132 E Howard ST , Pontiac, MI 48342
Est. $1,459/mo with current taxes · · See the breakdown
About this home
Take control of your financial future and redefine what it means to own a home with this brilliant house-hacking opportunity—a fantastic, well-maintained duplex in a desirable neighborhood where your future tenant can practically pay your mortgage! Priced competitively to win in today's market with possible buyer concessions available to make your transition even smoother, this home empowers your journey with ultimate independence and low overhead. Both units are equipped with 2 bedrooms, 1 bathroom, separate gas and DTE meters, individual furnaces, separate hot water tanks, and dedicated laundry spaces, all backed by low property taxes, a new roof, new windows, and recent high-end upgrades like a rebuilt flat-roof patio and a fully remodeled upper-unit bathroom with modern finishes. With both units currently vacant, you hold the power to choose your favorite unit to move straight into while hand-picking a brand-new tenant for the other—previously commanding $1,250/month for the lower and $1,150/month for the upper—giving you the incredible freedom to build lasting equity, live smart, and turn your real estate goals into an inspiring daily reality.
Monthly payment
The tax line is the seller's current bill from the MLS. Michigan uncaps the taxable value the year after a sale, so tap See uncapped taxes for what a buyer will likely pay then.The uncapped tax line is this home's bill after it uncaps: half the price times 38.37 mills, the 2025 homestead rate here. Insurance is a $2,400/yr placeholder and PMI 0.55% of the loan below 20% down. An estimate, not a loan quote.
The facts
| Price | $164,999 |
| Beds | 4 |
| Baths | 2 full, 1 half |
| Square feet | 2,664 |
| Type | Single family residence |
| Subdivision | ASSRS 25 - CITY OF PONTIAC |
| County | Oakland |
| MLS # | 20261086869 |
| Listed | 2026-10-27 |
| Days on market | 0 |
| Year built | 1910 |
| Possession | At closing |
| Stories | 2 stories |
| Basement | Unfinished |
| Heating | Forced air, Natural gas |
| Foundation | Basement, Block |
| Water / Sewer | City water & sewer |
| Parcel number | 1429233017 |
| Listing office | Brookstone, Realtors LLC |
Property taxes: the seller's bill vs. yours
| This seller today | You, the year after buying | |
|---|---|---|
| Taxable value | $49,700 | about $82,500 |
| Yearly property tax | $3,031 | about $3,166 |
Michigan caps a homeowner's taxable value until the home sells, then it resets. That's about $135 a year more than this seller pays. The assessor's state equalized value (SEV) is $49,700. Your taxable value resets to the SEV the year after you buy, and assessors usually raise it to about half the sale price. Estimate uses Pontiac's 2025 homestead rate of 38.37 mills and assumes you claim the homestead exemption. See Pontiac's full tax breakdown or run the uncapping calculator.
Location
IDX provided courtesy of Realcomp II Ltd. via Match Realty LLC and Realcomp II Ltd, ©2026 Realcomp II Ltd. Shareholders. The accuracy of all information, regardless of source, is not guaranteed or warranted. All information should be independently verified. Listings refreshed 2026-10-27T19:38+00:00; refreshed at least twice daily.