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4690 Birchcrest Dr, Houghton Lake, MI, 48629

6beds
5baths
3,772sqft
$998,000
$265price/sqft
$6,637/moest. monthly cost
$265,480/yrincome needed

About This Home

Featured on a private drive at beautiful Houghton Lake, Michigan's largest inland lake, this extraordinary waterfront estate offers 75 feet of pristine river frontage with additional canal frontage on the opposite side, providing direct access to the sparkling waters of Houghton Lake. Across the river, panoramic views stretch over acres of untouched state land, creating a rare sense of privacy and natural beauty. Encompassing 3,772 square feet of refined living space, the residence features six-bedrooms, four-and-a-half-baths, thoughtfully designed for both grand entertaining and comfortable everyday living. The impressive 1,243-square-foot family room welcomes you with vaulted ceilings, ceramic flooring, enhanced by in-floor heat and a generous gaming area complimented by a sophisticated wet bar. Custom cabinetry, granite countertops, and remote-controlled electric blinds enhance both style and convenience, creating a warm yet upscale gathering space. The striking octagon two-story main living area offers 1,236 square feet and showcases sweeping panoramic views of water and woods from nearly every angle. The gourmet kitchen is beautifully appointed with granite countertops, a classic subway tile backsplash, custom cabinetry, and stainless-steel appliances. A high-end tongue-and-groove flooring flows seamlessly into the dining area and the impressive 21' x 24' living room, where a gas log fireplace provides an inviting focal point. The main-floor primary en suite offers a private retreat, with an independent temperature control, complete with an ADA-accessible bath, while a guest bath and laundry room add functionality to the elegant main floor layout. A stunning circular staircase leads to the equally spacious upper level, where five generously sized guest bedrooms and two full baths ensure ample accommodation for family and visitors. Designed for year-round comfort, the home is equipped with efficient four-zone boiler heating and central air conditioning. An oversized, attached heated garage offers exceptional versatility, complete with an overhead engine crane, while the expansive concrete driveway and parking area provide abundant space for vehicles and recreational equipment. Outdoor living is equally impressive, highlighted by a 900-square-foot stamped concrete patio overlooking the water-an ideal setting for sunset gatherings and riverside entertaining. A plastic dock with diving ladder and seawalls on both the river and canal sides enhance the property's waterfront functionality. With five-foot-deep river frontage and lawn irrigation system, every detail has been carefully considered. Architectural accents such as a charming cupola with a weathervane, a 30-foot flagpole, and two remote-controlled Sunsetter awnings complete this extraordinary offering. This exceptional waterfront residence combines architectural distinction, luxurious finishes, and unparalleled access to Michigan's largest inland lake-with the first time offering of this extraordinary lifestyle of relaxation, recreation, and refined lakeside living.

Getting Around

5
WalkingCar-Dependent
0
TransitVery Limited Transit
28
BikeSomewhat Bikeable

Schools

--
Collins Elementary SchoolGrades PK-27.9 mi
6/10
Houghton Lake High SchoolGrades 7-128.1 mi
5/10
Collins Elementary SchoolGrades PK-67.9 mi

Construction

Materials

  • Foundation: Crawl

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Water Heater,Washer,Range/Oven,Refrigerator,Microwave,Disposal,Dryer,Dishwasher
  • Laundry features: Main Level

Bedrooms & Bathrooms

  • Bedrooms: 6
  • Bathrooms: 5
  • Full bathrooms: 4
  • 1/2 bathrooms: 1

Features

  • Ceiling Fan(s),Vaulted Ceiling(s),Wet Bar
  • Door features: Doorwall
  • Window features: Blinds,Curtain Rods,Drapes
  • Flooring: Tile
  • Fireplace features: Gas
  • Fireplace: Yes
  • Finished area above ground: 3,772

Heating & Cooling

  • Heating features: Baseboard,Hot Water,Natural Gas,Radiant Floor
  • Cooling features: Central Air

Interior Area

  • Total structure area: 3,772
  • Total interior livable area: 3,772 sqft

Master Bedroom

  • Level: First

Property

Accessibility

  • Accessibility features: Accessible Doors,Access-Main Flr Bath,Accessible Bedroom,Covered Entrance,Low Threshold Shower

Details

  • Parcel number: 0061700190000
  • Zoning: R-1

Features

  • Stories: 1
  • Patio & porch: Patio/Porch
  • Exterior features: Dock,Sprinkler System
  • On waterfront: Yes
  • Waterfront features: River
  • Waterbody name: Muskegon River

Lot

  • Lot size: 0.25 Acres
  • Features: Landscaped
  • Lot size dimensions: 74 x 150

Parking

  • Parking features: Driveway,Garage Door Opener
  • Has garage: Yes
  • Has uncovered spaces: 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

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

How This Home’s Risks Compare

Winter Weather
Inland Flooding
Lightning
Strong Wind
Cold Wave
Hail
Tornado

FEMA Declared Disasters in Roscommon 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 $5,046$60,552
Home Insurance *$603$7,236
Property Taxes $577$6,924
Electricity $411$4,937
Total$6,637$79,644
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$227,554/yr
40% on housing$199,110/yr
45% on housing$176,986/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: 0.3%
0.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$265This listing

vs Other Active Listings

Avg $/sqft

ZIP 48629$121
Roscommon County$145

vs Homes Sold Last Month

Median $/sqft

ZIP 48629
Roscommon County$148

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
2026-03-04Listed for sale$998,000

For Sale by Agent

AgentRuth Anne Clemens
BrokerageCB Schmidt Houghton Lake

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