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11838 Lake Shore Dr, Charlevoix, MI, 49720

2beds
2baths
1,750sqft
$749,000
$428price/sqft
$5,862/moest. monthly cost
$234,480/yrincome needed

About This Home

Enjoy 150 feet of Lake Michigan frontage and panoramic views of Grand Traverse Bay and the Leelanau Peninsula from this distinctive waterfront cottage in Norwood, just south of Charlevoix. Set on a private shoreline setting, the home offers the perfect combination of character, comfort, and thoughtful updates. Inside, you'll find wood and tile floors, a Swedish wood-burning stove, and an open, inviting living space designed to capture the stunning water views. Expansive lakeside decks and an outdoor fireplace create ideal spaces for entertaining, relaxing, and enjoying Northern Michigan sunsets. Inspired by the French countryside and designed by a French literature professor and a noted local architect, the home blends timeless charm with modern improvements. Recent updates include a geothermal heat pump, handcrafted Old Mission windows, Ayers Basement Systems improvements, a new well pump, and a freshly painted stucco exterior. Built with durable 2x6 construction, this property is ready to be enjoyed for years to come. Offered turn-key, this is a rare opportunity to own a unique Lake Michigan retreat with exceptional views, private frontage, and move-in-ready convenience.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
23
BikeSomewhat Bikeable

Schools

6/10
9/10
Charlevoix High SchoolGrades 7-127.8 mi

Construction

Condition

  • Year built: 1984

Materials

  • Construction materials: Wood Frame/Site Built

Type & Style

  • Home type: SingleFamily

Interior

Appliances

  • Appliances included: Disposal,Refrigerator,Washer,Dryer,Range

Basement

  • Basement: Crawl Space

Bedroom

  • Area: 326.59999999999997

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 1
  • 1/2 bathrooms: 1

Dining Room

  • Area: 173.892

Features

  • Flooring: Wood
  • Fireplace features: Wood Burning Stove
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Geothermal,Heat Pump
  • Cooling features: Ceiling Fan(s),Central Air

Interior Area

  • Total interior livable area: 1,750 sqft

Kitchen

  • Area: 80.8

Living Room

  • Area: 444.46999999999997

Master Bedroom

  • Area: 228.14

Property

Details

  • Parcel number: 050110300410

Features

  • Patio & porch: Deck
  • On waterfront: Yes
  • Waterfront features: Waterfront

Lot

  • Lot size: 1.66 Acres

Parking

  • Parking features: Attached Carport
  • Covered spaces: 1
  • Carport: Yes

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Cold Wave
    Cold WaveRelatively High
  • Hail
    HailModerate
  • Lightning
    LightningModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Cold Wave
Hail
Lightning
Tsunami

FEMA Declared Disasters in Antrim County and Michigan

Severe Ice Storm
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $3,787$45,444
Home Insurance *$337$4,044
Property Taxes $1,548$18,576
Electricity $190$2,290
Total$5,862$70,344
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$200,982/yr
40% on housing$175,860/yr
45% on housing$156,320/yr

Michigan FAIR Plan Programs

Michigan Basic Property Insurance Association

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 15,981Commercial: 293
Total Premiums$13.85M
Total Exposure$2.60B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 8.8%
8.8%
0%30.0%
Electricity Growth Rate10-year average: 3.9%
3.9%
0%15.0%
Property Taxes Growth Rate2-year average: 2.9%
2.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$428This listing

vs Other Active Listings

Avg $/sqft

ZIP 49720$278
Antrim County$325

vs Homes Sold Last Month

Median $/sqft

ZIP 49720
Antrim County$254

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-07-31Price change$749,000
2026-05-15Listed for sale$779,000
2026-02-19Listing removed$799,900
2025-08-28Listed for sale$799,900
2013-12-03Sold$275,000
2013-07-27Price change$290,000
2012-09-01Listed for sale$315,000

For Sale by Agent

AgentLaurie Hodack
BrokerageColdwell Banker Schmidt - Boyne City

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