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6802 Mount Vernon Hills Dr, Vanderbilt, MI, 49795

5beds
4baths
4,196sqft
$559,000
$133price/sqft
$4,364/moest. monthly cost
$174,560/yrincome needed

About This Home

Over 4,000 square feet on 4+ wooded acres just outside Gaylord, with convenient access to town in under 15 minutes. This Mt. Vernon Hills property offers space, privacy, and a true dual-living setup with a full kitchen in the walkout lower level—ideal for extended family or guests. Vaulted ceilings, two fireplaces, and open gathering areas create a comfortable, functional layout. Recent updates include a whole-home generator, newer AC, water heater, dual-zoned furnace, water filtration system, in-ground sprinkler system, and more. Set on over 4 acres with hillside views and a heated three-car garage, this is a rare opportunity for space and flexibility. Schedule your private showing today.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
19
BikeSomewhat Bikeable

Schools

7/10
Vanderbilt Area SchoolGrades K-122.8 mi

Construction

Materials

  • Construction materials: Brick,Wood Frame/Site Built

Type & Style

  • Home type: SingleFamily

Interior

Appliances

  • Appliances included: Built-in Microwave,Dishwasher,Refrigerator,Washer,Dryer,Range

Basement

  • Has basement: Yes
  • Basement: Full,Walk-Out Access,Finished

Bedroom

  • Area: 172.20000000000002

Bedroom1

  • Area: 149.6

Bedroom2

  • Area: 194.58

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Dining Room

  • Area: 103.84000000000002

Family Room

  • Area: 565.6

Features

  • Cathedral Ceiling(s)
  • Fireplace features: Gas
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Forced Air,LP Gas
  • Cooling features: Ceiling Fan(s),Central Air

Interior Area

  • Total interior livable area: 4,196 sqft

Kitchen

  • Area: 276.04

Living Room

  • Area: 604.8

Master Bedroom

  • Area: 304.56

Property

Details

  • Parcel number: 04312500001500

Features

  • Patio & porch: Deck

Lot

  • Lot size: 4.15 Acres
  • Features: Paved,Sprinkler System,Near Snowmobile Trails

Parking

  • Parking features: Attached Garage
  • Has garage: Yes
  • Covered spaces: 3

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

  • Cold Wave
    Cold WaveRelatively High
  • Hail
    HailRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

Cold Wave
Hail
Lightning
Strong Wind
Inland Flooding

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 $2,826$33,912
Home Insurance *$267$3,204
Property Taxes $814$9,768
Electricity $457$5,492
Total$4,364$52,368
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$149,622/yr
40% on housing$130,920/yr
45% on housing$116,373/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

$133This listing

vs Other Active Listings

Avg $/sqft

ZIP 49795$86
Otsego County$204

vs Homes Sold Last Month

Median $/sqft

ZIP 49795
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
2026-04-03Price change$599,000
2026-02-26Listed for sale$619,900
2026-02-05Listing removed$619,900
2025-11-10Price change$619,900
2025-09-18Listed for sale$629,900
2020-07-09Sold$328,600
2020-07-08Pending sale$333,000
2020-03-17Listed for sale$333,000

For Sale by Agent

AgentChristopher Eckerman
BrokerageColdwell Banker Schmidt - Petoskey

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