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10286 Shawnee Trl, Gaylord, MI, 49735

3beds
2baths
1,716sqft
$394,500
$230price/sqft
$2,773/moest. monthly cost
$110,920/yrincome needed

About This Home

Beautiful 10 acre property nestled in the heart of Wilderness Valley. This chalet-style 3bd/2ba home with attached garage, office, deck and Generac generator provides easy comfortable living among the hardwoods. Comes with a 24x30 pole barn that has electricity, woodstove, garage door opener, and indoor/outdoor kennel. New asphalt driveway, 10x20 carport, 8x12 shed, 2 deer blinds, 2 tree stands, shooting range and underground dog fence complete this upNorth setting. Added bonus - easy access to ATV, snowmobile and snowshoe trails, as well as shared private access to Lake Elizabeth - over 500ft of access to this quiet no wake lake, perfect for canoeing, fishing, and kayaking. Gaylord and Lakes of the North are nearby for golfing and dining. Come check out this quiet slice of paradise!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
21
BikeSomewhat Bikeable

Schools

6/10
6/10
Gaylord Middle SchoolGrades 7-811.6 mi
7/10

Construction

Condition

  • Year built: 1990

Materials

  • Foundation: Crawl

Type & Style

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

Interior

Appliances

  • Appliances included: Washer,Range/Oven,Refrigerator,Microwave,Dryer,Dishwasher
  • Laundry features: Main Level

Basement

  • Basement: None

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Ceiling Fan(s),Vaulted Ceiling(s)
  • Door features: Doorwall
  • Window features: Blinds
  • Flooring: Hardwood,Tile,Laminate
  • Fireplace features: Insert
  • Fireplace: Yes
  • Finished area above ground: 1,716

Heating

  • Heating features: Baseboard,Electric,Forced Air,Propane,See Remarks

Interior Area

  • Total structure area: 1,716
  • Total interior livable area: 1,716 sqft

Property

Details

  • Parcel number: 07002820005500
  • Zoning: RR
  • Other equipment: Portable Generator

Features

  • Patio & porch: Deck
  • Fencing: Fenced
  • On waterfront: Yes
  • Frontage type: None

Lot

  • Lot size: 10 Acres
  • Features: Landscaped,Natural
  • Lot size dimensions: 10 acres

Parking

  • Parking features: Driveway,Garage Door Opener
  • Has garage: Yes
  • Has uncovered spaces: Yes

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 $1,994$23,928
Home Insurance *$199$2,388
Property Taxes $392$4,704
Electricity $188$2,259
Total$2,773$33,276
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$95,074/yr
40% on housing$83,190/yr
45% on housing$73,946/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

$230This listing

vs Other Active Listings

Avg $/sqft

ZIP 49735$226
Otsego County$202

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
2026-05-11Price change$430,000
2026-04-23Price change$435,000
2026-02-26Listed for sale$440,000
2020-07-02Sold$132,000
2001-03-17Sold$132,000

For Sale by Agent

AgentJoan Becker
BrokerageBerkshire Hathaway HomeServices

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