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4513 Croy Lake Rd NE, Mancelona, MI, 49659

1beds
1baths
815sqft
$139,900
$172price/sqft
$1,183/moest. monthly cost
$47,320/yrincome needed

About This Home

Five acres on the North Country Scenic Trail with a historic cottage that the neighborhood refers to as “The Lodge. The original single bunkroom has been divided into two spaces, one as a full bedroom with built-in closet and both with windows. This cabin is built to be enjoyed as a retreat in all four seasons. The nearby ATV trails and plentiful lakes make this the perfect launch pad for summer fun, then relax on the screened porch at the end of the day. In the winter, enjoy warming up next to the fireplace after a fun day on the many snowmobile trails. Discover local hidden gems to visit, such as A Yak or 2 Ranch (a few yaks live just across the road!), the Southwell Sugar Shack, Devor's Dairy farm, Manistee Lake Pizzeria & Bakery, many gift shops, beaches and trails. The unattached garage is a perfect place for all your recreation vehicles. The cabin can be purchased fully furnished if desired.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
17
BikeSomewhat Bikeable

Schools

4/10
5/10
Kalkaska Middle SchoolGrades 6-87.7 mi
7/10
Kalkaska High SchoolGrades 9-127.5 mi

Construction

Condition

  • Year built: 1950

Materials

  • Foundation: Block
  • Roof: Metal
  • Construction materials: Frame,Vinyl Siding,Other

Notable Dates

  • Major remodel year: 2018

Type & Style

  • Home type: SingleFamily
  • Architectural style: Cottage,Lodge
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Refrigerator,Oven/Range,Microwave
  • Laundry features: None

Basement

  • Has basement: Yes
  • Basement: Michigan Basement,Exterior Entry,Interior Entry

Bedroom2

  • Level: Main
  • Area: 99

Bedrooms & Bathrooms

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

Features

  • Entrance Foyer,Mud Room,Drywall,Paneling
  • Window features: Drapes,Curtain Rods
  • Flooring: Carpet,Other
  • Fireplace features: Wood Burning,Masonry
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 815

Heating

  • Heating features: Forced Air,Propane,Wood,Fireplace(s)

Interior Area

  • Total structure area: 815
  • Total interior livable area: 815 sqft

Kitchen

  • Level: Main
  • Area: 243.36

Living Room

  • Level: Main
  • Area: 353.7

Master Bathroom

  • Features: None

Master Bedroom

  • Level: Main
  • Area: 63.9

Property

Accessibility

  • Accessibility features: Main Floor Access

Details

  • Parcel number: 00501800615
  • Zoning description: Residential

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Covered,Screened
  • Has view: Yes
  • View description: Countryside View
  • Waterfront features: None

Lot

  • Lot size: 4.94 Acres
  • Features: Level,Metes and Bounds
  • Lot size dimensions: 363 x 591 x 354 x 583

Parking

  • Total spaces: 2
  • Parking features: Detached,Dirt
  • 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 $707$8,484
Home Insurance *$48$576
Property Taxes $240$2,880
Electricity $188$2,259
Total$1,183$14,196
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$40,560/yr
40% on housing$35,490/yr
45% on housing$31,546/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

$172This listing

vs Other Active Listings

Avg $/sqft

ZIP 49659$152
Kalkaska County$254

vs Homes Sold Last Month

Median $/sqft

ZIP 49659
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
2026-08-04Price change$129,900
2026-07-07Listed for sale$139,900
2010-10-20Sold$16,500
2010-02-09Sold$52,211

For Sale by Agent

AgentLynette Priest
BrokerageREO-TCRandolph-233022

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