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11660 Indian Rd, Kewadin, MI, 49648

4beds
3baths
3,433sqft
$875,000
$255price/sqft
$5,995/moest. monthly cost
$239,800/yrincome needed

About This Home

Panoramic Torch Lake views take center stage in this custom-built 4-bedroom, 2.5-bath home offering over 3,700 square feet of thoughtfully designed living space. Built in 2011, this Up North retreat combines rustic charm with modern comfort, featuring oversized windows that frame the stunning water views and fill the open-concept floor plan with natural light. The expansive upper-level deck is the perfect place to entertain or unwind while taking in the breathtaking scenery, and you’re just a short walk to Torch Lake access and 1/2 mile to the boat lauch. The finished walkout basement extends your living space with a private bedroom, full bath, bar, spacious entertainment area, abundant storage, and a patio that continues to showcase the incredible views. Whether hosting guests or enjoying a quiet evening, this home offers versatility for every lifestyle. The oversized, heated, and insulated two-car garage is a standout feature, complete with a workshop area, floor drains, and an epoxy-coated floor. Additional highlights include a highly efficient wood boiler heating system, propane forced air, and natural gas available at the road, giving you flexible heating options. Two on-demand water heaters and a whole-house Generac generator provide comfort and peace of mind year-round. Outdoors, the property is designed for both relaxation and recreation with a pole barn for all your seasonal toys, two auto-refill ponds, outdoor speakers, and a beautifully crafted stone firepit perfect for stargazing. The adjacent vacant lot offers endless possibilities—ideal for additional privacy, a guest house, or space for animals. Don’t let the approach fool you—this property delivers an incredible setting, unmatched views, and a lifestyle that embodies Northern Michigan living at its finest.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
16
BikeSomewhat Bikeable

Schools

8/10
8/10
Cherryland Middle SchoolGrades 6-84.2 mi
10/10
Elk Rapids High SchoolGrades 9-124.3 mi

Construction

Condition

  • Year built: 2011

Materials

  • Foundation: Poured Concrete
  • Roof: Asphalt
  • Construction materials: Frame,Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Refrigerator,Disposal,Dishwasher,Microwave,Water Softener Owned,Washer,Dryer,Oven,Cooktop,Electric Water Heater,Instant Hot Water
  • Laundry features: Main Level

Basement

  • Has basement: Yes
  • Basement: Full,Walk-Out Access,Finished Rooms,Egress Windows,Finished

Bedroom2

  • Level: Main
  • Area: 165.12

Bedroom3

  • Level: Main
  • Area: 136.73

Bedroom4

  • Level: Lower
  • Area: 167.56

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1
  • Main level bathrooms: 2
  • Main level bedrooms: 3

Dining Room

  • Area: 199.26

Features

  • Walk-In Closet(s),Pantry,Kitchen Island,Mud Room,Drywall,Ceiling Fan(s),WiFi
  • Window features: Bay Window(s),Blinds
  • Fireplace features: None
  • Finished area below ground: 1,824
  • Finished area above ground: 1,609

Heating & Cooling

  • Heating features: Forced Air,External Wood Burner,Natural Gas,Propane,Wood
  • Cooling features: Central Air

Interior Area

  • Total structure area: 3,433
  • Total interior livable area: 3,433 sqft

Kitchen

  • Level: Main
  • Area: 209.76

Living Room

  • Level: Main
  • Area: 312.96

Master Bathroom

  • Features: Private

Master Bedroom

  • Level: Main
  • Area: 405.96

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 051220700131
  • Zoning description: Agricultural,Horses Allowed,Outbuildings Allowed
  • Other equipment: Dish TV

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Deck,Porch
  • Exterior features: Garden,Rain Gutters
  • Has view: Yes
  • View description: Countryside View,Water
  • Water view: Water
  • Waterfront features: Inland Lake,All Sports,Lake,Near Pub.Access w/in 500'
  • Horses can be raised: Yes

Lot

  • Lot size: 3.50 Acres
  • Features: Rolling Slope,Landscaped,Metes and Bounds
  • Lot size dimensions: See Attached

Parking

  • Total spaces: 2
  • Parking features: Attached,Garage Door Opener,Paved,Heated Garage,Concrete Floors,Gravel,Easement,Private
  • Has garage: Yes
  • Attached garage spaces: 2
  • Has uncovered spaces: 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
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Cold Wave
Hail
Inland Flooding
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 $4,424$53,088
Home Insurance *$378$4,536
Property Taxes $819$9,828
Electricity $374$4,493
Total$5,995$71,940
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$205,542/yr
40% on housing$179,850/yr
45% on housing$159,866/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

$255This listing

vs Other Active Listings

Avg $/sqft

ZIP 49648$672
Antrim County$328

vs Homes Sold Last Month

Median $/sqft

ZIP 49648
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
2026-04-13Listed for sale$899,900
2026-01-01Listing removed$950,000
2025-07-07Price change$950,000
2025-06-11Price change$980,000
2025-04-14Listed for sale$999,900
2025-02-17Listing removed$1,150,000
2024-11-11Price change$1,150,000
2024-09-03Listed for sale$1,200,000

For Sale by Agent

AgentAnn Porter
BrokerageREO-TCRandolph-233022

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