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120 Birch Ln, Cadillac, MI, 49601

4beds
2baths
1,750sqft
$429,000
$245price/sqft
$3,354/moest. monthly cost
$134,160/yrincome needed

About This Home

Cozy, Comfortable and Quiet Chalet 3 Bedroom 2 bath home on the canal attached to Lake Mitchell. Home is located on 3 LOTS FOR A TOTAL OF 241 FT ON THE WATER! Beautiful treed yard, extra finished bonus room above the garage for vacation/summer company, Large attached garage With third stall for storage. Gas fireplace, and large deck overlooking the Canal. Very peaceful setting with much wildlife. Relax and enjoy this wonderful home nestled on the canal of Lake Mitchell. The canal offers full boating access to Lake Mitchell, and our 240 feet of canal frontage makes for some of the best land fishing Lake Mitchell has to offer! The three large lots offer plenty of outdoor space for parking and entertaining. Walk out your front door and have direct access to the Manistee National Forest trail system.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

9/10
7/10
6/10

Construction

Materials

  • Roof: Shake / Shingle

Type & Style

  • Home type: SingleFamily

Interior

Appliances

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

Basement

  • Basement: None

Bedrooms & Bathrooms

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

Features

  • Flooring: Tile,Carpet
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Heat pump,Wall,Electric,Propane / Butane
  • Cooling features: Central

Interior Area

  • Total interior livable area: 1,750 sqft

Property

Details

  • Parcel number: 2110HP72

Features

  • Exterior features: Shingle,Vinyl,Wood,Brick
  • Has view: Yes
  • View description: Water
  • Has water view: Yes
  • Water view: Water
  • On waterfront: Yes

Lot

  • Lot size: 0.36 Acres

Parking

  • Total spaces: 6
  • Parking features: Garage - Attached,Off-street

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

  • Winter Weather
    Winter WeatherVery High
  • Cold Wave
    Cold WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Hail
    HailModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Winter Weather
Cold Wave
Inland Flooding
Lightning
Strong Wind
Hail
Tornado

FEMA Declared Disasters in Wexford 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 $2,169$26,028
Home Insurance *$213$2,556
Property Taxes $782$9,384
Electricity $190$2,290
Total$3,354$40,248
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$114,994/yr
40% on housing$100,620/yr
45% on housing$89,440/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: 5.0%
5.0%
0%30.0%
Electricity Growth Rate10-year average: 3.9%
3.9%
0%15.0%
Property Taxes Growth Rate2-year average: 0.1%
0.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$245This listing

vs Other Active Listings

Avg $/sqft

ZIP 49601$148
Wexford County$135

vs Homes Sold Last Month

Median $/sqft

ZIP 49601$164
Wexford County$168

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)

No zestimate history available

Price History

DateEventPrice
2026-05-03Price change$439,000
2026-03-22Listed for sale$449,000
2025-07-15Listing removed--
2025-03-30Listed for sale$449,000
2025-02-09Listing removed--
2024-11-10Listed for sale$499,999
2024-11-06Listing removed$2,000
2024-09-30Listed for rent$2,000
2016-02-26Sold$135,500

For Sale by Owner

AgentProperty Owner

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