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Property profile & analytics
OFF-MARKET
Banks
3858 Huron Rd, Pinconning, MI 48650-7912
Individually Owned
1-yr Hold
Free & Clear
Property ID
US43-1140252
Property summary
AI-generated overview
This exceptional 2,530-square-foot office building, formerly a bank branch, presents a unique investment opportunity in Pinconning, Michigan. Located at 3858 N Huron Rd, this property boasts high visibility on M-13 (Huron Road) in northern Bay County, ensuring significant exposure to a high volume of traffic. The building sits on a 1.091-acre lot and offers ample parking, complemented by three convenient drive-thru lanes. Its versatile layout is suitable for a variety of uses, including creative office space, executive suites, or traditional office configurations. The asking price is $300,000, translating to $118.58 per square foot. The property is currently available for purchase by any qualified buyer
Property profile
Verified
Property type
Banks
Use group
FINANCIAL BUILDING
Lot
1.09 ac (47,480 SF)
APN
120-B05-000-044-00
UPID
US43-1140252
Cap rate & NOI
Priority signal for investors
Implied cap rate, NOI & suggested price
Cap rate vs submarket · NOI estimate · 3 price anchors
Implied cap rate, NOI & suggested price
Cap vs submarket · NOI estimate · 3 price anchors
Value estimations
Realmo proprietary · 4 methods
AI Approach
AI
by Request
CAP Approach
CAP
by Request
Comparable Approach
Comparable
by Request
Blend (final)
Blend
by Request
Owner & transaction history
United Financial Credit Union · 1 yrs held
United Financial Credit Union
since 2025
1 recorded transaction
Zoning & alternative use
Permitted uses
Permitted uses
Allowed · conditional · prohibited
Cap rate
Implied · in-place · derived from last sale + estimated NOI
Implied Cap rate
#1
Implied · in-place · NOI ÷ last sale
In-place · derived from last sale + estimated NOI
Cap rate, NOI & submarket benchmark
Implied cap rate vs Pinconning submarket · NOI estimate · Typical band, median & reading
Implied cap rate, NOI & submarket benchmark
Cap vs Pinconning submarket · NOI estimate · typical band, median & reading
Refine your cap rate
8-question underwriting flow
1.
Property current status — Going-In vs Stabilized
2.
Price for denominator — asking / offer / market
3.
Leasing status & lease structure (NNN / Gross)
4.
Tenant risk profile & vacancy assumption
5.
Upload T12 / rent roll / OM (optional)
Refine in 60 seconds, get exact suggested price
T12 upload · Submarket benchmarks · Sensitivity grid
Suggested price · 3 cap rate anchors
Income approach @ 5% / 7% / 9% — aggressive / typical / conservative
Suggested price at 5% / 7% / 9% cap
Aggressive / typical / conservative · Implied $/SF per anchor · Sensitivity grid
Suggested price at 5% / 7% / 9% cap
Aggressive / typical / conservative · implied $/SF · sensitivity
Value
AI, CAP & Alternative Use estimations · Realmo proprietary blendValue Estimations
Based on Realmo’s proprietary methodology
AI Approach
CAP Approach
Comparable Approach
Alternative Use
Get a detailed, property-specific estimation — fast and free
Price per SF
Sale + rent benchmarks
Subject property
—
Submarket sale & rent benchmarks
Median sale $/SF · Asking & closed rent · Submarket vacancy
Submarket sale & rent benchmarks
Median sale $/SF · asking & closed rent · submarket vacancy
Property tax & assessments
Tax year 2023Property tax & assessments
Tax year 2023
Tax billed
$13,557
Tax year 2023
Assessed value
$148,000
Assessed 2024
Previous assessed
$164,400
-10.0% YoY
Effective rate
9.16%
On assessed value
Total market value
$296,000
Applied tax rate
120.0000
Comparables
6 recent transactions · within 1.5 miComparable in this city
6 recent transactions
Comparable in this City
Similar Nearby for Sale
Recent comparable sales
Sale price & price/SF · Sale date & distance · Adjustments & confidence
Recent comparable sales
Sale price & $/SF · sale date & distance · adjustments
Property description
Physical attributes from public recordsBuilding & lot
Public records
Property type
Banks
Use group
FINANCIAL BUILDING
Status
Off-Market
Heating
FORCED AIR
Lot
1.09 ac (47,480 SF)
APN
120-B05-000-044-00
UPID
US43-1140252
Jurisdiction
BAY
Zoning & alternative use
Zoning · permitted uses
Permitted & conditional uses
Allowed uses · Special-permit conditions · Prohibited uses
Permitted & conditional uses
Allowed · special-permit conditions · prohibited
Building & site characteristics
From public records
Heating
FORCED AIR
Lot
1.09 ac
Current owner
From public records · entity-resolved
United Financial Credit Union
Individual
Free & Clear · 1 yrs held
Mailing address
PO BOX 610287, PORT HURON, MI 48061-0287
Ownership since
2025
Owner contacts — direct phone, email, and related entities
Decision-maker phone · Verified email · Related entities & filings
Owner contacts
Email · phone · related entities
Sales History
1 recorded event · public records
Date
Price
Buyer
Seller
Deed Type
Mortgage
Jan 31, 2025
$225,000
United Financial Credit Union
The Huntington National Bank
Deed
—
Coming soon
Costs & Benchmarks
Operating expenses, capex projections, utility benchmarks, and submarket comparables — all in one view.
Coming soon
Risks
Flood, climate, environmental, title, and tenant-concentration risk — surfaced with mitigations and source citations.
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