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6777 Blue Lake Rd NE, Kalkaska, MI, 49646

4beds
3baths
2,000sqft
$785,000
$393price/sqft
$5,034/moest. monthly cost
$201,360/yrincome needed

About This Home

Captivating Blue Lake Retreat! Experience the pinnacle of lakeside living on highly sought-after Blue Lake! 3 Lakes in 1, Big Blue, Little Blue and North Blue interconnected with canals which offer endless lake experiences. Nestled along the crystal-clear shoreline, this stunning 4 bedroom, 3-bathroom home that encompasses up north charm with ample space for large family gatherings. Step inside to an expansive open concept living area featuring an inviting fireplace and windows designed to frame breathtaking, panoramic views of the water. The incredible walkout basement is a blank slate ready for personal touches to optimize lower-level living. Step right outside to your patio, fire pit and private shoreline. Whether you are launching a boat for an afternoon of all-sports lake excitement, stepping into the sandy swimming area or enjoying a quiet morning coffee on the beautiful deck, this property delivers the ultimate waterfront lifestyle. Recreational paradise awaits with ATV trails, multiple inland lakes, hiking and snowmobile trails near the home.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
29
BikeSomewhat Bikeable

Schools

4/10
5/10
Kalkaska Middle SchoolGrades 6-815.7 mi
7/10
Kalkaska High SchoolGrades 9-1215.3 mi

Construction

Condition

  • Year built: 2001

Materials

  • Foundation: Block
  • Roof: Asphalt
  • Construction materials: Frame,Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Refrigerator,Oven/Range,Dishwasher,Microwave
  • Laundry features: Main Level

Basement

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

Bedroom2

  • Level: Main
  • Area: 144

Bedroom3

  • Level: Upper
  • Area: 399

Bedroom4

  • Level: Main
  • Area: 110

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3
  • Main level bathrooms: 1
  • Main level bedrooms: 2

Features

  • Mud Room,Drywall,High Speed Internet,Cable TV
  • Window features: Skylight(s)
  • Flooring: Carpet,Tile
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 2,000

Heating & Cooling

  • Heating features: Forced Air,Natural Gas,Fireplace(s)
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,000
  • Total interior livable area: 2,000 sqft

Kitchen

  • Level: Main
  • Area: 540

Living Room

  • Level: Main
  • Area: 300

Master Bathroom

  • Features: Shared

Master Bedroom

  • Level: Upper
  • Area: 357

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 00270201600
  • Zoning description: Residential

Features

  • Levels: Two
  • Stories: 2
  • On waterfront: Yes
  • Waterfront features: All Sports,Sandy Bottom
  • Waterbody name: Big Blue Lake
  • Frontage length: 54

Lot

  • Lot size: 0.29 Acres
  • Features: Cleared,Landscaped,Subdivided
  • Lot size dimensions: 54 x 240 x 54 x 240

Parking

  • Total spaces: 2
  • Parking features: Detached,Gravel
  • 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
    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 $3,969$47,628
Home Insurance *$272$3,264
Property Taxes $575$6,900
Electricity $218$2,617
Total$5,034$60,408
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$172,594/yr
40% on housing$151,020/yr
45% on housing$134,240/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

$393This listing

vs Other Active Listings

Avg $/sqft

ZIP 49646$124
Kalkaska County$245

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)

Price History

DateEventPrice
2026-08-17Price change$765,000
2026-06-25Listed for sale$785,000

For Sale by Agent

AgentMelissa Steiner
BrokerageThe Difference Real Estate

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