




70219 Hilltop Dr, Union, MI, 49130
About This Home
Situated in a premier spot on Baldwin Lake with over 60 feet of water frontage, this home offers the ultimate setup for lakefront living. Baldwin Lake is a 266-acre all-sports lake in Union, Michigan—just an easy two-hour drive from Chicago, making it ideal for a quick weekend escape or full-time retreat. The property captures incredible scenery from every angle, with beautiful sunrise views directly over the lake, stunning sunsets across the open field on the opposite side, and frequent visits from local wildlife such as herons and swans. Cherished and cared for by the same family for years, the home was designed to maximize water views from both levels. The lower level features a bright, open-concept layout where the kitchen and main living area join together, anchored by a dual-sided wood-burning fireplace that creates a warm, inviting space overlooking the water. The upper level holds three comfortable bedrooms— one of which features a beautiful built-in library/sitting area —while the lower level includes an extra flex room that easily serves as a fourth bedroom, den, or home office. Step right out from the lower living space onto an expansive deck elevated over the water, which leads down through the yard straight to the lake's edge. The pier offers a practical setup, with gradual waist-deep water halfway out and plenty of depth at the end for diving off the dock or mooring a boat. Additional features include a new central A/C system, an attached two-car garage with room for gear, and a welcoming lake community. This well-loved home is ready for its next owner to start enjoying life on Baldwin Lake.
Getting Around
Schools
Construction
Condition
- Year built: 1968
Materials
- Roof: Shingle
- Construction materials: Brick,Vinyl Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Ranch
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Microwave,Range,Refrigerator,Water Softener Owned
- Laundry features: In Basement
Basement
- Has basement: Yes
- Basement: Full,Walk-Out Access
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 2
- Main level bedrooms: 3
Features
- Ceiling Fan(s)
- Window features: Window Treatments
- Flooring: Carpet,Linoleum,Tile,Vinyl
- Number of fireplaces: 1
- Fireplace features: Wood Burning
- Fireplace: Yes
- Finished area below ground: 1,241
Heating & Cooling
- Heating features: Forced Air
- Cooling features: Central Air
Interior Area
- Total structure area: 1,261
- Total interior livable area: 2,502 sqft
Property
Details
- Parcel number: 1412036000900
Features
- Stories: 1
- Exterior features: Balcony
- On waterfront: Yes
- Waterfront features: Lake
- Waterbody name: Baldwin Lake
Lot
- Lot size: 0.28 Acres
- Lot size dimensions: 66 x 188
Parking
- Total spaces: 2
- Parking features: Attached
- Has garage: Yes
- Attached garage spaces: 2
- Covered spaces: 2
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
- Strong Wind
- Cold Wave
- Hail
- Tornado
- Inland Flooding
- Lightning
- Winter Weather
How This Home’s Risks Compare
FEMA Declared Disasters in Cass 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 | $3,791 | $45,492 |
| Home Insurance * | $204 | $2,448 |
| Property Taxes | $903 | $10,836 |
| Electricity | $272 | $3,274 |
| Total | $5,170 | $62,040 |
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 |
|---|---|---|
| 2026-07-23 | Listed for sale | $749,900 |
