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8670 N Island Dr Lot 32, Stanwood, MI, 49346

2beds
2baths
2,047sqft
$699,900
$342price/sqft
$4,583/moest. monthly cost
$183,320/yrincome needed

About This Home

Welcome to your Canadian Lakes-- Lake of the Clouds waterfront retreat--an exceptional, nearly new home offering the perfect blend of modern comfort and serene natural beauty. Just two years old, this thoughtfully designed residence features a stunning open-concept great room, ideal for both everyday living and entertaining. Enjoy the outdoors from expansive, multi-level decks that overlook peaceful water views and a private, wooded setting. The covered deck provides a perfect space to relax and take in the quiet, scenic surroundings year-round. Inside, you'll find a spacious pantry, a custom-designed mudroom, and a well-appointed layout that combines function with style. The walkout basement is already prepped and designed for finishing, offering the opportunity to add additional bedrooms, bathrooms, and living space tailored to your needs. Car enthusiasts and hobbyists will appreciate the incredible three-stall garage, providing ample space for storage and recreational gear. indoor/outdoor pools, workout facility, pickle ball, access to several private lakes, skiing, jetting, fishing, and miles of hiking and biking trails. This is a rare find that will surely meet and exceed all your expectations! Schedule your private showing today!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
9
BikeSomewhat Bikeable

Schools

7/10
Mecosta Elementary SchoolGrades PK-44.6 mi
6/10

Construction

Condition

  • Year built: 2024

Materials

  • Roof: Composition
  • Construction materials: Stone,Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Built-In Gas Oven,Dishwasher,Dryer,Microwave,Oven,Range,Refrigerator,Washer
  • Laundry features: Laundry Room,Main Level

Basement

  • Has basement: Yes
  • Basement: Full,Walk-Out Access

Bathroom1

  • Level: Main
  • Area: 143
  • Dimensions: 13.00 x 11.00

Bedroom2

  • Level: Main
  • Area: 121.5
  • Dimensions: 13.50 x 9.00

Bedrooms & Bathrooms

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

Dining Area

  • Level: Main
  • Area: 132.25
  • Dimensions: 11.50 x 11.50

Family Room

  • Level: Main
  • Area: 407
  • Dimensions: 22.00 x 18.50

Features

  • Ceiling Fan(s),Center Island,Eat-in Kitchen,Pantry
  • Window features: Screens,Insulated Windows
  • Flooring: Engineered Hardwood
  • Number of fireplaces: 1
  • Fireplace features: Living Room
  • Fireplace: Yes
  • Finished area below ground: 0

Heating & Cooling

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

Interior Area

  • Total structure area: 2,047
  • Total interior livable area: 2,047 sqft

Kitchen

  • Level: Main
  • Area: 230
  • Dimensions: 20.00 x 11.50

Laundry

  • Level: Main
  • Area: 84
  • Dimensions: 10.50 x 8.00

Master Bathroom

  • Level: Main
  • Area: 150
  • Dimensions: 12.00 x 12.50

Master Bedroom

  • Level: Main
  • Area: 248
  • Dimensions: 16.00 x 15.50

Other

  • Level: Main
  • Area: 70
  • Dimensions: 10.00 x 7.00

Other

  • Level: Main
  • Area: 132
  • Dimensions: 12.00 x 11.00

Other

  • Level: Main
  • Area: 100
  • Dimensions: 8.00 x 12.50

Property

Details

  • Parcel number: 5411161033000

Features

  • Stories: 1
  • Pool features: Association Indoor Pool,Association
  • Exterior features: Balcony
  • Spa features: Association
  • On waterfront: Yes
  • Waterfront features: Lake
  • Waterbody name: Lake Of The Clouds

Lot

  • Lot size: 0.53 Acres
  • Features: Recreational,Wooded
  • Lot size dimensions: 120 x 198 x 122 x 179

Parking

  • Total spaces: 3
  • Parking features: Garage Door Opener,Attached
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

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
  • Cold Wave
    Cold WaveModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Strong Wind
Winter Weather
Cold Wave
Lightning
Tornado

FEMA Declared Disasters in Mecosta 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 $3,539$42,468
Home Insurance *$279$3,348
Property Taxes $542$6,504
Electricity $223$2,679
Total$4,583$54,996
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$157,131/yr
40% on housing$137,490/yr
45% on housing$122,213/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: 5.0%
5.0%
0%30.0%
Electricity Growth Rate10-year average: 3.9%
3.9%
0%15.0%
Property Taxes Growth Rate2-year average: 1.9%
1.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$342This listing

vs Other Active Listings

Avg $/sqft

ZIP 49346$196
Mecosta County$156

vs Homes Sold Last Month

Median $/sqft

ZIP 49346$181
Mecosta County$148

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
2026-04-21Listed for sale$749,900
2025-07-25Listing removed$699,900
2025-06-30Price change$699,900
2025-05-22Price change$749,000
2025-04-11Listed for sale$799,900

For Sale by Agent

AgentTom Garner
BrokerageCentury 21 White House Realty

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