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25160 Upper Point Mills Rd, Hancock, MI, 49930

5beds
5baths
3,175sqft
$899,000
$283price/sqft
$6,083/moest. monthly cost
$243,320/yrincome needed

About This Home

This is an incredible estate offering the rare combination of substantial acreage, private waterfront, and remarkable recreational amenities. With an estimated 943 feet of Torch Lake frontage, this property provides the best of both worlds: the privacy and space of a large acreage setting with direct access to one of the area’s most desirable inland waterways. Torch Lake connects to Portage Lake and Lake Superior, expanding the possibilities for boating and waterfront enjoyment. *** Privacy is a defining feature of the property. No homes are visible from the house or the waterfront. The waterfront area is accessed by a private two-track road that is drivable with most 4x4 or equivalent vehicles. At the lakeshore, you’ll find a lake cabin, permanent dock, rustic sauna, and fire pit area. Utilities are not currently installed at the waterfront portion. *** The land itself is beautifully varied, with hardwoods, two scenic valleys, a year-round creek approximately four feet wide, and a level field area. Outdoor amenities include a fenced saltwater pool, wood-fired sauna, dirt bike track, disc golf course, playground, extensive landscaping, concrete walkways, and multiple firepit areas. *** The handcrafted log home offers a cozy feel, character, and functionality throughout. The main level features a primary bedroom with a ¾ ensuite bath, a gas fireplace positioned between the kitchen and dining areas, and a kitchen with a vented hood. Each second-level bedroom includes its own ensuite bath, including one ½ bath and one ¾ bath. *** The lower level adds excellent flexibility with a three-sided climbing wall, a comfortable office area, and two smaller bedrooms that are ideal for children, guests, or overflow sleeping space. *** Additional improvements include a 30x40 pole building for tractor, equipment, and recreational storage. There is potential to subdivide off lake lots, the cabin, or other portions of the property to help reduce the total investment. *** This is a truly unique property for those who do not want to choose between acreage, privacy, and waterfront. Here, you can have it all. 3-D virtual tour and a video tour is available! See MLS# 50218823 for a listing which doesn't include the waterfront acreage.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

Construction

Condition

  • Year built: 2007

Materials

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

Type & Style

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

Interior

Appliances

  • Appliances included: Bar Fridge,Dishwasher,Dryer,Microwave,Range/Oven,Refrigerator,Washer,Water Softener Owned,Gas Water Heater
  • Laundry features: Laundry Room,In Basement

Basement

  • Has basement: Yes
  • Basement: Block,Daylight,Finished,Full,Exterior Entry,Walk-Out Access

Bathroom

  • Features: Not Applicable

Bathroom1

  • Features: Concrete
  • Level: First
  • Area: 20

Bathroom2

  • Features: Tile
  • Level: First
  • Area: 30

Bathroom3

  • Features: Luxury Vinyl
  • Level: Second
  • Area: 40

Bathroom4

  • Level: Basement

Bedroom1

  • Features: Luxury Vinyl
  • Level: First
  • Area: 120

Bedroom2

  • Features: Wood
  • Level: Second
  • Area: 238

Bedroom3

  • Features: Luxury Vinyl
  • Level: Basement
  • Area: 85

Bedroom4

  • Features: Luxury Vinyl
  • Level: Basement
  • Area: 112

Bedroom5

  • Level: Basement

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 5
  • Full bathrooms: 4
  • 1/2 bathrooms: 1

Dining Room

  • Level: First
  • Area: 132

Features

  • Cathedral/Vaulted Ceiling,Walk-In Closet(s),Pantry,Eat-in Kitchen
  • Flooring: Wood,Concrete
  • Number of fireplaces: 1
  • Fireplace features: Gas,Living Room
  • Fireplace: Yes
  • Finished area below ground: 1,208
  • Finished area above ground: 1,967

Heating & Cooling

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

Interior Area

  • Total structure area: 3,266
  • Total interior livable area: 3,175 sqft

Kitchen

  • Level: First
  • Area: 273

Living Room

  • Features: Luxury Vinyl
  • Level: First
  • Area: 270

Master Bedroom

  • Level: First

Office

  • Level: Second
  • Area: 154

Property

Details

  • Parcel number: 01438500820, 31014385007
  • Zoning: None
  • Zoning description: Other
  • Special condition: Private,Standard

Features

  • Levels: One and One Half
  • Stories: 1
  • Private pool: Yes
  • Pool features: In Ground,Outdoor Pool
  • Patio & porch: Deck,Patio
  • Exterior features: Garden
  • Has view: Yes
  • View description: Water,Bay,Lake,Rural View
  • Has water view: Yes
  • Water view: Water,Bay,Lake
  • On waterfront: Yes
  • Waterfront features: All Sports Lake,Creek/Stream/Brook,Lake Front,Lake/River Access,Waterfront,Beach Access,Interior Lake
  • Waterbody name: Torch Lake
  • Frontage length: 943

Lot

  • Lot size: 34 Acres
  • Features: Deep Lot - 150+ Ft.,Wooded,Rural,Sloped
  • Lot size dimensions: Irregular

Parking

  • Total spaces: 2
  • Parking features: 2 Spaces,Garage,Attached,Electric in Garage,Garage Door Opener,Direct Access
  • 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

  • Winter Weather
    Winter WeatherVery High
  • Cold Wave
    Cold WaveRelatively High
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Winter Weather
Cold Wave
Hail
Inland Flooding
Lightning
Tsunami

FEMA Declared Disasters in Houghton 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 $4,545$54,540
Home Insurance *$346$4,152
Property Taxes $846$10,152
Electricity $346$4,155
Total$6,083$72,996
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$208,560/yr
40% on housing$182,490/yr
45% on housing$162,213/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: 7.9%
7.9%
0%30.0%
Electricity Growth Rate10-year average: 3.9%
3.9%
0%15.0%
Property Taxes Growth Rate2-year average: 1.3%
1.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$283This listing

vs Other Active Listings

Avg $/sqft

ZIP 49930$130
Houghton County$156

vs Homes Sold Last Month

Median $/sqft

ZIP 49930$174
Houghton County$106

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
2026-08-17Price change$599,000
2026-07-07Listed for sale$899,000
2022-12-04Listing removed$583,000
2022-08-04Price change$583,000
2022-07-15Listed for sale$595,000
2022-06-14Contingent$595,000
2022-06-06Listed for sale$595,000
2002-05-01Sold$12,000

For Sale by Agent

AgentADAM TAIVALKOSKI
BrokerageSAVU REALTY

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