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865 E Shoreline Dr, Hope, MI, 48628

2beds
2baths
1,800sqft
$505,000
$281price/sqft
$3,467/moest. monthly cost
$138,680/yrincome needed

About This Home

This is a stunning brand new, lakefront, custom built, never occupied home!! This home features 12 ft. Tray ceilings in the homes main living area. 10ft. Ceilings in the remainder of the home. The attention to detail in this home is incredible. Arched doorway openings. Large, tall beautiful windows that are all fiberglass. Spray foam insulation in walls and ceiling. In floor heating system throughout the home and garage. The home also features a standard forced air heating system with a/c, so it has 2 heating systems. It also has an air purification system and a water purification system. The garage features in floor heat and hot and cold water. Outside there is a lush maliciously manicured lawn with a wifi capable sprinkler system. This home features a 115 ft. of galvanized steel seawall, which is a huge upgrade to standard steel. A freestanding dock that never needs to be removed off season, finished with trex. Cement around the entire home with an outdoor gas fireplace. This home features a lot across from the home that is deeded with the property for a future polebarn. You cannot build this house for the listed price. This was going to be our retirement home, but plans changed. If your looking for a brand new, never lived in home for a great price, look no further. Serious inquiries only.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

5/10
6/10

Construction

Condition

  • Year built: 2025

Materials

  • Roof: Shake / Shingle

Type & Style

  • Home type: SingleFamily

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Freezer,Range / Oven,Refrigerator,Washer

Basement

  • Basement: None

Bedrooms & Bathrooms

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

Features

  • Flooring: Tile,Laminate

Heating & Cooling

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

Interior Area

  • Total interior livable area: 1,800 sqft

Property

Details

  • Parcel number: 05004500027000

Features

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

Lot

  • Lot size: 0.43 Acres

Parking

  • Parking features: Garage - Attached

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 WaveRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Hail
    HailModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Cold Wave
Strong Wind
Winter Weather
Hail
Tornado

FEMA Declared Disasters in Midland 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 $2,553$30,636
Home Insurance *$134$1,608
Property Taxes $584$7,008
Electricity $196$2,356
Total$3,467$41,604
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$118,868/yr
40% on housing$104,010/yr
45% on housing$92,453/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: 8.7%
8.7%
0%30.0%
Electricity Growth Rate10-year average: 3.9%
3.9%
0%15.0%
Property Taxes Growth Rate2-year average: 0.6%
0.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$281This listing

vs Other Active Listings

Avg $/sqft

ZIP 48628$96
Midland County$153

vs Homes Sold Last Month

Median $/sqft

ZIP 48628$183
Midland County$140

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
2026-04-28Price change$520,000
2026-04-21Listed for sale$499,999
2024-06-24Listing removed--
2024-03-26Listed for sale$459,900
2021-11-17Listing removed--
2021-08-19Listed for sale$477,000
2019-04-25Sold$50,000

For Sale by Owner

AgentProperty Owner

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