89 River Dr, Merritt, MI, 49667
About This Home
Set in the quiet stretch between Lake City and Houghton Lake, this truly one-of-a kind Northern Michigan property offers a rare blend of water, privacy, and year-round comfort that is nearly impossible to replicate. The centerpiece is a charming ranch-style home featuring 2 bedrooms, 1 bath, attached garage, designed for easy living whether you are settling in full-time or escaping Up North. A beautifully finished four-seasons room invites you to enjoy the outdoors in every season, which makes it a comfortable retreat no matter the weather. Step outside and the setting becomes extraordinary. A gently meandering West Branch Muskegon River wraps the backyard. In addition the the river frontage, the property boasts a artesian-fed pond as well as a Private Lake frontage both stocked with fish. Pond property has a gazebo, well and electric (not currently hooked-up). Across the road, an additional parcels on the Private Lake features a 24x32 heated pole barn with electric, 24x40 polebarn with electric ran to it, offering flexibility for storage, hobbies or future expansion, and a gazebo providing an inviting space for entertaining and enjoyment, and a RV hookup adds even more versatility for guests or extended stays. Practical upgrades bring peace of mind, including a crawl space professionally improved by Michigan Foundation Systems, new metal roof in 2025, home equipped with a Generac for reliable backup power, water softener and propane tank are owned, adding long-term value and convenience. Everything had maintenance performed in 2025! Whether you are seeking a serene retirement setting, a recreational retreat, or a distinctive year-round residence, this property delivers a level of uniqueness that stands apart. Opportunities like this, where multiple waterfront features and functional amenities come together so seamlessly, are exceptionally rare in Northern Michigan. This property truly is a must see to appreciate.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1960
Materials
- Roof: Metal/Steel
- Construction materials: Frame,Vinyl Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Ranch
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Refrigerator,Oven/Range,Dishwasher,Microwave,Water Softener Owned,Washer,Dryer
- Laundry features: Main Level
Basement
- Basement: Crawl Space
Bedroom2
- Area: 123.5
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 1
- Full bathrooms: 1
- Main level bathrooms: 1
Dining Room
- Area: 120
Family Room
- Area: 297
Features
- Pantry,Kitchen Island
- Fireplace features: None
- Finished area below ground: 0
- Finished area above ground: 1,568
Heating
- Heating features: Hot Water,Baseboard,Propane
Interior Area
- Total structure area: 1,568
- Total interior livable area: 1,568 sqft
Kitchen
- Area: 96
Living Room
- Area: 324
Master Bathroom
- Features: None
Master Bedroom
- Area: 241.5
Property
Accessibility
- Accessibility features: None
Details
- Parcel number: 5700359000600 +
- Zoning description: Residential
- Other equipment: Dish TV
Features
- Levels: One
- Stories: 1
- Patio & porch: Porch,Screened
- Has view: Yes
- View description: Countryside View
- On waterfront: Yes
- Waterfront features: Inland Lake,River,Pond,No Wake
- Waterbody name: Muskegon River
- Frontage type: Waterfront,Priv Frontage (Across Rd)
- Frontage length: 645
Lot
- Lot size: 1.65 Acres
- Features: Cleared,Wooded,Level,Subdivided
- Lot size dimensions: Irregular
Parking
- Total spaces: 2
- Parking features: Attached,Garage Door Opener,Concrete Floors,Asphalt
- Has garage: Yes
- Attached garage 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
- Winter Weather
- Cold Wave
- Hail
- Strong Wind
- Inland Flooding
- Lightning
- Tornado
How This Home’s Risks Compare
FEMA Declared Disasters in Missaukee County and Michigan
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $1,920 | $23,040 |
| Home Insurance * | $288 | $3,456 |
| Property Taxes | $712 | $8,544 |
| Electricity | $188 | $2,259 |
| Total | $3,108 | $37,296 |
Income You'd Need if You Spent...
Michigan FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-04-17 | Price change | $379,900 |
| 2026-04-03 | Listed for sale | $399,900 |
| 2024-10-31 | Sold | $315,000 |
| 2024-07-09 | Price change | $325,000 |
| 2024-07-02 | Listed for sale | $335,000 |
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