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5439 Shawnee Rd, Pentwater, MI, 49449

4beds
4baths
3,861sqft
$850,000
$220price/sqft
$5,798/moest. monthly cost
$231,920/yrincome needed

About This Home

Located in the highly desirable Apache Hills Subdivision in Pentwater, this custom-built 4-bedroom, 4-bath home offers upscale living in a peaceful, tranquil wooded setting on a quiet cul-de-sac just two minutes from Lake Michigan. Designed with both comfort and style in mind, this elegant and spacious home provides room for everyone to spread out and feel at home. Features include 3 fireplaces, huge bonus room above the garage, a four-season room, and a private sauna, creating the perfect space to relax after a day on the water. Step outside to enjoy the fire pit area and the natural surroundings that make this property feel like a private retreat. Owners also enjoy access to a private boat launch and Pentwater Lake, perfect for boating, fishing, and enjoying the lake lifestyle. Conveniently located near local shops, restaurants, and amenities, this exquisite home offers the perfect blend of elegance, comfort, and resort-style living in one of the area's most desirable communities. 🌲

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
29
BikeSomewhat Bikeable

Schools

6/10
Pentwater Public SchoolGrades PK-121.8 mi

Construction

Condition

  • Year built: 2004

Materials

  • Roof: Asphalt
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Humidifier,Dishwasher,Disposal,Dryer,Microwave,Oven,Refrigerator,Washer
  • Laundry features: Main Level

Basement

  • Basement: Full

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 4
  • Full bathrooms: 4
  • Main level bedrooms: 1

Features

  • Ceiling Fan(s),Sauna,Center Island,Pantry
  • Window features: Bay/Bow
  • Flooring: Carpet,Ceramic Tile,Vinyl,Wood
  • Number of fireplaces: 3
  • Fireplace features: Gas Log,Living Room
  • Fireplace: Yes
  • Finished area below ground: 953

Heating & Cooling

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

Interior Area

  • Total structure area: 2,908
  • Total interior livable area: 3,861 sqft

Property

Details

  • Parcel number: 00108011700

Features

  • Stories: 2
  • Waterfront features: Lake
  • Waterbody name: Pentwater Lake

Lot

  • Lot size: 0.69 Acres
  • Features: Wooded,Cul-De-Sac,Ground Cover,Shrubs/Hedges
  • Lot size dimensions: 123 x 80 x 136 x 171 x 172

Parking

  • Total spaces: 2
  • Parking features: Garage Faces Side,Garage Door Opener,Attached
  • 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

  • Strong Wind
    Strong WindVery High
  • Winter Weather
    Winter WeatherVery High
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Strong Wind
Winter Weather
Inland Flooding
Lightning
Tsunami

FEMA Declared Disasters in Oceana 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 $4,298$51,576
Home Insurance *$446$5,352
Property Taxes $633$7,596
Electricity $421$5,053
Total$5,798$69,576
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$198,788/yr
40% on housing$173,940/yr
45% on housing$154,613/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: 0.3%
0.3%
0%30.0%
Electricity Growth Rate10-year average: 3.9%
3.9%
0%15.0%
Property Taxes Growth Rate2-year average: -3.1%
-3.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$220This listing

vs Other Active Listings

Avg $/sqft

ZIP 49449$244
Oceana County$202

vs Homes Sold Last Month

Median $/sqft

ZIP 49449
Oceana County$178

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
2026-04-07Listed for sale$975,000

For Sale by Agent

AgentRenee Praay
BrokerageFive Star Real Estate

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