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11374 Locksley Dr, Frederic, MI, 49733

4beds
2baths
1,768sqft
$235,000
$133price/sqft
$1,844/moest. monthly cost
$73,760/yrincome needed

About This Home

**Move right into this beautifully maintained, one-owner 4-bedroom, 2-bath home where pride of ownership shines throughout!** Sold move-in ready--just bring your suitcase. The vintage charm creates a warm, inviting atmosphere, while the drive-through garage & paved driveway add everyday convenience. Enjoy the comfort of wood stoves on both levels, providing supplemental heat & cozy Up North character. Ideally located near state land, ORV & snowmobile trails, golf courses, hunting, fishing, & endless year-round recreation. HOA amenities include 2 private beaches, boat launches, heated pool, saunas, pickleball & volleyball courts, shared boats & more. Perfect as a year-round home, Up North getaway, or investment property. Natural gas coming soon.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
10
BikeSomewhat Bikeable

Schools

5/10
6/10
Gaylord Middle SchoolGrades 7-810.8 mi
7/10

Construction

Condition

  • Year built: 1978

Materials

  • Foundation: Basement

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Water Heater,Washer,Range/Oven,Refrigerator,Microwave,Disposal,Dryer,Dishwasher

Basement

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

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Door features: Doorwall
  • Window features: Egress Windows,Blinds,Curtain Rods,Drapes
  • Finished area above ground: 884

Heating

  • Heating features: Baseboard,Electric,Wood,Wood Stove

Interior Area

  • Total structure area: 1,768
  • Total interior livable area: 1,768 sqft

Property

Details

  • Parcel number: 09119000010100
  • Zoning: RR
  • Special condition: Trust

Features

  • Stories: 1
  • Patio & porch: Deck,Patio/Porch
  • On waterfront: Yes
  • Waterbody name: Guthrie Lake
  • Frontage type: None

Lot

  • Lot size: 0.64 Acres
  • Lot size dimensions: 245 x 110 x 253 x 110

Parking

  • Parking features: Driveway
  • 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 $1,188$14,256
Home Insurance *$108$1,296
Property Taxes $356$4,272
Electricity $192$2,314
Total$1,844$22,128
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$63,222/yr
40% on housing$55,320/yr
45% on housing$49,173/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

$133This listing

vs Other Active Listings

Avg $/sqft

ZIP 49733$100
Otsego County$204

vs Homes Sold Last Month

Median $/sqft

ZIP 49733
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)

No zestimate history available

Price History

DateEventPrice
2026-08-13Price change$225,000
2026-06-26Listed for sale$235,000

For Sale by Agent

AgentLaura Hart
BrokerageReal Estate One of Gaylord

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