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6685 M 66 N Lot 121, Charlevoix, MI, 49720

4beds
2baths
1,512sqft
$129,400
$86price/sqft
$969/moest. monthly cost
$38,760/yrincome needed

About This Home

Welcome to one of the most desirable homes in Charlevoix Estates! This spacious 4-bedroom, 2-bath manufactured home, built in 2019, is set on a premium lot with no neighboring home on one side, offering an open, peaceful setting that looks out toward the clubhouse, basketball courts, playground, and community green space. It’s a rare blend of privacy and walkable convenience within the park. With four true bedrooms, this home stands out, offering flexibility rarely found in the community. Whether you need space for a larger household, a home office, guest rooms or hobby space, the layout provides options to fit a variety of lifestyles. Inside, you’ll find luxury laminate flooring, attractive cabinetry, and a bright, open floor plan that feels both welcoming and functional. The home also includes a stackable washer/dryer, a microwave with built in Wi-Fi, a 'smart' thermostat by NEST, and added handrails in the bathroom, providing extra stability and safety for showering and everyday use. Outdoor living is another highlight. A new professionally built deck, constructed with treated lumber, offers long-term durability and minimal maintenance. The deck features integrated raised flower boxes and a gated entry that opens directly to expansive green space, enhancing the sense of openness and privacy and is ideal for pet owners . A cement patio and shed out back remains perfect for grilling or outdoor storage, while a new front entry stair system adds both curb appeal and easy access. This well-maintained home stands out for its rare 4-bedroom layout, exceptional lot, thoughtful accessibility upgrades, new appliances, and high-quality outdoor improvements, making it one of the most attractive opportunities currently available in Charlevoix Estates.

Getting Around

25
WalkingCar-Dependent
0
TransitVery Limited Transit
39
BikeSomewhat Bikeable

Schools

6/10
9/10
Charlevoix High SchoolGrades 7-121.2 mi

Construction

Condition

  • Year built: 2019

Type & Style

  • Home type: SingleFamily

Interior

Appliances

  • Appliances included: Built-in Microwave,Dishwasher,Disposal,Refrigerator,Washer,Dryer,Range

Basement

  • Basement: None

Bedroom

  • Area: 137.25

Bedroom1

  • Area: 137.25

Bedroom2

  • Area: 122.62500000000001

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2

Dining Room

  • Area: 200.25

Heating & Cooling

  • Heating features: Natural Gas,Forced Air
  • Cooling features: Ceiling Fan(s),Central Air

Interior Area

  • Total interior livable area: 1,512 sqft

Kitchen

  • Area: 217.12499999999997

Living Room

  • Area: 221.62500000000003

Master Bedroom

  • Area: 182.25

Property

Features

  • Levels: One
  • Stories: 1
  • Private pool: Yes
  • Pool features: Pool
  • Patio & porch: Deck,Patio

Parking

  • Parking features: No Garage Or Carport

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
    Cold WaveVery High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Cold Wave
Lightning
Strong Wind
Tsunami

FEMA Declared Disasters in Charlevoix 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 $654$7,848
Home Insurance *$37$444
Property Taxes $90$1,080
Electricity $188$2,259
Total$969$11,628
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$33,222/yr
40% on housing$29,070/yr
45% on housing$25,840/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: 5.9%
5.9%
0%30.0%
Electricity Growth Rate10-year average: 3.9%
3.9%
0%15.0%
Property Taxes Growth Rate2-year average: 0.4%
0.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$86This listing

vs Other Active Listings

Avg $/sqft

ZIP 49720$293
Charlevoix County$290

vs Homes Sold Last Month

Median $/sqft

ZIP 49720
Charlevoix County$293

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

DateEventPrice
2026-05-01Price change$144,700
2026-02-26Price change$149,700
2026-02-02Listed for sale$156,500
2025-07-10Listing removed$129,900
2025-06-08Listed for sale$129,900
2019-07-03Listing removed$74,674
2019-01-04Listed for sale$74,674

For Sale by Agent

AgentTom Schultz
BrokerageReal Estate One - Charlevoix

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