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12520 Airport Rd, Atlanta, MI, 49709

5beds
2baths
2,100sqft
$424,900
$202price/sqft
$3,130/moest. monthly cost
$125,200/yrincome needed

About This Home

Peaceful, serene, and truly one of a kind, this stunning Thunder Bay Riverfront property offers the perfect blend of privacy, space, and convenience. Nestled on 8 beautiful acres with an impressive 643 feet of frontage along the Thunder Bay River, this exceptional property is located within walking distance of town while still providing the feeling of a private retreat. The spacious ranch-style home features five generously sized bedrooms, including a private primary suite with an ensuite bath and a desirable split floor plan. Designed for gathering and entertaining, the home offers a large eat-in kitchen, an expansive dining room with access to the charming brick porch, and a welcoming mudroom entry that adds both character and functionality. Adding even more versatility to the property is a separate guest quarters complete with a bedroom, bathroom, and kitchen--perfect for hosting family and friends, creating a private space for extended guests, or exploring rental possibilities. Outside, you'll find an extra-large heated garage and a pole barn, providing ample space for vehicles, recreational equipment, hobbies, and storage. The beautifully landscaped grounds are accented by vibrant flower beds, creating a picturesque setting to enjoy the sights and sounds of riverfront living. Located in the heart of the small town of Atlanta, Michigan, known as the "Elk Capital of Michigan," this property places you near endless outdoor recreation opportunities. Enjoy nearby lakes, rivers, state land, hiking trails, ORV routes, hunting, fishing, and year-round adventures, all while having the convenience of shops, restaurants, and local amenities just a short walk away. Whether you're looking for a full-time residence, a family retreat, or a place to enjoy Northern Michigan's natural beauty, this remarkable riverfront estate is a rare opportunity.

Getting Around

33
WalkingCar-Dependent
0
TransitVery Limited Transit
33
BikeSomewhat Bikeable

Schools

6/10
Atlanta Community SchoolsGrades PK-120.6 mi

Construction

Condition

  • Year built: 1968

Materials

  • Foundation: Crawl

Type & Style

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

Interior

Appliances

  • Appliances included: Water Heater,Water Softener,Washer,Range/Oven,Refrigerator,Microwave,Dryer,Dishwasher
  • Laundry features: Main Level,Other

Basement

  • Basement: None

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Wired for Sound,Walk-In Closet(s),Split Bdrm Flr Plan
  • Door features: Doorwall
  • Flooring: Laminate
  • Finished area above ground: 2,100

Heating & Cooling

  • Heating features: Forced Air,Geothermal
  • Cooling features: Geothermal

Interior Area

  • Total structure area: 2,100
  • Total interior livable area: 2,100 sqft

Property

Details

  • Parcel number: 00342000001500

Features

  • Patio & porch: Patio/Porch
  • On waterfront: Yes
  • Waterfront features: River
  • Waterbody name: Thunder Bay River

Lot

  • Lot size: 8.03 Acres
  • Lot size dimensions: See Survey

Parking

  • Parking features: Garage
  • Has garage: 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
    LightningRelatively High
  • Cold Wave
    Cold WaveModerate
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

Lightning
Cold Wave
Inland Flooding

FEMA Declared Disasters in Montmorency 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 $2,148$25,776
Home Insurance *$225$2,700
Property Taxes $528$6,336
Electricity $229$2,748
Total$3,130$37,560
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$107,314/yr
40% on housing$93,900/yr
45% on housing$83,466/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: 1.1%
1.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$202This listing

vs Other Active Listings

Avg $/sqft

ZIP 49709$120
Montmorency County$140

vs Homes Sold Last Month

Median $/sqft

ZIP 49709
Montmorency County$134

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

DateEventPrice
2026-06-20Listed for sale$424,900
2026-06-11Contingent$424,900
2026-06-11Listed for sale$424,900
2017-05-11Listing removed$138,000
2016-06-23Price change$138,000
2015-09-11Price change$145,000
2015-05-11Listed for sale$148,000
2014-04-28Listing removed$155,000
2013-05-04Listed for sale$155,000
2005-01-21Sold$165,000

For Sale by Agent

AgentLaura Corpe
BrokerageKW Northern Michigan Team Partners

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