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1442 Indian Point Rd, Brutus, MI, 49716

5beds
6baths
5,911sqft
$3,990,000
$675price/sqft
$31,024/moest. monthly cost
$1,240,960/yrincome needed

About This Home

Set along 200 feet of sandy shoreline on Burt Lake’s most coveted stretch, this exceptional property captures everything that draws families north. Nearly two acres of manicured grounds, soft beaches, and open blue water come together in one unforgettable setting perfectly positioned on the western shore of Burt Lake, closest to Petoskey and Harbor Springs. A place where generations can gather, celebrate, and belong. Designed with intention, this custom-built five-bedroom, five-and-a-half-bath residence blends craftsmanship and comfort in perfect measure. Expansive windows frame the lake from nearly every room, filling the home with light and a sense of calm that’s hard to put into words. Inside, soaring ceilings, warm wood tones, and thoughtful architectural details make every space feel both grand and intimate. A rare and remarkable feature of this property is the attached guest quarters, complete with its own entrance, kitchen, and garage, providing ideal privacy for extended family or guests. Whether used as a separate retreat or seamlessly integrated into the main home, it’s a design element seldom found on Burt Lake and one that speaks to the thoughtfulness behind every inch of this estate. Outdoors, broad lakeside patios and decks invite endless summer gatherings, while the backdrop of 484 acres of protected conservancy land offers peace, privacy, and miles of trails to explore year-round. Part of Michigan’s famed Inland Waterway, Burt Lake connects you to miles of navigable rivers and lakes, yet it’s this specific setting on Colonial Point that truly sets it apart. This is more than a lake house; it’s a legacy property meant to be shared, cherished, and passed down through generations.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

9/10
5/10

Construction

Condition

  • Year built: 1988

Materials

  • Construction materials: Wood Frame/Site Built,Log

Type & Style

  • Home type: SingleFamily

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Refrigerator,Washer,Dryer,Range

Basement

  • Basement: Crawl Space

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 6
  • Full bathrooms: 5
  • 1/2 bathrooms: 1

Features

  • Cathedral Ceiling(s)
  • Flooring: Wood
  • Fireplace features: Gas,Wood Burning
  • Fireplace: Yes

Heating

  • Heating features: LP Gas,Hot Water Baseboard,Geothermal

Interior Area

  • Total interior livable area: 5,911 sqft

Property

Details

  • Parcel number: 120B0700001100

Features

  • Patio & porch: Deck
  • Exterior features: Dock
  • On waterfront: Yes
  • Waterfront features: Waterfront

Lot

  • Features: Paved,Sprinkler System,Near Snowmobile Trails

Parking

  • Parking features: Attached Garage
  • Has garage: Yes
  • Covered spaces: 3

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

  • Inland Flooding
    Inland FloodingVery High
  • Cold Wave
    Cold WaveRelatively High
  • Hail
    HailModerate
  • Lightning
    LightningModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Inland Flooding
Cold Wave
Hail
Lightning
Tsunami

FEMA Declared Disasters in Cheboygan 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 $20,175$242,100
Home Insurance *$3,738$44,856
Property Taxes $6,467$77,604
Electricity $644$7,736
Total$31,024$372,288
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$1,063,680/yr
40% on housing$930,720/yr
45% on housing$827,306/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: 8.1%
8.1%
0%30.0%
Electricity Growth Rate10-year average: 3.9%
3.9%
0%15.0%
Property Taxes Growth Rate2-year average: 1.7%
1.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$675This listing

vs Other Active Listings

Avg $/sqft

ZIP 49716$588
Cheboygan County$191

vs Homes Sold Last Month

Median $/sqft

ZIP 49716
Cheboygan County$131

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
2026-01-09Price change$4,495,000
2025-10-22Listed for sale$4,950,000
2025-10-17Listing removed$4,950,000
2025-08-01Price change$4,950,000
2025-05-13Listed for sale$5,250,000
2024-10-06Listing removed$5,250,000
2024-09-26Listed for sale$5,250,000

For Sale by Agent

AgentWally Kidd
BrokerageKidd & Leavy Real Estate Co. LLC

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