25881 Carlisle Rd W, Beaver Island, MI, 49782
About This Home
The Duncan Home 25881 - Carlisle Road- Just outside of Beaver Harbor A beautiful 3 bedroom, 2 bathroom, 2 level home with 2880 sq. ft. of finished living area. This home is on 167.42 feet of Lake Frontage just outside of Beaver Harbor, looking back in to the Harbor. This house has an absolutely open view of the entrance to Beaver Harbor. The old Coast Guard Station and Harbor Light are right across from it and all of Gull Harbor, part of Garden Island, all of Hog Island, the boat channel bell buoy and part of the town of St. James make a breathtaking view. (From inside the house you can see about one-quarter of the town area; from out on the deck about one-half of it and on the beach all of the buildings on Main Street of St. James.) Enjoy sunrises and moonrises over the water. This 2.380 acre parcel is in a very secluded, very quiet area and yet you feel you are “in town”. The center of St. James is just under 1.5 miles from the house by car of bicycle. There is a large master bedroom upstairs with a ¾ bath (large shower). The totally finished walk out basement also has all glass on the lake side. In this lower level there are two bedrooms with one full bath. A very large “family room” in this lower level has glass walk-out doors. There are multiple closets and utility and storage areas (on both levels). The house has a drive-in, attached garage with an entry door into the kitchen area. The roof was replaced with 50 year shingles in 2021. The greatest feature of this house is the expansive view of water from the all-glass lakeside of the upper level main room (you feel you are in a boat on the ocean). There is a large lakeside deck. Built as a year-round retirement home, this property would also make an excellent second home for a family, or a wonderful rental. This house on Parcel B-2 comes with an adjacent 2.388 Parcel B-1 with 164.01 feet of frontage. (A total of 331.43 feet of sandy beach frontage and 4.77 Acres). Priced to sell at only $760,000.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1995
Materials
- Construction materials: Wood Frame/Site Built
Type & Style
- Home type: SingleFamily
Interior
Appliances
- Appliances included: Dishwasher,Refrigerator,Washer,Dryer,Range
Basement
- Has basement: Yes
- Basement: Full,Finished
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 2
Features
- Cathedral Ceiling(s)
Heating & Cooling
- Heating features: Electric Baseboard
- Cooling features: Ceiling Fan(s)
Interior Area
- Total interior livable area: 2,880 sqft
Property
Details
- Parcel number: 01322603520
Features
- Levels: Two Or More
- On waterfront: Yes
- Waterfront features: Waterfront
Parking
- Parking features: Attached Garage
- Has garage: Yes
- Covered spaces: 1.5
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
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters in Charlevoix 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 | $3,008 | $36,096 |
| Home Insurance * | $148 | $1,776 |
| Property Taxes | $416 | $4,992 |
| Electricity | $314 | $3,769 |
| Total | $3,886 | $46,632 |
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 |
|---|---|---|
| 2026-05-04 | Listed for sale | $760,000 |
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