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19105 Diller Rd, Germfask, MI, 49836

4beds
3baths
3,788sqft
$850,000
$224price/sqft
$5,367/moest. monthly cost
$214,680/yrincome needed

About This Home

Looking for your forever home? This luxury Big Manistique Lake property offers approximately 7 acres on both sides of the road, with 174.5’ of lake frontage plus creek frontage. Custom built in 2005 with a large addition in 2015, the 3,788 sq. ft. home features 4 bedrooms, 2.5 baths, a loft an attached heated, insulated garage, and a heated, insulated drive-through pole building (2,048sf) with a workshop, water and 220 amp service plus lean-to. The home is well insulated and highly efficient. Inside, a wall of windows showcases fantastic water views or enjoy sitting on the 20 x 20 trex deck. The great room offers high ceilings, clerestory windows, and a loft. The main-floor primary suite includes a private bath with a soaking tub and separate shower. The custom kitchen features soft maple cabinetry, a breakfast bar, and an adjoining office space. Additional highlights include lifetime roof, landscaping, two furnaces, central air, a whole-house generator, gutter guards, good water with heated and insulated garage. Most upstairs furniture included-ask for the list. The property is preserved with a retaining wall in place at the waterfront. This is a quiet location on an all-sports lake in the heart of the Upper Peninsula.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

4/10
Newberry Area SchoolGrades PK-1218.0 mi

Construction

Condition

  • Year built: 2005

Materials

  • Construction materials: Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Cape Cod
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Microwave,Range/Oven,Refrigerator,Washer,Water Softener Owned,Tankless Water Heater
  • Laundry features: First Floor Laundry

Basement

  • Basement: None,Crawl Space

Bathroom1

  • Level: First

Bathroom2

  • Level: First

Bedroom1

  • Level: First
  • Area: 280

Bedroom2

  • Level: Second
  • Area: 400

Bedroom3

  • Level: Second
  • Area: 192

Bedroom4

  • Level: Second
  • Area: 234

Bedrooms & Bathrooms

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

Features

  • High Ceilings,Sump Pump
  • Window features: Skylight(s)
  • Finished area below ground: 0
  • Finished area above ground: 3,788

Heating & Cooling

  • Heating features: Forced Air,Propane
  • Cooling features: Central Air

Interior Area

  • Total structure area: 3,788
  • Total interior livable area: 3,788 sqft

Property

Details

  • Parcel number: 01010800400; 00430; 00440
  • Zoning description: Residential
  • Special condition: Private,Standard

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Deck,Porch
  • Has view: Yes
  • View description: Water
  • Has water view: Yes
  • Water view: Water
  • On waterfront: Yes
  • Waterfront features: All Sports Lake,Waterfront,Beach Front,Interior Lake,Sandy Bottom
  • Waterbody name: Big Manistique Lake
  • Frontage length: 175

Lot

  • Lot size: 7 Acres
  • Features: Dead End,Rural,Sloped
  • Lot size dimensions: Irregular

Parking

  • Total spaces: 8
  • Parking features: 3 or More Spaces,Garage,Driveway,Attached,Detached,Garage Door Opener,Heated Garage,Workshop in Garage
  • Has garage: Yes
  • Attached garage spaces: 8
  • Covered spaces: 8

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

  • Inland Flooding
    Inland FloodingRelatively High
  • Cold Wave
    Cold WaveModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Inland Flooding
Cold Wave
Lightning
Winter Weather
Tsunami

FEMA Declared Disasters in Mackinac 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 $4,298$51,576
Home Insurance *$182$2,184
Property Taxes $474$5,688
Electricity $413$4,958
Total$5,367$64,404
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$184,011/yr
40% on housing$161,010/yr
45% on housing$143,120/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: 11.0%
11.0%
0%30.0%
Electricity Growth Rate10-year average: 3.9%
3.9%
0%15.0%
Property Taxes Growth Rate2-year average: 5.1%
5.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$224This listing

vs Other Active Listings

Avg $/sqft

ZIP 49836$146
Mackinac County$182

vs Homes Sold Last Month

Median $/sqft

ZIP 49836
Mackinac County$194

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
2026-07-30Price change$850,000
2026-06-19Price change$895,000
2026-06-04Listed for sale$925,000

For Sale by Agent

AgentKRISTINE MCCRAREN
BrokerageGROVER REAL ESTATE-NEWBERRY

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