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4779 Beechwood Ave, Gaylord, MI, 49735

2beds
2baths
1,800sqft
$758,200
$421price/sqft
$5,221/moest. monthly cost
$208,840/yrincome needed

About This Home

Step into your private waterfront retreat on beautiful Otsego Lake! This exceptional property offers 66 feet of prime frontage on one of Northern Michigan's premier all-sports lakes, along with a spacious 1,800-square-foot home, plus an additional .65 acre wooded lot directly across the road. Together, these two parcels provide endless possibilities for year-round living, a vacation getaway, or an outstanding investment opportunity. This location truly shines during the summer months. Enjoy front-row views of the annual Fourth of July fireworks all from the comfort of your own backyard and deck. And the home's stunning sunrise views create a serene backdrop you'll never tire of. Outdoor enthusiasts will appreciate the included dock, swim platform, and boat hoist, so you're ready to enjoy lake life from day one. The property also features a large sandy beach area, a built-in fire pit, and a premium Bullfrog hot tub for year-round relaxation and entertainment. The home has been thoughtfully updated with numerous recent improvements, including a newer roof installed in 2025. Additional features include an oversized two-car garage, storage shed, privacy fencing, mature landscaping, and versatile upstairs bonus rooms that can be customized to suit your needs, whether for additional bedrooms, office space, recreation, or storage. Just Own It!

Getting Around

24
WalkingCar-Dependent
0
TransitVery Limited Transit
31
BikeSomewhat Bikeable

Schools

6/10
6/10
Gaylord Middle SchoolGrades 7-84.4 mi
7/10

Construction

Materials

  • Construction materials: Wood Frame/Site Built

Type & Style

  • Home type: SingleFamily

Interior

Appliances

  • Appliances included: Refrigerator,Washer,Dryer,Range

Bedroom

  • Area: 107.1

Bedrooms & Bathrooms

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

Interior Area

  • Total interior livable area: 1,800 sqft

Kitchen

  • Area: 208.518

Living Room

  • Area: 360.318

Master Bedroom

  • Area: 219.2

Property

Details

  • Parcel number: 01137000001700

Features

  • Patio & porch: Deck,Patio
  • Exterior features: Dock
  • Spa features: Hot Tub
  • On waterfront: Yes
  • Waterfront features: Waterfront

Parking

  • Parking features: Detached Garage
  • Has garage: Yes
  • Covered spaces: 2.5

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
    LightningVery High
  • Cold Wave
    Cold WaveRelatively High
  • Hail
    HailRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Lightning
Cold Wave
Hail
Strong Wind
Tornado

FEMA Declared Disasters in Otsego 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 $3,833$45,996
Home Insurance *$382$4,584
Property Taxes $810$9,720
Electricity $196$2,356
Total$5,221$62,652
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$179,005/yr
40% on housing$156,630/yr
45% on housing$139,226/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: -2.8%
-2.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$421This listing

vs Other Active Listings

Avg $/sqft

ZIP 49735$221
Otsego County$198

vs Homes Sold Last Month

Median $/sqft

ZIP 49735
Otsego County$131

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
2026-07-28Price change$758,200
2026-07-15Price change$769,000
2026-07-03Listed for sale$779,000

For Sale by Agent

AgentSamuel Bowman
BrokeragePat O'Brien & Associates - Boyne City

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