




1621 Fern Ave, Harbor Springs, MI, 49740
About This Home
Quintessential Roaring Brook Waterfront Cottage Set against the breathtaking backdrop of Little Traverse Bay, this remarkable waterfront home offers unparalleled panoramic views and a lifestyle defined by lakeside living. Designed for both intimate entertaining and family gatherings, the main living areas exude classic cottage charm. A stunning double-sided fireplace serves as the centerpiece, seamlessly warming both the living and dining rooms. Classic French doors open directly onto an expansive waterfront patio, blurring the lines between indoor comfort and outdoor splendor. For breezy afternoons or cool evenings, a beautiful glassed-in porch provides a serene, all-weather vantage point to take in the sweeping lake views. With six generous bedrooms, the home effortlessly accommodates family and guests. Four of the bedrooms feature private en-suite bathrooms for ultimate convenience and privacy. Most notably, the home boasts two spectacular primary waterfront bedrooms, offering wake-up-to-the-water vistas and a tranquil start to every morning. Whether you are watching sailboats glide across the bay from your patio or enjoying a cozy evening by the fire, this Roaring Brook gem captures the true magic of waterfront living.
Getting Around
Schools
Construction
Materials
- Construction materials: Wood Frame/Site Built
Type & Style
- Home type: SingleFamily
Interior
Appliances
- Appliances included: Dishwasher,Disposal,Refrigerator,Washer,Dryer,Range
Basement
- Basement: Crawl Space
Bedroom
- Area: 197.41666666666669
Bedroom1
- Area: 157.16666666666666
Bedroom2
- Area: 331.2222222222222
Bedrooms & Bathrooms
- Bedrooms: 6
- Bathrooms: 6
- Full bathrooms: 5
- 1/2 bathrooms: 1
Dining Room
- Area: 255.6597222222222
Features
- Flooring: Wood
Heating & Cooling
- Heating features: Electric Baseboard
- Cooling features: Ceiling Fan(s)
Interior Area
- Total interior livable area: 3,065 sqft
Kitchen
- Area: 150.45833333333334
Living Room
- Area: 255.6597222222222
Master Bedroom
- Area: 430.2222222222222
Property
Details
- Parcel number: 081617176063
Features
- Levels: Two Or More
- Patio & porch: Deck,Patio
- On waterfront: Yes
- Waterfront features: Waterfront
Parking
- Parking features: No Garage Or Carport
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
- Inland Flooding
- Hail
- Lightning
- 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 | $26,799 | $321,588 |
| Home Insurance * | $3,650 | $43,800 |
| Property Taxes | $3,621 | $43,452 |
| Electricity | $334 | $4,011 |
| Total | $34,404 | $412,848 |
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 |
|---|---|---|
| 2026-07-06 | Listed for sale | $5,300,000 |
