2120 N Black River Rd, Cheboygan, MI, 49721
About This Home
Escape to Black Lake - Your Year-Round Michigan Retreat! Discover waterfront living on Black Lake, Michigan's 7th largest lake spanning 10,130 acres. This spacious 4-bedroom, 2-bath home offers the perfect blend of comfort and adventure for all seasons. Enjoy world-class fishing and boating from your doorstep, or explore hundreds of miles of trails at nearby Black Mountain Recreational Area - ideal for ORVing and hiking. Just a short drive from Cheboygan, combining peaceful lakeside living with convenient town access. The large detached garage and workshop/storage building provide ample space for toys, tools, and projects. Whether you're seeking a summer escape or year-round residence, this home delivers true Up North Michigan charm. Your lakefront lifestyle awaits on Black Lak
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Materials
- Foundation: Crawl
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Washer,Range/Oven,Refrigerator,Microwave,Dryer,Dishwasher
- Laundry features: Main Level
Basement
- Basement: None
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 2
- Full bathrooms: 2
Features
- Ceiling Fan(s),Walk-In Closet(s)
- Door features: Doorwall
- Window features: Blinds,Curtain Rods,Drapes
- Fireplace features: Gas
- Fireplace: Yes
- Finished area above ground: 1,344
Heating
- Heating features: Baseboard,Hot Water,Natural Gas
Interior Area
- Total structure area: 1,344
- Total interior livable area: 1,344 sqft
Property
Details
- Parcel number: 15102130001401
- Zoning: Lake & Stream
Features
- Stories: 2
- Patio & porch: Deck,Patio/Porch
- Exterior features: Dock
- On waterfront: Yes
- Waterfront features: Lake
- Waterbody name: Black Lake
Lot
- Lot size: 0.46 Acres
- Lot size dimensions: 50 x 494
Parking
- Parking features: Garage Door Opener
- Has garage: Yes
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
- Cold Wave
- Inland Flooding
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters in Cheboygan County and Michigan
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $2,401 | $28,812 |
| Home Insurance * | $291 | $3,492 |
| Property Taxes | $422 | $5,064 |
| Electricity | $188 | $2,259 |
| Total | $3,302 | $39,624 |
Income You'd Need if You Spent...
Michigan FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-07-30 | Listed for sale | $474,900 |
| 2015-10-23 | Sold | $141,240 |
View on Zillow