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303 Terrace Point Cir, Muskegon, MI, 49440

3beds
3baths
1,638sqft
$879,000
$537price/sqft
$5,572/moest. monthly cost
$222,880/yrincome needed

About This Home

Our house has 3 bedrooms and 2 1/2 bathrooms with several upgrades. 70 ft permanent dock,7000 lb boat lift, Giant gas fire pit, 60"gas fireplace, Whole house stand by Generac generator, Custom epoxy garage floor, and much more.... Beautiful Muskegon Lakefront home with constant Great Lakes ships cruising by. House features: 60 inch natural gas fireplace, floor to ceiling stone fireplace, vaulted ceilings with large lakefront windows, under cabinet lighting throughout, large storage room on lower level. Waterfront: 70 foot dock with power and double pilings,center dock seating, swim ladder,remote 7000 pound boat lift, 2 kayak holders on dock, deck box on dock, dock lights, 2 dock bubblers with wifi remote. Patio: Trex deck, under deck water diversion system, stone steps to lower patio, large lower paver patio, jumbo 45" diameter natural gas fire pit with cover and shutoff, electric hookup for future hot tub. Garage: retractable screen door from garage to house, pull down stairs and storage above garage, garage has polyurea epoxy floor, ceiling mounted electric bike lift, custom shed roof above garage door, stone trim on garage. Buyer is responsible for verifying all details.

Getting Around

34
WalkingCar-Dependent
0
TransitVery Limited Transit
69
BikeBikeable

Schools

--
Moon Elementary SchoolGrades PK-51.9 mi
3/10
4/10
Muskegon High SchoolGrades 9-121.3 mi

Construction

Condition

  • Year built: 2019

Materials

  • Roof: Asphalt

Type & Style

  • Home type: SingleFamily

Interior

Appliances

  • Appliances included: Dishwasher,Garbage disposal,Microwave,Range / Oven,Refrigerator

Basement

  • Basement: Partially finished

Bedrooms & Bathrooms

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

Features

  • Flooring: Tile,Carpet,Laminate
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Forced air,Gas
  • Cooling features: Central

Interior Area

  • Total interior livable area: 1,638 sqft

Property

Details

  • Parcel number: 6124793000002300

Features

  • Exterior features: Stone,Vinyl
  • Has view: Yes
  • View description: Water
  • Has water view: Yes
  • Water view: Water
  • On waterfront: Yes

Lot

  • Lot size: 3,314 sqft

Parking

  • Total spaces: 5
  • Parking features: Garage - Attached,Off-street

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 WindRelatively High
  • Tornado
    TornadoModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Strong Wind
Tornado
Tsunami

FEMA Declared Disasters in Muskegon 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 $4,444$53,328
Home Insurance *$135$1,620
Property Taxes $805$9,660
Electricity $188$2,259
Total$5,572$66,864
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$191,040/yr
40% on housing$167,160/yr
45% on housing$148,586/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: 9.1%
9.1%
0%30.0%
Electricity Growth Rate10-year average: 3.9%
3.9%
0%15.0%
Property Taxes Growth Rate2-year average: -0.1%
-0.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$537This listing

vs Other Active Listings

Avg $/sqft

ZIP 49440$167
Muskegon County$152

vs Homes Sold Last Month

Median $/sqft

ZIP 49440$433
Muskegon County$174

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
2026-07-24Price change$879,000
2026-05-19Listed for sale$895,000

For Sale by Owner

AgentProperty Owner

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