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35965 S Humms Rd, Drummond Island, MI, 49726

6beds
1baths
1,803sqft
$799,000
$443price/sqft
$5,665/moest. monthly cost
$226,600/yrincome needed

About This Home

A rare opportunity to own one of Drummond Island's most versatile and breathtaking waterfront properties. This private and secluded 25.79-acre estate offers an exceptional 1,000 feet of pristine sandy shoreline along Whitney Bay, opening directly into Lake Huron, and sits just a couple of miles from the ferry landing. Sandy beaches are a rare find on Drummond Island, making this property truly one of a kind. The possibilities here are endless. With splits available, this property can become whatever you envision. Create a multi-generational legacy estate and family compound with room for everyone to gather for generations. Restore it to its roots as a resort with multiple dwellings, or explore the potential for an RV park or campground. For investors, few properties on the island combine this much shoreline, acreage, privacy, and development potential in one offering. The land itself is equally impressive, featuring rich, fertile soil and a unique mix of sand, gravel, and rock, making it well-suited for a variety of uses. The property also includes a full workshop, providing excellent space for equipment, hobbies, or business operations. An added bonus is the existing USDA farm number, established by the current owners, offering future owners additional flexibility should they choose to pursue agricultural uses. Whether you're searching for an extraordinary waterfront retreat, an investment opportunity, or a property with unmatched potential, this is a truly rare offering on Drummond Island.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
22
BikeSomewhat Bikeable

Schools

3/10
3/10
DeTour High SchoolGrades 7-122.2 mi

Construction

Condition

  • Year built: 1930

Materials

  • Roof: Metal
  • Construction materials: Aluminum Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dryer,Oven,Refrigerator,Washer
  • Laundry features: Laundry Room

Basement

  • Has basement: Yes
  • Basement: Michigan Basement

Bedrooms & Bathrooms

  • Bedrooms: 6
  • Bathrooms: 1
  • Full bathrooms: 1
  • Main level bedrooms: 1

Features

  • Number of fireplaces: 1
  • Fireplace: Yes
  • Finished area below ground: 0

Heating

  • Heating features: Forced Air

Interior Area

  • Total structure area: 1,803
  • Total interior livable area: 1,803 sqft

Property

Details

  • Parcel number: 00617103500
  • Zoning description: RES

Features

  • Stories: 2
  • On waterfront: Yes
  • Waterfront features: Lake
  • Waterbody name: Lake Huron

Lot

  • Lot size: 25.79 Acres
  • Features: Recreational,Wooded
  • Lot size dimensions: 3907 x 2835 x 2994 x 2349

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 WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Winter Weather
Tsunami

FEMA Declared Disasters in Chippewa 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 $4,040$48,480
Home Insurance *$240$2,880
Property Taxes $1,189$14,268
Electricity $196$2,359
Total$5,665$67,980
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$194,228/yr
40% on housing$169,950/yr
45% on housing$151,066/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: 13.8%
13.8%
0%30.0%
Electricity Growth Rate10-year average: 3.9%
3.9%
0%15.0%
Property Taxes Growth Rate2-year average: 0.3%
0.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$443This listing

vs Other Active Listings

Avg $/sqft

ZIP 49726$188
Chippewa County$168

vs Homes Sold Last Month

Median $/sqft

ZIP 49726$196
Chippewa County$119

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
2026-08-11Price change$699,000
2026-07-22Price change$799,000
2026-07-01Price change$875,000
2026-06-15Listed for sale$950,000
2020-01-01Listing removed$470,000
2019-06-19Price change$470,000
2017-07-06Listed for sale$499,000
2017-01-08Listing removed$630,000
2016-05-15Price change$630,000
2015-06-04Listed for sale$770,000

For Sale by Agent

AgentCassandra J Clark
BrokerageKeller Williams GR East

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