7636 Crystal Beach Rd NW, Rapid City, MI, 49676
About This Home
Welcome to your Torch Lake Sandbar getaway, where golden sandy beaches, crystal-clear turquoise water, and unforgettable lake days await! This 3BR, 1.5BA waterfront home offers 66 feet of prime sandy Torch Lake frontage. The beautiful north-facing lake views and a shallow sandy entry perfect for swimming and family beach days. Located just east of the Torch River Bridge and walk out distant from the famous Torch Lake Sandbar, this property offers easy access to one of Northern Michigan’s most sought-after destinations and the incredible Chain of Lakes lifestyle. Enjoy your private golden beach, with bonfires, sunsets, and endless days on the water. The dock is included for easy boating access. Inside, the home offers a warm and inviting layout with gorgeous original wood floors throughout the main living areas and bedrooms. The living room and dining area provide comfortable spaces for gathering, while the heated all-season room offers a spectacular lake view and additional living space perfect for morning coffee, working from home, or enjoying rainy afternoons while still taking in the beauty of Torch Lake. The three bedrooms and updated full bath are thoughtfully separated down the hall from the main living spaces. Upstairs provides additional potential with open unfinished space, a half bath, and laundry area with washer and dryer. Additional features include a proven short-term rental history, paved driveway for easy parking, and south-facing solar panels that help offset energy costs, with recent electric bills are extremely low. Whether you’re searching for a year-round residence, vacation retreat, or waterfront investment, this Torch Lake property offers the location, lifestyle, and memories that make Northern Michigan so special.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1935
Materials
- 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,Washer,Dryer
- Laundry features: Upper Level
Basement
- Basement: Crawl Space
Bedroom2
- Level: Main
- Area: 116
Bedroom3
- Level: Main
- Area: 116
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 1
- 1/2 bathrooms: 1
- Main level bathrooms: 1
- Main level bedrooms: 3
Dining Room
- Level: Main
- Area: 224
Features
- Walk-In Closet(s),Pantry,Solid Surface Counters,Cable TV,DSL,WiFi
- Flooring: Wood,Vinyl
- Fireplace features: Wood Burning
- Fireplace: Yes
- Finished area below ground: 0
- Finished area above ground: 1,660
Heating & Cooling
- Heating features: Forced Air,Natural Gas,Fireplace(s)
- Cooling features: Central Air
Interior Area
- Total structure area: 1,660
- Total interior livable area: 1,660 sqft
Kitchen
- Level: Main
- Area: 160
Living Room
- Level: Main
- Area: 308
Master Bathroom
- Features: Shared
Master Bedroom
- Level: Main
- Area: 120
Property
Accessibility
- Accessibility features: Accessible Full Bath
Details
- Parcel number: 00445000600
- Zoning description: Residential,Rental History
Features
- Levels: Two
- Stories: 2
- Exterior features: Sprinkler System,Sidewalk,Dock
- Has view: Yes
- View description: Water
- Water view: Water
- On waterfront: Yes
- Waterfront features: Inland Lake,All Sports,Sandy Bottom,Sandy Shoreline
- Waterbody name: Torch Lake
- Frontage type: Waterfront
- Frontage length: 66
Lot
- Lot size: 5,227 sqft
- Features: Level,Metes and Bounds
- Lot size dimensions: 66 x 77
Parking
- Parking features: None,Concrete,Private
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
- Cold Wave
- Inland Flooding
- Lightning
- Strong Wind
How This Home’s Risks Compare
FEMA Declared Disasters in Kalkaska 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 | $9,354 | $112,248 |
| Home Insurance * | $976 | $11,712 |
| Property Taxes | $1,480 | $17,760 |
| Electricity | $188 | $2,259 |
| Total | $11,998 | $143,976 |
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 |
|---|---|---|
| 2026-07-09 | Listed for sale | $1,850,000 |
| 2025-12-16 | Listing removed | $2,000 |
| 2025-10-07 | Listed for rent | $2,000 |
| 2025-08-29 | Listing removed | $2,000 |
| 2025-07-11 | Price change | $2,000 |
| 2025-07-08 | Listed for rent | $3,000 |
| 2024-01-01 | Listing removed | -- |
| 2023-10-25 | Price change | $2,000 |
| 2023-10-11 | Listed for rent | $3,000 |
| 2019-11-05 | Sold | $489,900 |
| 2019-07-04 | Listed for sale | $499,000 |
| 2018-03-14 | Listing removed | $479,900 |
| 2017-10-10 | Listed for sale | $479,900 |
| 2016-07-06 | Listing removed | $399,000 |
| 2016-07-01 | Sold | $372,000 |
| 2015-07-29 | Price change | $399,000 |
| 2015-06-13 | Listed for sale | $425,000 |
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