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2743 Hemlock Rd, Quincy, MI, 49082

5beds
4baths
2,448sqft
$449,900
$184price/sqft
$3,217/moest. monthly cost
$128,680/yrincome needed

About This Home

Rare opportunity on the desirable 3-lake chain in Hillsdale County, MI. via Carpenter Lake! This unique waterfront property features two homes--perfect for multi-generational living, rental income, or a private retreat. House #1 (2 bed/1 bath) offers updated solid wood interior doors, new hardware, and refreshed trim for clean, move-in ready living. House #2 (3 bed/3 bath) has had extensive upgrades including a fully excavated, insulated, and encapsulated crawl space, all new rough plumbing, updated bath fixtures, and new mini-split systems for efficient heating and cooling. Additional improvements include a tankless on-demand water heater, propane line, new electrical for stove and vanity lighting, and a brand-new stacked LG washer/dryer. Both homes feature WiFi-enabled locks for added convenience. Enjoy boating, fishing, and lake living across all three connected lakes--an incredible lifestyle and investment opportunity!

Getting Around

5
WalkingCar-Dependent
0
TransitVery Limited Transit
26
BikeSomewhat Bikeable

Schools

6/10
5/10
Reading High SchoolGrades 7-124.4 mi

Construction

Condition

  • Year built: 1980

Materials

  • Roof: Asphalt
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Oven,Refrigerator,Washer
  • Laundry features: Main Level

Basement

  • Basement: Crawl Space

Bedroom2

  • Level: Main
  • Area: 104.4
  • Dimensions: 11.60 x 9.00

Bedroom3

  • Area: 94.05
  • Dimensions: 9.50 x 9.90

Bedroom4

  • Level: Upper
  • Area: 184.8
  • Dimensions: 12.00 x 15.40

Bedroom5

  • Level: Upper
  • Area: 128.7
  • Dimensions: 11.00 x 11.70

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 4
  • Main level bedrooms: 3

Dining Area

  • Level: Main
  • Area: 252.48
  • Dimensions: 26.30 x 9.60

Family Room

  • Level: Main
  • Area: 170
  • Dimensions: 17.00 x 10.00

Features

  • Ceiling Fan(s),Center Island,Eat-in Kitchen,Pantry
  • Window features: Skylight(s),Screens,Replacement,Insulated Windows
  • Flooring: Carpet,Laminate

Heating & Cooling

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

Interior Area

  • Total structure area: 2,448
  • Total interior livable area: 2,448 sqft

Kitchen

  • Level: Main
  • Area: 210.9
  • Dimensions: 19.00 x 11.10

Laundry

  • Level: Main
  • Area: 93.06
  • Dimensions: 9.90 x 9.40

Living Room

  • Level: Main
  • Area: 179.8
  • Dimensions: 11.60 x 15.50

Living Room

  • Level: Main
  • Area: 402.9
  • Dimensions: 17.00 x 23.70

Loft

  • Level: Upper
  • Area: 282.1
  • Dimensions: 15.50 x 18.20

Master Bedroom

  • Level: Main
  • Area: 192.1
  • Dimensions: 17.00 x 11.30

Other

  • Level: Main
  • Area: 247.22
  • Dimensions: 26.30 x 9.40

Other

  • Level: Main
  • Area: 338.3
  • Dimensions: 17.00 x 19.90

Property

Details

  • Parcel number: 100053000390574
  • Zoning description: LR Lake Res

Features

  • Stories: 2
  • Exterior features: Other
  • On waterfront: Yes
  • Waterfront features: Lake
  • Waterbody name: Carpenter Lake

Lot

  • Lot size: 0.89 Acres
  • Features: Level
  • Lot size dimensions: 0

Parking

  • Total spaces: 2
  • Parking features: Attached,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
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Lightning
Strong Wind
Tornado
Cold Wave
Hail
Inland Flooding
Ice Storm
Winter Weather

FEMA Declared Disasters in Hillsdale 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 $2,274$27,288
Home Insurance *$335$4,020
Property Taxes $341$4,092
Electricity $267$3,204
Total$3,217$38,604
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$110,297/yr
40% on housing$96,510/yr
45% on housing$85,786/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: 7.2%
7.2%
0%30.0%
Electricity Growth Rate10-year average: 3.9%
3.9%
0%15.0%
Property Taxes Growth Rate2-year average: 2.6%
2.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$184This listing

vs Other Active Listings

Avg $/sqft

ZIP 49082$154
Hillsdale County$163

vs Homes Sold Last Month

Median $/sqft

ZIP 49082$137
Hillsdale County$159

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
2026-04-16Listed for sale$480,000
2024-07-18Sold$375,000
2024-06-12Contingent$499,900
2024-05-08Price change$499,900
2024-03-20Listed for sale$525,000
2024-02-01Listing removed--
2023-09-22Price change$599,900
2023-08-30Price change$609,900
2023-07-21Price change$634,900
2023-07-02Listed for sale$649,900
2018-11-17Listing removed$1
2018-09-21Listed for sale$1

For Sale by Agent

AgentGretchen Oberdick
BrokerageKey Realty One, LLC

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