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12161 Bair Lake St, Jones, MI, 49061

4beds
3baths
2,994sqft
$349,000
$117price/sqft
$3,081/moest. monthly cost
$123,240/yrincome needed

About This Home

This four-bedroom, three-bath, 2,994-square-foot split level home overlooks the north side of all-sports Bair Lake. The main level has a family room with access to the deck; eat-in kitchen w/ fireplace; 2 BD and 1 BA. The lower level has a recreation room; primary bedroom; jack-and-jill bathroom; and bedroom. Down two stairs is a dining area with walk-out; kitchen w/ fireplace; living room; and laundry. The patio at the front of the house is a perfect space for entertaining. 199-acre Bair Lake is just over two hours from Chicago, 40 minutes from Notre Dame, 10 minutes from Swiss Valley ski area.

Getting Around

5
WalkingCar-Dependent
0
TransitVery Limited Transit
9
BikeSomewhat Bikeable

Schools

7/10
Norton Elementary SchoolGrades K-55.1 mi
5/10
8/10
Three Rivers High SchoolGrades 9-1210.2 mi

Construction

Condition

  • Year built: 1975

Materials

  • Roof: Composition
  • Construction materials: Stone,Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dryer,Microwave,Range,Refrigerator,Washer
  • Laundry features: Laundry Room,Lower Level

Basement

  • Has basement: Yes
  • Basement: Partial,Walk-Out Access

Bathroom1

  • Level: Main
  • Area: 56
  • Dimensions: 7.00 x 8.00

Bathroom2

  • Level: Lower
  • Area: 45
  • Dimensions: 9.00 x 5.00

Bathroom3

  • Level: Lower
  • Area: 64
  • Dimensions: 8.00 x 8.00

Bedroom2

  • Level: Main
  • Area: 154
  • Dimensions: 14.00 x 11.00

Bedroom3

  • Level: Main
  • Area: 117
  • Dimensions: 9.00 x 13.00

Bedroom4

  • Level: Lower
  • Area: 160
  • Dimensions: 16.00 x 10.00

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3
  • Main level bedrooms: 2

Dining Area

  • Level: Lower
  • Area: 184
  • Dimensions: 23.00 x 8.00

Family Room

  • Level: Main
  • Area: 391
  • Dimensions: 23.00 x 17.00

Features

  • Ceiling Fan(s),Eat-in Kitchen,Pantry
  • Number of fireplaces: 2
  • Fireplace features: Family Room,Living Room
  • Fireplace: Yes
  • Finished area below ground: 0

Heating

  • Heating features: Baseboard

Interior Area

  • Total structure area: 1,898
  • Total interior livable area: 2,994 sqft

Kitchen

  • Level: Main
  • Area: 253
  • Dimensions: 23.00 x 11.00

Kitchen

  • Level: Lower
  • Area: 391
  • Dimensions: 23.00 x 17.00

Laundry

  • Level: Lower
  • Area: 240
  • Dimensions: 16.00 x 15.00

Living Room

  • Level: Lower
  • Area: 240
  • Dimensions: 16.00 x 15.00

Master Bedroom

  • Level: Lower
  • Area: 160
  • Dimensions: 16.00 x 10.00

Other

  • Level: Lower
  • Area: 110
  • Dimensions: 11.00 x 10.00

Recreation

  • Level: Lower
  • Area: 408
  • Dimensions: 24.00 x 17.00

Property

Details

  • Parcel number: pt of 1408003403500

Features

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

Lot

  • Lot size: 1.84 Acres
  • Features: Rolling Hills,Ground Cover,Shrubs/Hedges
  • Lot size dimensions: Irregular

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

  • Strong Wind
    Strong WindRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Strong Wind
Cold Wave
Hail
Tornado
Winter Weather

FEMA Declared Disasters in Cass 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 $1,764$21,168
Home Insurance *$286$3,432
Property Taxes $705$8,460
Electricity $326$3,918
Total$3,081$36,972
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$105,634/yr
40% on housing$92,430/yr
45% on housing$82,160/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: 7.3%
7.3%
0%30.0%
Electricity Growth Rate10-year average: 3.9%
3.9%
0%15.0%
Property Taxes Growth Rate2-year average: 4.1%
4.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$117This listing

vs Other Active Listings

Avg $/sqft

ZIP 49061$317
Cass County$238

vs Homes Sold Last Month

Median $/sqft

ZIP 49061$195
Cass County$143

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)

No zestimate history available

Price History

DateEventPrice
2026-07-06Price change$349,000
2026-06-29Price change$355,000
2026-06-16Price change$365,000
2026-05-22Listed for sale$375,000
2025-11-18Listing removed$65,000
2025-11-12Price change$65,000
2025-10-25Price change$75,000
2025-10-06Price change$79,000
2025-09-22Price change$85,000
2025-09-13Price change$89,000
2025-09-09Price change$93,900
2025-08-29Price change$95,000
2025-08-25Price change$100,000
2025-08-18Price change$105,000
2025-08-13Price change$110,000
2025-08-09Price change$117,500
2025-08-01Listed for sale$120,000
2018-11-30Listing removed$245,000
2018-10-08Price change$245,000
2018-09-16Price change$247,500
2018-09-06Price change$252,500
2018-08-16Listed for sale$255,000
2013-11-05Listing removed$245,000
2013-07-25Price change$245,000
2013-06-28Listed for sale$255,000

For Sale by Agent

AgentPaul DeLano
BrokerageLake Life Realty

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