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1621 Fern Ave, Harbor Springs, MI, 49740

6beds
6baths
3,065sqft
$5,300,000
$1,729price/sqft
$34,404/moest. monthly cost
$1,376,160/yrincome needed

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

1
WalkingCar-Dependent
0
TransitVery Limited Transit
36
BikeSomewhat Bikeable

Schools

8/10
6/10

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
    Cold WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Hail
    HailModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Hail
Lightning
Winter Weather
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 $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
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$1,179,565/yr
40% on housing$1,032,120/yr
45% on housing$917,440/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

$1,729This listing

vs Other Active Listings

Avg $/sqft

ZIP 49740$379
Emmet County$399

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)

Price History

DateEventPrice
2026-07-06Listed for sale$5,300,000

For Sale by Agent

AgentLee Ford
BrokerageColdwell Banker Schmidt- Harbor Springs

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