12246 Pineridge Trl, Kewadin, MI, 49648
About This Home
Private Torch Lake Frontage. Timeless Comfort. Exceptional Northern Michigan Living. Nestled on nearly an acre with 125 feet of private frontage on world-famous Torch Lake, this exceptional waterfront retreat offers luxury, privacy, and the unmatched beauty of Northern Michigan. Surrounded by stunning perennial gardens and beautifully landscaped grounds, the crystal-clear turquoise waters of Torch Lake become your everyday backdrop. Designed for comfortable living and effortless entertaining, this 3,900+ square-foot home features 5 bedrooms, 3 full baths, and 1 half bath. Perfect lake front living. Custom wood cabinetry, granite countertops, stainless steel appliances, and a dramatic floor-to-ceiling natural stone fireplace create warm, inviting living spaces, while the main-level primary en-suite offers and 2 bedrooms on the upper level and 2 bedrooms on the lower level. This home makes it a perfect home for hosting large groups for family and friends. Enjoy everything Torch Lake has to offer from your private shoreline, complete with a long, winter-proof dock for maximizing your time on the water. A 2-car garage with extra area for water toys, vehicles or workshop. Whether you're looking for a year-round residence, family retreat, or luxury getaway, this rare Torch Lake property offers an extraordinary opportunity to own 125 feet of private frontage on one of Northern Michigan's most iconic lakes. Dock, hoist and boat included.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1990
Materials
- Foundation: Block
- Roof: Asphalt
- Construction materials: Frame,Wood Siding
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Refrigerator,Oven/Range,Disposal,Dishwasher,Microwave,Washer,Dryer,Exhaust Fan,Electric Water Heater
- Laundry features: Main Level
Basement
- Has basement: Yes
- Basement: Full,Walk-Out Access,Exterior Entry,Finished Rooms,Egress Windows,Finished,Interior Entry
Bedroom2
- Level: Upper
- Area: 198
Bedroom3
- Level: Upper
- Area: 132
Bedroom4
- Level: Lower
- Area: 138
Bedrooms & Bathrooms
- Bedrooms: 5
- Bathrooms: 4
- Full bathrooms: 3
- 1/2 bathrooms: 1
- Main level bathrooms: 2
- Main level bedrooms: 1
Dining Room
- Level: Main
- Area: 172.5
Family Room
- Level: Lower
- Area: 396
Features
- Entrance Foyer,Walk-In Closet(s),Loft,Granite Bath Tops,Granite Counters,Mud Room,Vaulted Ceiling(s),Drywall,Ceiling Fan(s),Cable TV,High Speed Internet,WiFi
- Window features: Skylight(s),Blinds,Drapes,Curtain Rods
- Flooring: Wood,Vinyl,Tile
- Fireplace features: Stove
- Fireplace: Yes
- Finished area below ground: 1,963
- Finished area above ground: 1,943
Heating & Cooling
- Heating features: Hot Water,Baseboard,Natural Gas,Fireplace(s)
- Cooling features: Central Air,Ductless
Interior Area
- Total structure area: 3,906
- Total interior livable area: 3,906 sqft
Kitchen
- Level: Main
- Area: 268.25
Living Room
- Level: Main
- Area: 480.5
Master Bathroom
- Features: Private
Master Bedroom
- Level: Main
- Area: 259
Property
Accessibility
- Accessibility features: None
Details
- Parcel number: 051432405300
- Zoning description: Residential,Outbuildings Allowed
Features
- Levels: Two
- Stories: 2
- Patio & porch: Deck,Multi-Level Decking
- Exterior features: Sprinkler System,Sidewalk,Dock
- Has view: Yes
- View description: Water
- Water view: Water
- On waterfront: Yes
- Waterfront features: Inland Lake,Rocky Shoreline,Bluff (less than 10ft),Lake
- Waterbody name: Torch Lake
- Frontage type: Waterfront
- Frontage length: 125
Lot
- Lot size: 0.83 Acres
- Features: Wooded-Hardwoods,Wooded,Evergreens,Sloped,Landscaped,Metes and Bounds
- Lot size dimensions: 125 x 290
Parking
- Total spaces: 2
- Parking features: Attached,Garage Door Opener,Paved,Concrete Floors,Concrete,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
- Hail
- Lightning
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters in Antrim County and Michigan
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $14,916 | $178,992 |
| Home Insurance * | $1,274 | $15,288 |
| Property Taxes | $5,144 | $61,728 |
| Electricity | $426 | $5,112 |
| Total | $21,760 | $261,120 |
Income You'd Need if You Spent...
Michigan FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-06-27 | Listed for sale | $2,950,000 |
| 2008-05-21 | Sold | $785,000 |
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