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2548 Highlander Dr, Harbor Springs, MI, 49740

4beds
4baths
3,530sqft
$2,290,000
$649price/sqft
$15,105/moest. monthly cost
$604,200/yrincome needed

About This Home

Located within the gates of True North Golf Club, this newly completed cottage offers a refined take on Northern Michigan golf living. True North is known for its nationally recognized championship course and a relaxed, play-when-you-want experience with no tee times required. New construction with high end finishes defines the home, offering a clean, modern design and thoughtful layout. Open living spaces and large windows connect to the wooded setting, while a screened porch provides a quiet place to unwind. The kitchen is equipped with Monogram appliances and designed for both everyday living and hosting. Additional living space on the lower level provides flexibility for guests, creating a comfortable and private extension of the home. Designed for a lock and leave lifestyle, this property offers a low maintenance opportunity for those seeking new construction, quality craftsmanship, and access to one of Northern Michigan’s most sought after private golf communities.

Getting Around

7
WalkingCar-Dependent
0
TransitVery Limited Transit
14
BikeSomewhat Bikeable

Schools

8/10
6/10

Construction

Condition

  • Year built: 2022

Materials

  • Construction materials: Wood Frame/Site Built

Type & Style

  • Home type: SingleFamily

Interior

Appliances

  • Appliances included: Built-in Microwave,Dishwasher,Refrigerator,Washer,Dryer,Range

Basement

  • Has basement: Yes
  • Basement: Full,Walk-Out Access,Finished

Bedroom

  • Area: 243.2222222222222

Bedroom1

  • Area: 237.74305555555554

Bedroom2

  • Area: 220

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Dining Room

  • Area: 170.61111111111111

Family Room

  • Area: 203

Features

  • Cathedral Ceiling(s)
  • Fireplace features: Gas
  • Fireplace: Yes

Heating & Cooling

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

Interior Area

  • Total interior livable area: 3,530 sqft

Kitchen

  • Area: 148.19444444444446

Living Room

  • Area: 340.88194444444446

Master Bedroom

  • Area: 229.91666666666669

Property

Details

  • Parcel number: 061213110177

Features

  • Levels: Two Or More
  • Patio & porch: Deck

Lot

  • Lot size: 0.46 Acres
  • Features: Paved,Sprinkler System,Near Snowmobile Trails

Parking

  • Parking features: Detached Garage
  • Has garage: Yes
  • Covered spaces: 1

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
    Cold WaveRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Landslide
    LandslideModerate
  • Lightning
    LightningModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Landslide
Lightning
Tsunami

FEMA Declared Disasters in Emmet 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 $11,579$138,948
Home Insurance *$1,577$18,924
Property Taxes $1,564$18,768
Electricity $385$4,620
Total$15,105$181,260
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$517,885/yr
40% on housing$453,150/yr
45% on housing$402,800/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: 4.2%
4.2%
0%30.0%
Electricity Growth Rate10-year average: 3.9%
3.9%
0%15.0%
Property Taxes Growth Rate2-year average: 2.5%
2.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$649This listing

vs Other Active Listings

Avg $/sqft

ZIP 49740$430
Emmet County$414

vs Homes Sold Last Month

Median $/sqft

ZIP 49740
Emmet County$223

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
2026-03-19Listed for sale$2,290,000

For Sale by Agent

AgentWilliam Winslow, Coldwell Banker Schmidt- Harbor Springs
BrokerageColdwell Banker Schmidt- Harbor Springs

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