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55 S Lighthouse Dr, Mears, MI, 49436

2beds
1baths
760sqft
$550,000
$724price/sqft
$3,972/moest. monthly cost
$158,880/yrincome needed

About This Home

Location! Location! Location! Walk out your door to a fabulous association beach. There are 3 components that add value to Lake properties and this one has all 3 - you can hear the lake, you can see the lake, and most importantly, the accessibility. NO stairs required to use the water. NO rocks to climb over, just beautiful sand gently sloping to the clean clear water. If you have been searching for a Lake Michigan vacation cottage, you know the value easy access to the water affords. The property consists of 2 lots with the possibility of building on the vacant lot if you need/want a larger vacation home or permanent residence or have an extended family and need 2 cottages. The remote location is on a cul-de-sac that is maintained in the Winter by the county road commission. This is a unique opportunity that you should not pass up.

Getting Around

9
WalkingCar-Dependent
0
TransitVery Limited Transit
2
BikeSomewhat Bikeable

Schools

4/10
7/10
Shelby Middle SchoolGrades 6-89.2 mi
6/10
Shelby High SchoolGrades 9-129.0 mi

Construction

Condition

  • Year built: 1966

Materials

  • Roof: Asphalt,Shingle
  • Construction materials: Block,Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: A-Frame
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Range,Refrigerator
  • Laundry features: Other

Basement

  • Basement: Slab

Bedrooms & Bathrooms

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

Features

  • Flooring: Carpet
  • Number of fireplaces: 1
  • Fireplace features: Living Room,Wood Burning
  • Fireplace: Yes

Heating

  • Heating features: Wall Furnace

Interior Area

  • Total structure area: 760
  • Total interior livable area: 760 sqft

Kitchen

  • Level: Main

Property

Details

  • Parcel number: 01127002000
  • Zoning description: EAGLE

Features

  • Stories: 2
  • Waterfront features: Lake
  • Waterbody name: Lake Michigan

Lot

  • Lot size: 0.31 Acres
  • Features: Cul-De-Sac
  • Lot size dimensions: 61 x 224.22 x 61 x 209

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

  • Strong Wind
    Strong WindVery High
  • Winter Weather
    Winter WeatherVery High
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Strong Wind
Winter Weather
Tsunami

FEMA Declared Disasters in Oceana 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 $2,781$33,372
Home Insurance *$250$3,000
Property Taxes $753$9,036
Electricity $188$2,259
Total$3,972$47,664
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$136,182/yr
40% on housing$119,160/yr
45% on housing$105,920/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: 0.3%
0.3%
0%30.0%
Electricity Growth Rate10-year average: 3.9%
3.9%
0%15.0%
Property Taxes Growth Rate2-year average: -3.1%
-3.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$724This listing

vs Other Active Listings

Avg $/sqft

ZIP 49436$379
Oceana County$200

vs Homes Sold Last Month

Median $/sqft

ZIP 49436
Oceana County$178

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
2026-08-06Pending sale$550,000
2026-06-11Listed for sale$550,000

For Sale by Agent

AgentTim Horton
BrokerageWickstra Realty, Inc.

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