8658 W Black Ln, Cheboygan, MI, 49721
About This Home
Welcome to your slice of Northern Michigan waterfront living on the Black River, where every day begins and ends with the rhythm of the water. Imagine stepping out from your main-level primary suite onto your private deck, coffee in hand, as the river quietly flows by. Just beyond, your boat waits at the permanent dock--ready for a spontaneous cruise along the Inland Waterway. Within minutes, you can be docking for dinner or drinks at Hack-Ma-Tack Inn or Pier M33, or simply exploring miles of scenic shoreline right from your backyard. Inside, the home is just as inviting. Fresh interior paint, new flooring, and updated light fixtures create a bright, clean, and stylish atmosphere throughout. The kitchen features modern appliances, offering a space that is both functional and beautifully updated for everyday living or entertaining. Designed with convenience in mind, the home offers a main-floor primary bedroom with direct deck access, along with first-floor laundry for easy living. A remodeled half bath and a new washer and dryer add to the list of thoughtful updates. Outdoors, two spacious walkout decks provide the perfect setting for gathering, relaxing, and taking in the peaceful riverfront setting. Whether you're fishing off the dock, swimming on a warm summer day, or heading out for an evening boat ride, this property is all about making the most of Northern Michigan's waterfront lifestyle. Centrally located and perfectly positioned on the Black River, this home offers the ideal balance of comfort, style, and access. Currently used as a vacation rental, it also offers income potential if desired. Furnishings may be available for purchase, making this an easy transition to start enjoying right away.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1985
Materials
- Foundation: Basement
Type & Style
- Home type: SingleFamily
- Architectural style: Ranch
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Water Heater,Range/Oven,Refrigerator,Dryer,Dishwasher
- Laundry features: Main Level
Basement
- Has basement: Yes
- Basement: Full,Finished,Walk-Out Access
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 3
- Full bathrooms: 2
- 1/2 bathrooms: 1
Features
- Ceiling Fan(s)
- Door features: Doorwall
- Flooring: Laminate
- Finished area above ground: 1,236
Heating
- Heating features: Baseboard,Hot Water,Natural Gas,Wood Stove
Interior Area
- Total structure area: 2,472
- Total interior livable area: 2,472 sqft
Master Bedroom
- Level: First
Property
Details
- Parcel number: 105B0600001100
Features
- Patio & porch: Deck
- On waterfront: Yes
- Waterfront features: Inland Waterway
- Waterbody name: Black River
Lot
- Lot size: 1.03 Acres
- Lot size dimensions: 104 x 350 x 90 x 300
Parking
- Parking features: Garage
- Has garage: 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
- Inland Flooding
- Lightning
- Winter Weather
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters in Cheboygan 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 | $3,235 | $38,820 |
| Home Insurance * | $393 | $4,716 |
| Property Taxes | $463 | $5,556 |
| Electricity | $269 | $3,235 |
| Total | $4,360 | $52,320 |
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 |
|---|---|---|
| 2026-05-01 | Price change | $649,900 |
| 2025-08-26 | Listed for sale | $650,000 |
| 2023-10-31 | Sold | $460,000 |
| 2023-05-26 | Listed for sale | $525,000 |
| 2022-11-02 | Listing removed | -- |
| 2022-08-04 | Listed for sale | $525,000 |
| 2021-02-06 | Listing removed | -- |
| 2019-09-26 | Listing removed | $295,000 |
| 2019-05-28 | Listing removed | $1,500 |
| 2019-05-24 | Listed for sale | $295,000 |
| 2019-05-17 | Listed for rent | $1,500 |
| 2018-04-24 | Sold | $220,000 |
| 2014-10-31 | Listing removed | $239,000 |
| 2014-04-30 | Listed for sale | $239,000 |
| 2013-12-11 | Listing removed | $239,000 |
| 2013-08-01 | Listed for sale | $239,000 |
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