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35685 S Charles Rd, Drummond Island, MI, 49726

5beds
6baths
4,879sqft
$1,695,000
$347price/sqft
$11,694/moest. monthly cost
$467,760/yrincome needed

About This Home

Drummond Island home on the shores of Lake Huron was built by the owner in 2003. The property features 5-bedrooms and 5.5-bathrooms, along with a spacious office that offers lake views. The gourmet kitchen is equipped with high-end appliances and includes a walk-in pantry. Inside, you'll find hardwood floors, cathedral ceilings, and central air throughout. Two primary bedroom suites are conveniently located on the main level, complemented by a cozy family or TV room that could also serve as an extra bedroom space. The striking great room anchors the main living area, complete with a majestic wood-burning fireplace. A sun room off the kitchen allows for additional natural light and relaxation. The lower walkout level hosts a large guest bedroom and full bath, as well as a billiards room and a workout room featuring a sauna. An additional stunning fireplace graces the living space on this level. For storage, there are two large areas housing two forced air furnaces and plenty of room for outdoor equipment. The exterior boasts a protected boat well, approximately 8-10 feet in depth, ideal for your yacht or sailboat, along with a 3-car attached garage and a 30x40 pole barn. This home is conveniently located near snowmobile trails and is set off a paved road with a paved driveway. The lush lawn has irrigation, and the home has two central air units. Drummond Island is a unique area, with a focus on boating, golfing, hiking, scuba diving, snowmobiling, and off-roading. With over 60 miles of riding trails, and 36 inland lakes on the island, this is a paradise for the nature-lover. Drummond Island is located at the tip of the Eastern Upper Peninsula, with boating access to the North Channel, Mackinac Island, the Les Cheneaux Islands, Canada.

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
27
BikeSomewhat Bikeable

Schools

3/10
3/10
DeTour High SchoolGrades 7-124.3 mi

Construction

Condition

  • Year built: 2003

Materials

  • Construction materials: Wood Frame/Site Built

Type & Style

  • Home type: SingleFamily

Interior

Appliances

  • Appliances included: Built-in Microwave,Dishwasher,Disposal,Refrigerator,Washer,Dryer,Range

Basement

  • Has basement: Yes
  • Basement: Full,Walk-Out Access,Finished

Bedroom

  • Area: 192

Bedroom1

  • Area: 187

Bedroom2

  • Area: 240

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 6
  • Full bathrooms: 5
  • 1/2 bathrooms: 1

Dining Room

  • Area: 144.5

Family Room

  • Area: 238

Features

  • Cathedral Ceiling(s),Sauna
  • Flooring: Wood
  • Fireplace features: Wood Burning
  • Fireplace: Yes

Heating & Cooling

  • Heating features: LP Gas
  • Cooling features: Ceiling Fan(s),Central Air

Interior Area

  • Total interior livable area: 4,879 sqft

Kitchen

  • Area: 258.06

Living Room

  • Area: 431.20000000000005

Master Bedroom

  • Area: 232.5

Property

Details

  • Parcel number: 00670504000

Features

  • Levels: Two Or More
  • Patio & porch: Deck,Patio
  • Exterior features: Dock
  • On waterfront: Yes
  • Waterfront features: Waterfront

Lot

  • Lot size: 2.19 Acres
  • Features: Paved,Sprinkler System,Near Snowmobile Trails

Parking

  • Parking features: Attached Garage
  • Has garage: Yes
  • Covered spaces: 3

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
  • Inland Flooding
    Inland FloodingModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Winter Weather
Tsunami

FEMA Declared Disasters in Chippewa 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 $8,570$102,840
Home Insurance *$510$6,120
Property Taxes $2,082$24,984
Electricity $532$6,386
Total$11,694$140,328
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$400,937/yr
40% on housing$350,820/yr
45% on housing$311,840/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: 13.8%
13.8%
0%30.0%
Electricity Growth Rate10-year average: 3.9%
3.9%
0%15.0%
Property Taxes Growth Rate2-year average: 0.3%
0.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$347This listing

vs Other Active Listings

Avg $/sqft

ZIP 49726$198
Chippewa County$169

vs Homes Sold Last Month

Median $/sqft

ZIP 49726$196
Chippewa County$119

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)

No zestimate history available

Price History

DateEventPrice
2025-07-31Listed for sale$1,695,000
2001-06-07Sold$300,000

For Sale by Agent

AgentKristin Mcdonald
BrokerageHarbor Sotheby's International Rlty - Harbor Sprgs

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