902 Bluffs Ct, Bay Harbor, MI, 49770
About This Home
Sought-after location in the Bluffs neighborhood in Bay Harbor with breathtaking views of Bay Harbor Lake and Lake Michigan. Desirable open floor plan with five bedrooms, spacious deck, manicured landscaping and flower beds, first floor office, sauna and Jacuzzi tub. Additional notable features include composite decking, generous inviting front porch, custom window treatments and finished walk-out lower level. Marvel in the captivating sunsets and short walk to the Village at Bay Harbor for shopping, dining, special events and the extraordinary offerings of the Great Lakes Center for the Arts.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1999
Materials
- Construction materials: Wood Frame/Site Built
Type & Style
- Home type: SingleFamily
Interior
Appliances
- Appliances included: Built-in Microwave,Dishwasher,Disposal,Refrigerator,Washer,Dryer,Range
Basement
- Has basement: Yes
- Basement: Full,Walk-Out Access,Finished
Bedrooms & Bathrooms
- Bedrooms: 5
- Bathrooms: 5
- Full bathrooms: 4
- 1/2 bathrooms: 1
Features
- Sauna
- Window features: Mini Blinds
- Flooring: Wood
Heating & Cooling
- Heating features: Natural Gas
- Cooling features: Ceiling Fan(s),Central Air
Interior Area
- Total interior livable area: 4,783 sqft
Property
Details
- Parcel number: 521803470109
Features
- Levels: Two Or More
- Patio & porch: Deck,Patio
- Spa features: Bath
Lot
- Lot size: 0.33 Acres
- Features: Paved,Sprinkler System
- Lot size dimensions: 63 x 230
Parking
- Parking features: Attached Garage
- Has garage: Yes
- Covered spaces: 2.5
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
- Lightning
- Hail
- Inland Flooding
- Strong Wind
- Tornado
- Winter Weather
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters in Emmet 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 | $16,155 | $193,860 |
| Home Insurance * | $1,765 | $21,180 |
| Property Taxes | $2,183 | $26,196 |
| Electricity | $521 | $6,260 |
| Total | $20,624 | $247,488 |
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 |
|---|---|---|
| 2025-10-11 | Listed for sale | $3,195,000 |
View on Zillow