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6765 Birch Dr NE, Kalkaska, MI, 49646

5beds
2baths
2,576sqft
$350,000
$136price/sqft
$2,426/moest. monthly cost
$97,040/yrincome needed

About This Home

Back On The Market. Buyers loss , Your Gain. Lakefront Living at Its Finest – 5BR Home on Indian Lake. Welcome to your own peaceful paradise! Nestled at the end of a quiet drive, this stunning 2,576 sq ft year-round home offers 109 feet of private frontage on Indian Lake — a serene, 70-acre no-wake lake perfect for pontooning, kayaking, and fishing. Step inside this spacious 5-bedroom, 2-bathroom home and take in the gorgeous lake views from nearly every room. The main level features a walk-out to an expansive deck — ideal for outdoor dining, relaxing, or entertaining — with stairs leading down to your backyard. The lower level offers a second walk-out to a covered patio, providing a perfect shady retreat on warm summer days. Enjoy direct access to your private dock and soak in the beauty of lakeside living year-round. The property also includes a detached 2-car garage and a paved driveway for added convenience. Whether you're sipping coffee on the deck at sunrise or winding down with a quiet paddle around the lake, this home offers the perfect blend of tranquility and comfort. Don’t miss the chance to own a slice of lakeside serenity.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
27
BikeSomewhat Bikeable

Schools

4/10
5/10
Kalkaska Middle SchoolGrades 6-813.9 mi
7/10
Kalkaska High SchoolGrades 9-1213.6 mi

Construction

Condition

  • Year built: 1988

Materials

  • Foundation: Basement
  • Construction materials: Block,Vinyl Trim

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Microwave,Range/Oven,Gas Water Heater
  • Laundry features: Lower Level

Basement

  • Has basement: Yes
  • Basement: Block,Full,Interior Entry,Walk-Out Access

Bathroom1

  • Level: Main
  • Area: 63

Bathroom2

  • Level: Lower
  • Area: 63

Bedroom1

  • Level: Main
  • Area: 90

Bedroom2

  • Level: Main
  • Area: 100

Bedroom3

  • Level: Main
  • Area: 208

Bedroom4

  • Level: Lower
  • Area: 144

Bedroom5

  • Level: Lower
  • Area: 130

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bathrooms: 1
  • Main level bedrooms: 3

Dining Room

  • Level: Lower
  • Area: 350

Family Room

  • Level: Lower
  • Area: 224

Features

  • Finished area below ground: 1,288
  • Finished area above ground: 1,288

Heating & Cooling

  • Heating features: Forced Air,Electric,Natural Gas
  • Cooling features: Ceiling Fan(s),Central Air

Interior Area

  • Total structure area: 2,576
  • Total interior livable area: 2,576 sqft

Kitchen

  • Level: Main
  • Area: 144

Living Room

  • Level: Main
  • Area: 350

Master Bedroom

  • Level: First

Property

Details

  • Parcel number: 00246001500
  • Zoning description: Residential
  • Special condition: Private

Features

  • Patio & porch: Deck,Patio,Porch
  • On waterfront: Yes
  • Waterfront features: Lake Front,No Wake Lake,Waterfront
  • Frontage length: 109

Lot

  • Lot size: 871.20 sqft
  • Features: Dead End
  • Lot size dimensions: 871sqft

Parking

  • Total spaces: 3
  • Parking features: 3 or More Spaces,Detached
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered 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
    Winter WeatherVery High
  • Cold Wave
    Cold WaveRelatively High
  • Hail
    HailModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Winter Weather
Cold Wave
Hail
Lightning
Strong Wind

FEMA Declared Disasters in Kalkaska 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 $1,769$21,228
Home Insurance *$121$1,452
Property Taxes $256$3,072
Electricity $280$3,371
Total$2,426$29,112
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$83,177/yr
40% on housing$72,780/yr
45% on housing$64,693/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: 11.8%
11.8%
0%30.0%
Electricity Growth Rate10-year average: 3.9%
3.9%
0%15.0%
Property Taxes Growth Rate2-year average: 3.3%
3.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$136This listing

vs Other Active Listings

Avg $/sqft

ZIP 49646$144
Kalkaska County$252

vs Homes Sold Last Month

Median $/sqft

ZIP 49646$180
Kalkaska County$180

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
2026-03-13Listed for sale$399,000
2026-01-21Pending sale$399,000
2025-11-07Price change$399,000
2025-08-29Price change$415,000
2025-08-04Listed for sale$425,000

For Sale by Agent

AgentKevin Wood
BrokerageWood Realty Group LLC

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