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1070 Us Highway 31 N, Kewadin, MI, 49648

4beds
2baths
1,468sqft
$1,375,000
$937price/sqft
$10,204/moest. monthly cost
$408,160/yrincome needed

About This Home

100’ of TORCH LAKE FRONTAGE is waiting to welcome you home. One of the rare boat houses on Torch Lake! As you enter the driveway you will discover a beautiful, wooded setting on the lake. The spacious living room is enhanced by gorgeous views of the lake and a one-of-a-kind stone fireplace perfect for spending your evenings. Bright and cheery kitchen with white cabinetry. Main floor owner’s suite with private bath. The deck by the lake will be a great place to gather and host your next barbecue Start creating memories of “up north” lake living on this spectacular parcel, the possibilities are limitless. Imagine taking your boat fishing on Lake Skegemog, a leisurely ride down the shoreline to head into the excitement of the Torch Lake sandbar, spend the day exploring the shops in the Village of Elk Rapids or head to the Clam River for lakeside dining at the Dockside, so many things to do from his hidden gem of a parcel. Live in a northern Michigan utopia and surround yourself with the beauty of Torch Lake.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
24
BikeSomewhat Bikeable

Schools

8/10
Lakeland Elementary SchoolGrades PK-510.9 mi
8/10
Cherryland Middle SchoolGrades 6-811.1 mi
10/10
Elk Rapids High SchoolGrades 9-1211.2 mi

Construction

Condition

  • Year built: 1962

Materials

  • Foundation: Slab
  • Roof: Asphalt
  • Construction materials: Frame,Wood Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Refrigerator,Oven/Range,Dishwasher,Microwave
  • Laundry features: Main Level

Bedroom2

  • Level: Main

Bedroom3

  • Level: Main

Bedroom4

  • Level: Main

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main

Features

  • Other,Cable TV,High Speed Internet
  • Flooring: Vinyl,Carpet
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 1,468

Heating & Cooling

  • Heating features: Forced Air,Fireplace(s)
  • Cooling features: Central Air,Electric

Interior Area

  • Total structure area: 1,468
  • Total interior livable area: 1,468 sqft

Kitchen

  • Level: Main

Living Room

  • Level: Main

Master Bathroom

  • Features: Private

Master Bedroom

  • Level: Main

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 051413003100
  • Zoning description: Residential

Features

  • Patio & porch: Deck,Screened
  • Has view: Yes
  • View description: Water
  • Water view: Water
  • On waterfront: Yes
  • Waterfront features: All Sports
  • Waterbody name: Torch Lake
  • Frontage type: Waterfront
  • Frontage length: 100

Lot

  • Lot size: 0.75 Acres
  • Features: Wooded-Hardwoods,Metes and Bounds
  • Lot size dimensions: 100 x 399 x 97 x 396

Parking

  • Parking features: None,Easement,Shared Driveway

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 $6,952$83,424
Home Insurance *$594$7,128
Property Taxes $2,470$29,640
Electricity $188$2,259
Total$10,204$122,448
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$349,851/yr
40% on housing$306,120/yr
45% on housing$272,106/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

$937This listing

vs Other Active Listings

Avg $/sqft

ZIP 49648$612
Antrim County$318

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)

No zestimate history available

Price History

DateEventPrice
2025-09-09Price change$1,495,000
2025-07-31Listed for sale$1,600,000

For Sale by Agent

AgentDonald Fedrigon
BrokerageREMAX Of Elk Rapids

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