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9267 Lake Dr, Reed City, MI, 49677

1beds
1baths
645sqft
$225,000
$349price/sqft
$1,636/moest. monthly cost
$65,440/yrincome needed

About This Home

Escape to the lake and enjoy the charm of this cozy waterfront cottage on beautiful all-sports Todd Lake. With level lake frontage and sweeping water views, this property offers the perfect setting for relaxing weekends, summer gatherings, or year-round enjoyment. Take in the stunning lake views from the inviting sleeping porch or spacious deck--ideal spots for morning coffee, afternoon reading, or watching the sunset over the water. The property features ample parking for family and guests, making entertaining easy. Recent updates provide peace of mind, including updated plumbing and electrical systems, a newer roof, and newer floorboards. Some furnishings are negotiable, offering an opportunity to move right in and start enjoying lake life. Whether you're looking for a vacation retreat, investment property, or a cozy lakeside getaway, this Todd Lake cottage is ready to welcome you.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
23
BikeSomewhat Bikeable

Schools

5/10
Leroy Elementary SchoolGrades PK-36.2 mi
5/10
Pine River Middle SchoolGrades 4-78.2 mi
5/10
Pine River High SchoolGrades 8-128.2 mi

Construction

Materials

  • Construction materials: Wood Siding

Type & Style

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

Interior

Appliances

  • Laundry features: None

Basement

  • Basement: Crawl Space

Bedrooms & Bathrooms

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

Heating

  • Heating features: Wall Furnace

Interior Area

  • Total structure area: 645
  • Total interior livable area: 645 sqft

Property

Details

  • Parcel number: 0864000200

Features

  • Stories: 1
  • On waterfront: Yes
  • Waterfront features: Lake
  • Waterbody name: Todd Lake

Lot

  • Lot size: 0.26 Acres
  • Lot size dimensions: 50 x 100

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
  • Strong Wind
    Strong WindRelatively High
  • Cold Wave
    Cold WaveModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Winter Weather
Strong Wind
Cold Wave
Lightning

FEMA Declared Disasters in Osceola 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 $1,137$13,644
Home Insurance *$141$1,692
Property Taxes $170$2,040
Electricity $188$2,259
Total$1,636$19,632
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$56,091/yr
40% on housing$49,080/yr
45% on housing$43,626/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: 5.0%
5.0%
0%30.0%
Electricity Growth Rate10-year average: 3.9%
3.9%
0%15.0%
Property Taxes Growth Rate2-year average: 4.0%
4.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$349This listing

vs Other Active Listings

Avg $/sqft

ZIP 49677$113
Osceola County$191

vs Homes Sold Last Month

Median $/sqft

ZIP 49677
Osceola County$152

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
2026-08-02Price change$225,000
2026-07-24Price change$232,000
2026-07-14Listed for sale$238,000
2026-07-07Contingent$238,000
2026-07-05Listed for sale$238,000
2026-07-02Contingent$238,000
2026-06-02Listed for sale$238,000
2023-10-25Sold$215,000
2023-10-06Pending sale$209,900
2023-10-02Contingent$209,900
2023-09-26Listed for sale$209,900
2016-04-19Sold$75,000

For Sale by Agent

AgentSusan Bean
BrokerageBig Rapids Realty

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