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26690 Pats Rd, Beaver Island, MI, 49782

2beds
2baths
952sqft
$280,000
$294price/sqft
$2,119/moest. monthly cost
$84,760/yrincome needed

About This Home

207 feet of Lake Michigan waterfront on Cable’s Bay located at the south end of Beaver Island! Stairs lead down to the private beach which is a great place to paddle your kayak, or take a stroll. Pat's Road runs along the east side of the property, leading to Lake Geneserath, the island’s largest inland lake and a great fishing spot. Cable’s Bay is unique for its pristine beauty, and rich history as the site of the town of Nomad. This 2 bedroom, 2 bath mobile home could make a great cabin retreat, or build your dream cottage on the property using the existing well and septic. Schedule your showing!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
23
BikeSomewhat Bikeable

Schools

6/10

Construction

Condition

  • Year built: 1992

Type & Style

  • Home type: SingleFamily
  • Property subType: Mobile Home

Interior

Appliances

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

Basement

  • Basement: Crawl Space

Bedroom

  • Area: 131.25

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Window features: Mini Blinds

Heating

  • Heating features: Electric

Interior Area

  • Total interior livable area: 952 sqft

Kitchen

  • Area: 212.5

Living Room

  • Area: 206.25

Master Bedroom

  • Area: 168.75

Property

Details

  • Parcel number: 01202201700

Features

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

Lot

  • Lot size: 1.13 Acres

Parking

  • Parking features: No Garage Or Carport

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 WaveModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Cold Wave
Tsunami

FEMA Declared Disasters in Charlevoix 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 $1,415$16,980
Home Insurance *$69$828
Property Taxes $447$5,364
Electricity $188$2,259
Total$2,119$25,428
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$72,651/yr
40% on housing$63,570/yr
45% on housing$56,506/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: 5.9%
5.9%
0%30.0%
Electricity Growth Rate10-year average: 3.9%
3.9%
0%15.0%
Property Taxes Growth Rate2-year average: 0.4%
0.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$294This listing

vs Other Active Listings

Avg $/sqft

ZIP 49782$238
Charlevoix County$288

vs Homes Sold Last Month

Median $/sqft

ZIP 49782
Charlevoix County$293

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
2026-07-24Listed for sale$280,000
2024-08-26Listing removed--
2024-07-01Listed for sale$225,000
2024-05-02Listing removed--
2024-01-08Listing removed$170,000
2023-12-30Listed for sale$170,000
2023-10-30Listing removed$225,000
2023-10-20Listed for sale$225,000
2012-08-08Listing removed$125,000
2012-07-06Listed for sale$125,000
2011-06-19Listing removed$155,000
2011-05-12Listed for sale$155,000

For Sale by Agent

AgentHeather K Robinson-Sleutel
BrokerageBay North - Beaver Island

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