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58484 E Clear Lake Rd, Three Rivers, MI, 49093

2beds
1baths
1,090sqft
$475,000
$436price/sqft
$3,311/moest. monthly cost
$132,440/yrincome needed

About This Home

Lake life takes center stage at this beautifully renovated 2BR, 1BA retreat on 233-acre, all-sports Clear Lake. This updated year-round cottage is move-in ready w/ new electrical, plumbing, HVAC, insulation, appliances, tankless water heater, and LVP floors. Inside, enjoy a bright living area with panoramic lake views, an all-new kitchen/dining space with patio access, oversized primary bedroom w/ multi-bunk potential, a bath with standup shower, and laundry room. Outside, an elevated patio leads to a level lawn with a private 19-foot walkout shoreline with a dock and firepit--ideal for swimming, fishing, and sunset gatherings. Set on a quiet, wooded .28-acre lot with a 2.5-car detached garage, abundant storage, shed, and room for future expansion. A 2018 Sea-Doo Spark available separately; furnishings negotiable.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Schools

7/10
Norton Elementary SchoolGrades K-51.5 mi
5/10
8/10
Three Rivers High SchoolGrades 9-125.7 mi

Construction

Condition

  • Year built: 1950

Materials

  • Roof: Composition
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Humidifier,Dishwasher,Dryer,Microwave,Oven,Range,Refrigerator,Washer
  • Laundry features: Laundry Room,Main Level

Basement

  • Basement: Crawl Space

Bathroom1

  • Level: Main
  • Area: 48
  • Dimensions: 8.00 x 6.00

Bedroom2

  • Level: Main
  • Area: 88
  • Dimensions: 8.00 x 11.00

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1
  • Main level bedrooms: 2

Features

  • Ceiling Fan(s),Eat-in Kitchen

Heating & Cooling

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

Interior Area

  • Total structure area: 1,090
  • Total interior livable area: 1,090 sqft

Kitchen

  • Level: Main
  • Area: 176
  • Dimensions: 11.00 x 16.00

Laundry

  • Level: Main
  • Area: 56
  • Dimensions: 7.00 x 8.00

Living Room

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

Master Bedroom

  • Level: Main
  • Area: 240
  • Dimensions: 15.00 x 16.00

Other

  • Level: Main
  • Area: 99
  • Dimensions: 11.00 x 9.00

Other

  • Level: Main
  • Area: 576
  • Dimensions: 24.00 x 24.00

Utility Room

  • Level: Main
  • Area: 56
  • Dimensions: 7.00 x 8.00

Property

Details

  • Parcel number: 7500446003900

Features

  • Stories: 1
  • On waterfront: Yes
  • Waterfront features: Lake
  • Waterbody name: Clear Lake

Lot

  • Lot size: 0.28 Acres
  • Features: Rolling Hills,Ground Cover,Shrubs/Hedges
  • Lot size dimensions: Irregular

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

  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Lightning
Strong Wind
Cold Wave
Hail
Tornado
Winter Weather

FEMA Declared Disasters in St. Joseph 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 $2,401$28,812
Home Insurance *$323$3,876
Property Taxes $399$4,788
Electricity $188$2,259
Total$3,311$39,732
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$113,520/yr
40% on housing$99,330/yr
45% on housing$88,293/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: 10.8%
10.8%
0%30.0%
Electricity Growth Rate10-year average: 3.9%
3.9%
0%15.0%
Property Taxes Growth Rate2-year average: 1.8%
1.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$436This listing

vs Other Active Listings

Avg $/sqft

ZIP 49093$192
St. Joseph County$163

vs Homes Sold Last Month

Median $/sqft

ZIP 49093$145
St. Joseph County$142

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
2026-05-07Listed for sale$510,000
2022-08-30Sold$240,000
2022-07-25Pending sale$260,000
2022-07-19Price change$260,000
2022-07-03Price change$275,000
2022-06-22Price change$295,000
2022-06-10Listed for sale$319,900

For Sale by Agent

AgentPaul DeLano
BrokerageLake Life Realty

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