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2500 Bluff Dr, Reading, MI, 49274

2beds
1baths
1,100sqft
$325,000
$295price/sqft
$2,250/moest. monthly cost
$90,000/yrincome needed

About This Home

ALL REASONABLE OFFERS CONSIDERD 160' of lake frontage on Carpenter Lake in Reading! Cottage rebuilt 2023 new poured foundation and slab. Carpenter Lake is approximately 33 acres of a No Wake lake that is connected and accessible to All Sports Hemlock Lake. Also connected to all sports Long lake but only accesible with kayak or small fishing boat do to low bridge. Newer well (2010) Storage shed included. This is an awesome opportunity to own lake front property to be enjoyed for years to come!(8472)

Getting Around

9
WalkingCar-Dependent
0
TransitVery Limited Transit
26
BikeSomewhat Bikeable

Schools

6/10
5/10
Reading High SchoolGrades 7-124.4 mi

Construction

Materials

  • Roof: Metal

Type & Style

  • Home type: SingleFamily

Interior

Appliances

  • Appliances included: Range / Oven,Refrigerator

Basement

  • Basement: None

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • Flooring: Concrete

Heating & Cooling

  • Heating features: Other,Electric
  • Cooling features: Wall

Interior Area

  • Total interior livable area: 1,100 sqft

Property

Details

  • Parcel number: 10050001119

Features

  • Exterior features: Wood
  • Has view: Yes
  • View description: Water
  • Has water view: Yes
  • Water view: Water
  • On waterfront: Yes
  • Waterfront features: Lake
  • Waterbody name: Carpenter Lake
  • Frontage type: Waterfront
  • Frontage length: 187.00

Lot

  • Lot size: 0.40 Acres

Parking

  • Total spaces: 10
  • Parking features: Off-street

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 $1,643$19,716
Home Insurance *$173$2,076
Property Taxes $246$2,952
Electricity $188$2,259
Total$2,250$27,000
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$77,142/yr
40% on housing$67,500/yr
45% on housing$60,000/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

$295This listing

vs Other Active Listings

Avg $/sqft

ZIP 49274$148
Hillsdale County$163

vs Homes Sold Last Month

Median $/sqft

ZIP 49274$199
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
2026-06-11Price change$325,000
2026-05-25Listed for sale$350,000
2019-09-13Sold$50,000
2019-08-28Pending sale$54,900
2019-08-21Listed for sale$54,900

For Sale by Owner

AgentProperty Owner

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