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163 N Scott Dr, Farwell, MI, 48622

5beds
2baths
2,275sqft
$429,900
$189price/sqft
$3,261/moest. monthly cost
$130,440/yrincome needed

About This Home

Welcome to one of the most impressive WATERFRONT homes on beautiful Lake 13 in Clare County! This exceptional 2-story, 2,275-square-foot residence is one of the largest home on the lake, offering year-round enjoyment, breathtaking sunsets, and outstanding updates throughout off their DOCK. Perfectly positioned Southern exposure, this WATERFRONT home is filled with abundant natural light while showcasing spectacular evening sunsets across the water. Spacious living areas provides plenty of room for entertaining and hosting family and friends, while the second-floor den creates the perfect gathering space for overnight guests or a relaxing retreat. Step outside to enjoy the beautifully designed outdoor living space featuring tiered decking, a cozy fire pit with seating, and decking leading to the 50 foot water frontage to your boat. Spacious backyard is ideal for family games, lakeside gatherings, parking and making memories that last a lifetime. The great room includes a surround sound Bose system & projector/screen. This move-in-ready home has been extensively updated, including: New roof Freshly painted exterior Two-sided natural gas fireplace plus a second fireplace Updated interior lighting Two new solar skylights with built-in blinds Replacement windows and doorwall New main-level flooring Updated main-floor bathroom Whole-house generator Dual-zoned heating system New well (approximately 3 years old) Water heater (approximately 2 years old) Situated in a protected cove, this property offers excellent conditions for both shoreline preservation and boating. A quality seawall adds lasting value and peace of mind. Lake 13 is a nearly 100-acre all-sports lake with an average depth of approximately 35 feet deep, making it ideal for boating, fishing, kayaking, swimming, tubing, and year-round recreation. The property has also previously served as a successful VRBO vacation rental, presenting an excellent opportunity for those seeking income potential.

Getting Around

2
WalkingCar-Dependent
0
TransitVery Limited Transit
28
BikeSomewhat Bikeable

Schools

4/10
Farwell Middle SchoolGrades 4-71.8 mi
7/10
Farwell High SchoolGrades 8-121.9 mi
4/10
Farwell Elementary SchoolGrades PK-31.8 mi

Construction

Condition

  • Year built: 1987

Materials

  • Foundation: Slab
  • Roof: Metal/Steel
  • Construction materials: Frame,Wood Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Other,Cape Cod
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Refrigerator,Oven/Range,Dishwasher,Microwave,Washer,Dryer,Exhaust Fan,Gas Water Heater
  • Laundry features: Upper Level

Bedroom2

  • Level: Upper
  • Area: 221.95

Bedroom3

  • Level: Lower
  • Area: 82

Bedroom4

  • Level: Main
  • Area: 208.25

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bathrooms: 1
  • Main level bedrooms: 1

Dining Room

  • Level: Main
  • Area: 8.52

Family Room

  • Level: Main
  • Area: 222.25

Features

  • Pantry,Solarium/Sun Room,Breakfast Nook,Kitchen Island,Den/Study,Vaulted Ceiling(s),Drywall,Ceiling Fan(s),Cable TV,WiFi
  • Window features: Skylight(s),Low Emissivity Windows,Blinds,Drapes,Curtain Rods
  • Flooring: Luxury Vinyl Plank,Carpet,Laminate
  • Fireplace features: Gas,Heatilator,Masonry
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 2,275

Heating & Cooling

  • Heating features: Forced Air,Natural Gas,Fireplace(s)
  • Cooling features: Zoned,Window Unit(s),Window A/C Unit(s)

Interior Area

  • Total structure area: 2,275
  • Total interior livable area: 2,275 sqft

Kitchen

  • Level: Main
  • Area: 64

Living Room

  • Level: Main
  • Area: 436.6

Master Bathroom

  • Features: Shared

Master Bedroom

  • Level: Upper
  • Area: 241.4

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 1801476027900
  • Zoning description: Residential,Outbuildings Allowed
  • Other equipment: Dish TV,TV Antenna

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Deck,Multi-Level Decking,Patio,Covered,Porch
  • Exterior features: Garden,Rain Gutters,Dock
  • Fencing: Fenced
  • On waterfront: Yes
  • Waterfront features: Inland Lake,Island,All Sports,Sandy Bottom,Gradual Slope to Water,Vegetation to Water Edge,Deeded Easement,Lake,Sandy Shoreline
  • Waterbody name: Lake Thirteen
  • Frontage type: Waterfront
  • Frontage length: 50

Lot

  • Lot size: 8,712 sqft
  • Features: Level,Subdivided
  • Lot size dimensions: 45 x

Parking

  • Parking features: None,RV Access/Parking

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 WaveRelatively High
  • Lightning
    LightningRelatively High
  • Hail
    HailModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Strong Wind
Winter Weather
Cold Wave
Lightning
Hail
Tornado

FEMA Declared Disasters in Clare 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 $2,173$26,076
Home Insurance *$486$5,832
Property Taxes $354$4,248
Electricity $248$2,977
Total$3,261$39,132
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$111,805/yr
40% on housing$97,830/yr
45% on housing$86,960/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: 5.3%
5.3%
0%30.0%
Electricity Growth Rate10-year average: 3.9%
3.9%
0%15.0%
Property Taxes Growth Rate2-year average: 4.1%
4.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$189This listing

vs Other Active Listings

Avg $/sqft

ZIP 48622$280
Clare County$139

vs Homes Sold Last Month

Median $/sqft

ZIP 48622
Clare County$113

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
2026-08-15Price change$418,900
2026-07-28Listed for sale$429,900
2019-01-31Sold$117,400
2018-11-09Price change$124,900
2018-10-03Price change$129,900
2018-09-26Price change$134,900
2018-08-27Price change$139,900
2018-08-12Price change$144,900
2018-07-18Price change$149,900
2018-07-05Price change$154,900
2018-06-13Listed for sale$159,900

For Sale by Agent

AgentDeb Morris
BrokerageCOLDWELL BANKER MT. PLEASANT REALTY

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