in S Frank Smith Rd & S Depot St Area this year. Thinking of selling?
See what your home is worthBased on 3 rated schools nearby
Range: 5/10 to 7/10
School District: Reed City Area Public Schools
Walkability
Car-dependent
Overall walkability score out of 10
Based on actual walk/bike/drive times to nearby amenities via Mapbox
Lake No Sho Mo
Crime in S Frank Smith Rd & S Depot 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 Lake County.
Lake County crime & safety stats →To buy a median-priced S Frank Smith Rd & S Depot St Area home (around $205,000) at today's 6.49% 30-year fixed rate with 20% down, you'd need roughly $36k/year in household income to qualify — an estimated monthly payment of $1,364 (principal, interest, property tax est., and insurance).
| Down payment | Monthly payment | Income needed |
|---|---|---|
| 20% | $1,364/mo | $36,360 |
| 10% (+PMI) | $1,570/mo | $41,862 |
| 5% (+PMI) | $1,639/mo | $43,702 |
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
~$891/yr in electricity from a typical rooftop solar system
Produces ~6,238 kWh/yr · offsets ~59% of a typical home's use
Utility, solar, and service details for S Frank Smith Rd & S Depot 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
The Old School Ground
0.8 mi
Parks Nearby
5
within 1 mile
Frequently asked about S Frank Smith Rd & S Depot St Area
- What do homes cost in S Frank Smith Rd & S Depot St Area?
- The median home value in S Frank Smith Rd & S Depot St Area is about $205,000. Individual prices vary by street, size, and condition.
- How active is the S Frank Smith Rd & S Depot St Area housing market?
- there is 1 home for sale in S Frank Smith Rd & S Depot St Area right now, and 3 homes sold here in the last 12 months. Listings refresh throughout the day from the MichRIC MLS.
- What schools serve S Frank Smith Rd & S Depot St Area?
- S Frank Smith Rd & S Depot St Area is served by Reed City Area Public Schools. Its highest-rated assigned school is GT Norman Elementary School (7/10).
- Is S Frank Smith Rd & S Depot St Area walkable?
- S Frank Smith Rd & S Depot St Area scores 0.0/10 for walkability — a measure of walking, biking, and driving access to groceries, dining, parks, schools, and transit.
Top contributors in S Frank Smith Rd & S Depot St Area
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