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4804 Big Moose Trl, Gaylord, MI, 49735

4beds
3baths
2,900sqft
$409,000
$141price/sqft
$3,134/moest. monthly cost
$125,360/yrincome needed

About This Home

Private beautifully maintained ranch-style home nestled on over 1.7 acres of peaceful Northern Michigan property in Gaylord. This spacious home offers approximately 2,900 square feet of living space with 4 bedrooms and 3 bathrooms. Open-concept floor plan featuring vaulted ceilings, abundant natural light, hardwood floors throughout, and a stunning floor-to-ceiling stone fireplace that creates a warm and inviting atmosphere. The finished walkout lower level provides additional living space, perfect for guests, recreation, or a home office. Enjoy peaceful mornings on the deck overlooking the surrounding woods, offering the privacy and tranquility Northern Michigan is known for. Complete with an attached 2-car garage, and a detached small barn perfect for a hobby farm enthusiast. It's time to ~ Just Own It!

Getting Around

6
WalkingCar-Dependent
0
TransitVery Limited Transit
22
BikeSomewhat Bikeable

Schools

6/10
6/10
Gaylord Middle SchoolGrades 7-86.3 mi
7/10

Construction

Materials

  • Construction materials: Wood Frame/Site Built

Type & Style

  • Home type: SingleFamily

Interior

Basement

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

Bedroom

  • Area: 155.82

Bedroom1

  • Area: 110

Bedroom2

  • Area: 120

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3

Dining Room

  • Area: 156

Family Room

  • Area: 440

Heating

  • Heating features: Forced Air

Interior Area

  • Total interior livable area: 2,900 sqft

Kitchen

  • Area: 144

Living Room

  • Area: 224.39999999999998

Master Bedroom

  • Area: 152.76000000000002

Property

Details

  • Parcel number: 07102630003018

Parking

  • Parking features: Attached Garage
  • Has garage: Yes
  • 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

  • Lightning
    LightningVery High
  • Cold Wave
    Cold WaveRelatively High
  • Hail
    HailRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Lightning
Cold Wave
Hail
Strong Wind
Inland Flooding
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 $2,068$24,816
Home Insurance *$206$2,472
Property Taxes $544$6,528
Electricity $316$3,795
Total$3,134$37,608
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$107,451/yr
40% on housing$94,020/yr
45% on housing$83,573/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

$141This listing

vs Other Active Listings

Avg $/sqft

ZIP 49735$229
Otsego County$204

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
2026-05-10Listed for sale$449,500
2021-09-15Sold$300,000
2021-07-28Listed for sale$299,900
2017-03-31Sold$170,000
2017-03-02Listed for sale$189,900
2012-09-17Sold$155,000
2012-06-21Listed for sale$149,900
2009-08-19Sold$95,000
2008-07-30Sold$191,428

For Sale by Agent

AgentSamuel Bowman
BrokeragePat O'Brien & Associates - Boyne City

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