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7901 Topinabee Dr, Montgomery, MI, 49255

2beds
1baths
996sqft
$229,000
$230price/sqft
$1,783/moest. monthly cost
$71,320/yrincome needed

About This Home

Welcome to your ideal waterfront retreat! This charming 2 bedroom, 1 bath home offers single level living with a detached 2 car garage, perfectly situated on a peaceful channel with private frontage and your own dock. A pontoon boat is included, making it easy to start enjoying lake life right away. Inside, you will find a functional layout that includes an additional room, perfect for a bunk room, home office, or dining space, along with a dedicated laundry room for added convenience. The primary bedroom features two closets, providing ample storage. Stay comfortable year round with a forced air furnace and central air conditioning, and enjoy peace of mind knowing the roof is only 3 years old. Step through the sliding glass door to a spacious back deck where you can take in the amazing scenery and serene water views. The property is located in a quiet neighborhood with no homes currently on either side, offering extra privacy. With access to four lakes, Riebeck Lake, Little Riebeck Lake, Turner Lake, and Mead Lake, you will have endless opportunities for boating, relaxation, and exploration. Fishing is excellent both in the channel and at the nearby lakes, making this a great spot for anglers. Whether you are looking for a year round residence or a seasonal cottage getaway, this property has it all. Contact me today to make this waterfront escape your own!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
14
BikeSomewhat Bikeable

Schools

6/10
5/10
Reading High SchoolGrades 7-123.8 mi

Construction

Condition

  • Year built: 1964

Materials

  • Roof: Composition
  • Construction materials: Vinyl Siding,Wood Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dryer,Range,Refrigerator,Washer
  • Laundry features: Laundry Room,Main Level

Basement

  • Basement: Crawl Space

Bedroom2

  • Level: Main

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1
  • Main level bedrooms: 2

Bonus Room

  • Level: Main

Features

  • Ceiling Fan(s)
  • Window features: Replacement,Garden Window,Window Treatments
  • Flooring: Carpet,Vinyl

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 996
  • Total interior livable area: 996 sqft

Kitchen

  • Level: Main

Laundry

  • Level: Main

Living Room

  • Level: Main

Master Bathroom

  • Level: Main

Master Bedroom

  • Level: Main

Property

Details

  • Parcel number: 10180001008

Features

  • Stories: 1
  • On waterfront: Yes
  • Waterfront features: Channel,Lake
  • Waterbody name: Riebeck Lake

Lot

  • Lot size: 0.32 Acres
  • Features: Recreational,Ground Cover
  • Lot size dimensions: Irregular

Parking

  • Total spaces: 2
  • Parking features: Garage Faces Front,Garage Door Opener,Detached
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered 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

  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Lightning
Strong Wind
Tornado
Cold Wave
Hail
Inland Flooding
Ice Storm
Winter Weather

FEMA Declared Disasters in Hillsdale 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 $1,157$13,884
Home Insurance *$118$1,416
Property Taxes $320$3,840
Electricity $188$2,259
Total$1,783$21,396
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$61,131/yr
40% on housing$53,490/yr
45% on housing$47,546/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: 7.2%
7.2%
0%30.0%
Electricity Growth Rate10-year average: 3.9%
3.9%
0%15.0%
Property Taxes Growth Rate2-year average: 2.6%
2.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$230This listing

vs Other Active Listings

Avg $/sqft

ZIP 49255$131
Hillsdale County$164

vs Homes Sold Last Month

Median $/sqft

ZIP 49255$203
Hillsdale County$159

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
2026-05-05Price change$259,900
2026-04-25Listed for sale$265,000
2011-10-17Sold$64,900
2004-03-16Sold$92,000

For Sale by Agent

AgentGrace Roberts Elevate Team
BrokerageMichigan Top Producers

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