3676 Cliffs Dr, Petoskey, MI, 49770
About This Home
Experience the best of Bay Harbor living at 3672 Cliffs Drive, a four-bedroom, three-full-bath condominium located within the private, gated Cliffs at Bay Harbor Association. Multiple balconies overlook Lake Michigan, providing beautiful water views and inviting spaces to relax, entertain, and enjoy Northern Michigan’s spectacular sunsets. The thoughtfully designed residence offers generous room for family and guests, making it an ideal year-round home or four-season retreat. Association amenities include full-time on-site management and a private clubhouse with an indoor swimming pool and hot tub. This exceptional location places you close to the Bay Harbor Yacht Club, Marina District, Great Lakes Center for the Arts, dining, shopping, boating, golf, beaches, and year-round recreation. Petoskey, Harbor Springs, Boyne City, and Charlevoix are all within convenient reach, offering endless opportunities to explore the best of Northern Michigan. Enjoy privacy, comfort, resort-style amenities, and an outstanding Lake Michigan setting in one of Bay Harbor’s most desirable communities.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 2000
Materials
- Construction materials: Wood Frame/Site Built
Type & Style
- Home type: Condo
- Property subType: Condominium
Interior
Appliances
- Appliances included: Dishwasher,Disposal,Refrigerator,Washer,Dryer,Range
Basement
- Has basement: Yes
- Basement: Walk-Out Access
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 3
- Full bathrooms: 3
Features
- Flooring: Wood
- Fireplace features: Gas
- Fireplace: Yes
Heating & Cooling
- Heating features: Natural Gas,Forced Air
- Cooling features: Central Air
Interior Area
- Total interior livable area: 2,908 sqft
Property
Details
- Parcel number: 521802365197
Features
- Levels: Two Or More
- Private pool: Yes
- Pool features: Pool
- Patio & porch: Deck,Patio
Lot
- Features: Paved,Sprinkler System
Parking
- Parking features: Attached Garage
- Has garage: Yes
- Covered spaces: 1
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
- Lightning
- Hail
- Inland Flooding
- Strong Wind
- Tornado
- Winter Weather
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters in Emmet 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 | $8,596 | $103,152 |
| Home Insurance * | $939 | $11,268 |
| Property Taxes | $1,161 | $13,932 |
| Electricity | $317 | $3,806 |
| Total | $11,013 | $132,156 |
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 |
|---|---|---|
| 2026-07-23 | Listed for sale | $1,700,000 |
View on Zillow