63228 Kinsey St, Vandalia, MI, 49095
About This Home
Year Round 1 bedroom Cottage on Birch Lake. Large Deck and Deck with Firepit with views of Birch Lake. Property has Association Access and an Association Assigned Boat Slip. Birch Lake is a 300 acres Spring Fed All Sports Lake, 2 hours from Chicago and 30 mins to Notre Dame. Experience Lake Living without the high property taxes.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1940
Materials
- Roof: Composition
- Construction materials: Vinyl Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Cabin
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dryer,Microwave,Oven,Range,Refrigerator,Washer,Water Softener Owned
- Laundry features: Main Level
Basement
- Basement: Crawl Space
Bathroom1
- Level: Main
- Area: 50
- Dimensions: 10.00 x 5.00
Bedrooms & Bathrooms
- Bedrooms: 1
- Bathrooms: 1
- Full bathrooms: 1
- Main level bedrooms: 1
Features
- Eat-in Kitchen
- Window features: Insulated Windows
Heating
- Heating features: Forced Air
Interior Area
- Total structure area: 560
- Total interior livable area: 560 sqft
Kitchen
- Level: Main
- Area: 120
- Dimensions: 8.00 x 15.00
Laundry
- Level: Main
- Area: 36
- Dimensions: 6.00 x 6.00
Living Room
- Level: Main
- Area: 180
- Dimensions: 12.00 x 15.00
Master Bedroom
- Level: Main
- Area: 120
- Dimensions: 10.00 x 12.00
Property
Details
- Parcel number: 1412006003203 and pt of 1412006000320
Features
- Stories: 1
- Waterfront features: Lake
- Waterbody name: Birch Lake
Lot
- Lot size: 0.38 Acres
- Features: Level
- Lot size dimensions: Irregular
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
- Cold Wave
- Hail
- Tornado
- Inland Flooding
- Lightning
- Winter Weather
How This Home’s Risks Compare
FEMA Declared Disasters in Cass 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 | $1,769 | $21,228 |
| Home Insurance * | $124 | $1,488 |
| Property Taxes | $409 | $4,908 |
| Electricity | $188 | $2,259 |
| Total | $2,490 | $29,880 |
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 |
|---|---|---|
| 2026-08-04 | Price change | $260,000 |
| 2026-06-26 | Listed for sale | $350,000 |
View on Zillow