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6301 Rock Rd, Lake, MI, 48632

4beds
2baths
1,920sqft
$275,000
$143price/sqft
$2,101/moest. monthly cost
$84,040/yrincome needed

About This Home

Your Waterfront Oasis Awaits on All-Sports Bluff Lake~ Experience the perfect lakefront tranquility in this stunning 4-bedroom, 2-full bath home. Boasting over 1,500 sq. ft. of curated living space and over 70 feet of prime sandy frontage, this property is the ultimate four-season retreat or income producing vacation rental property. The Heart of the Home starts in the open-concept main level designed for entertaining. The seamless flow between the living, kitchen, and dining areas is accentuated by rich wood flooring running throughout featuring quality wood cabinetry, live edge countertops, and sleek newer appliances. The Peninsula overlooks the living room where you can enjoy lake views or enjoy your favorite films and shows. The main floor also offers two bedrooms and a full bathroom. The thoughtful layout ensures privacy and comfort for guests and large families alike, The walk-out Lower Level has two generous bedrooms featuring two bunk beds in one room and a king bed in the other and a shared full bathroom. Unmatched Outdoor Living whether you're hosting a summer BBQ or enjoying a quiet morning coffee, the outdoor spaces are designed to impress. Relax on the large balcony-style deck and take in panoramic views of Bluff Lake or enjoy the covered poured patio leading to the firepit area, perfect for lakeside s'mores and bonfires. Waterfront Fun starts at the sandy beach area with a private dock, ideal for launching kayaks, swimming, or mooring your boat on this premier all-sports lake. No lake house is complete without room for the toys! This property includes a massive 20' x 40' atttached garage providing ample space for boats, ATVs, and workshop projects. This amazing property has it all and all furnishings are included with a number of bookings for the rest of summer and fall for immediate income. Don't wait and schedule your private showing today!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
18
BikeSomewhat Bikeable

Schools

4/10
Farwell Elementary SchoolGrades PK-35.5 mi
7/10
Farwell High SchoolGrades 8-125.6 mi
4/10
Farwell Middle SchoolGrades 4-75.7 mi

Construction

Condition

  • Year built: 1992

Materials

  • Foundation: Basement,Block
  • Construction materials: Wood Siding

Notable Dates

  • Major remodel year: 2024

Type & Style

  • Home type: SingleFamily
  • Architectural style: Cottage
  • Property subType: Single Family Residence

Interior

Basement

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

Bedroom

  • Level: Basement
  • Area: 187
  • Dimensions: 17 X 11

Bedroom

  • Level: Basement
  • Area: 108
  • Dimensions: 12 X 9

Bedroom

  • Level: Basement
  • Area: 121
  • Dimensions: 11 X 11

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Finished area below ground: 960
  • Finished area above ground: 960

Heating

  • Heating features: Baseboard,Electric

Interior Area

  • Total interior livable area: 1,920 sqft

Kitchen

  • Level: Entry
  • Area: 135
  • Dimensions: 15 X 9

Laundry

  • Level: Basement
  • Area: 56
  • Dimensions: 7 X 8

Living Room

  • Level: Entry
  • Area: 315
  • Dimensions: 21 X 15

Other

  • Level: Entry

Other

  • Level: Basement

Other

  • Level: Entry
  • Area: 144
  • Dimensions: 24 X 6

Primary Bedroom

  • Level: Entry
  • Area: 144
  • Dimensions: 12 X 12

Property

Details

  • Parcel number: 01302540007
  • Special condition: Short Sale No,Standard

Features

  • Levels: One
  • Stories: 1
  • Entry location: GroundLevelwSteps
  • Pool features: None
  • On waterfront: Yes
  • Waterfront features: Lake Front,Private Water Frontage,Shared Water Frontage
  • Waterbody name: Bluff Lake

Lot

  • Lot size: 10,018 sqft
  • Lot size dimensions: 60.5 x 200 x 254 x 50

Parking

  • Total spaces: 2
  • Parking features: Two Car Garage,Attached
  • Has garage: Yes
  • Attached garage 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
    Strong WindVery High
  • Winter Weather
    Winter WeatherVery High
  • Cold Wave
    Cold WaveRelatively High
  • Lightning
    LightningRelatively High
  • Hail
    HailModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Strong Wind
Winter Weather
Cold Wave
Lightning
Hail
Tornado

FEMA Declared Disasters in Clare 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 $1,390$16,680
Home Insurance *$276$3,312
Property Taxes $226$2,712
Electricity $209$2,513
Total$2,101$25,212
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$72,034/yr
40% on housing$63,030/yr
45% on housing$56,026/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: 5.3%
5.3%
0%30.0%
Electricity Growth Rate10-year average: 3.9%
3.9%
0%15.0%
Property Taxes Growth Rate2-year average: 4.1%
4.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$143This listing

vs Other Active Listings

Avg $/sqft

ZIP 48632$139
Clare County$140

vs Homes Sold Last Month

Median $/sqft

ZIP 48632
Clare County$113

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
2026-07-06Listed for sale$275,000
2016-06-02Sold$64,900
2016-05-21Listed for sale$69,900
2015-12-17Listing removed$79,900
2015-07-06Listed for sale$79,900
2012-06-22Listing removed$100,000
2011-06-23Listed for sale$100,000

For Sale by Agent

AgentJoseph Hammel
BrokerageKeller Williams Somerset

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