13670 Cottonwood Ln, Harbert, MI, 49115
About This Home
Spacious, light-filled custom 4br/4ba beach house on over 1 acre with a gorgeous beach at the end of the street. This distinctively designed home has exposed beams, and a beautiful wood ceiling in a 2-story central living space. Open living/dining area includes a wood stove for chilly nights and a wall of windows overlooking the large back yard. The adjacent den adds guest or work-from-home space, while the kitchen and pantry/breakfast bar overlook the yard. The generous primary suite has a fireplace and a spa-style bath, and private patio. Additional bedrooms and a sunroom/studio are cleverly situated on the other side of the house to add privacy, while offering room for everyone to gather comfortably. Upstairs loft adds flexibility to create more sleep/play space. 2-car garage w/workout space! Huge back yard is pool/sport court ready! Located close to gorgeous Harbert Beach, this home delivers serenity and style with easy access to everything Harbor Country has to offe
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 2004
Materials
- Roof: Metal
- Construction materials: Wood Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Contemporary
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Humidifier,Dishwasher,Disposal,Dryer,Microwave,Range,Refrigerator,Washer
- Laundry features: Main Level
Basement
- Basement: Crawl Space
Bathroom1
- Level: Main
- Area: 55
- Dimensions: 11.00 x 5.00
Bathroom2
- Level: Main
- Area: 80
- Dimensions: 8.00 x 10.00
Bathroom3
- Level: Main
- Area: 50
- Dimensions: 5.00 x 10.00
Bedroom2
- Level: Main
- Area: 132
- Dimensions: 11.00 x 12.00
Bedroom3
- Level: Main
- Area: 132
- Dimensions: 11.00 x 12.00
Bedroom4
- Level: Main
- Area: 198
- Dimensions: 18.00 x 11.00
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 4
- Full bathrooms: 4
- Main level bedrooms: 4
Dining Room
- Level: Main
- Area: 200
- Dimensions: 20.00 x 10.00
Features
- Ceiling Fan(s)
- Window features: Skylight(s)
- Flooring: Tile,Wood
- Number of fireplaces: 2
- Fireplace features: Living Room,Master Bedroom
- Fireplace: Yes
Heating & Cooling
- Heating features: Forced Air
- Cooling features: Central Air
Interior Area
- Total structure area: 2,661
- Total interior livable area: 2,661 sqft
Kitchen
- Level: Main
- Area: 96
- Dimensions: 12.00 x 8.00
Laundry
- Level: Main
- Area: 54
- Dimensions: 6.00 x 9.00
Living Room
- Level: Main
- Area: 208
- Dimensions: 16.00 x 13.00
Master Bathroom
- Level: Main
- Area: 80
- Dimensions: 8.00 x 10.00
Master Bedroom
- Level: Main
- Area: 324
- Dimensions: 18.00 x 18.00
Other
- Level: Main
- Area: 84
- Dimensions: 7.00 x 12.00
Other
- Level: Upper
Property
Details
- Parcel number: 110700090018041
Features
- Stories: 2
- Patio & porch: Scrn Porch
- Waterfront features: Lake
- Waterbody name: Lake Michigan
Lot
- Lot size: 1.18 Acres
- Features: Wooded,Shrubs/Hedges
- Lot size dimensions: 130 x 174
Parking
- Total spaces: 2
- Parking features: Detached,Garage Door Opener
- Has garage: Yes
- Attached garage spaces: 2
- Covered spaces: 2
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
- Hail
- Inland Flooding
- Strong Wind
- Tornado
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters in Berrien 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 | $6,042 | $72,504 |
| Home Insurance * | $111 | $1,332 |
| Property Taxes | $1,015 | $12,180 |
| Electricity | $290 | $3,482 |
| Total | $7,458 | $89,496 |
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 |
|---|---|---|
| 2026-04-29 | Price change | $1,299,000 |
| 2026-04-15 | Listed for sale | $1,399,000 |
| 2024-07-19 | Sold | $1,120,000 |
| 2024-04-22 | Contingent | $1,200,000 |
| 2024-03-18 | Listed for sale | $1,200,000 |
| 2024-03-18 | Listing removed | -- |
| 2023-09-25 | Listed for sale | $1,280,000 |
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