103 Cooke Ave, Roscommon, MI, 48653
About This Home
Welcome to an extraordinary opportunity on the coveted NW shore, where the sandy bottom of Higgins Lake awaits. Situated on 53 ft of pristine frontage, protected by a concrete seawall, with an impressive 335-foot-deep lot, this meticulously updated 3,000-square-foot beauty offers a balance of luxury, comfort, and the ideal layout of a lakefront home. Enjoy the warmth of morning sunrises and spend evenings relaxing in comfortable shade on the expansive deck...all while overlooking one of Michigan's most breathtaking lakes. Inside, the home has been reimagined with a new kitchen and living room designed for a lake house lifestyle. Quartz countertops, stainless steel appliances, and a beautiful shiplap ceiling extending throughout the main level create a warm yet sophisticated aesthetic. There are two spacious bedrooms on the main floor and upstairs you'll find a 14'x25' loft and a 19'x25' lakeside primary suite. Currently configured as guest accommodations, this area could easily be altered to suit your lifestyle as a family room, home office, additional bedroom, media room, or a large bunkroom. With generous space and beautiful lake views, the possibilities are endless. The attached garage is as unique as it is functional...far more than a place to park, it has been transformed into an exceptional entertaining space featuring a custom kitchen complete with quartz countertops, stainless steel appliances, and custom cabinetry. A furnace, durable Polyaspartic coating, and fresh paint further elevate the comfort level. Whether hosting friends after a day on the water or cheering on your favorite team, this space is designed to impress. Additional improvements include a beautiful new steel roof, roadside landscape, new furnace, Generac automatic generator, new central air, tankless water heater, and an EV charging station. This is more than a waterfront home--it's a rare opportunity to own a beautifully renovated luxury retreat in one of Higgins Lake's most desirable locations. Hot Springs Vanguard hot tub included. Furniture, furnishings, tri-toon, and dock are all negotiable separately from real estate.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1950
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: 3
- Bathrooms: 3
- Full bathrooms: 2
- 1/2 bathrooms: 1
Features
- Ceiling Fan(s),Vaulted Ceiling(s),Walk-In Closet(s),Wet Bar
- Window features: Blinds
- Flooring: Tile,Laminate
- Finished area above ground: 3,000
Heating & Cooling
- Heating features: Forced Air,Natural Gas
- Cooling features: Central Air
Interior Area
- Total structure area: 3,000
- Total interior livable area: 3,000 sqft
Property
Details
- Parcel number: 0076700181000
- Special condition: Listing Status; Active w/ Contingencies
- Other equipment: Automatic Generator
Features
- Stories: 2
- Patio & porch: Deck,Patio/Porch
- Exterior features: Sprinkler System
- Has spa: Yes
- Spa features: Heated,Bath
- On waterfront: Yes
- Waterfront features: Lake
- Waterbody name: Higgins Lake
Lot
- Lot size: 0.33 Acres
- Features: Landscaped
- Lot size dimensions: 53.6 x 336 x 50 x 271
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
- Cold Wave
- Hail
- Inland Flooding
- Lightning
- Strong Wind
How This Home’s Risks Compare
FEMA Declared Disasters in Roscommon 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 | $9,582 | $114,984 |
| Home Insurance * | $1,275 | $15,300 |
| Property Taxes | $1,405 | $16,860 |
| Electricity | $327 | $3,926 |
| Total | $12,589 | $151,068 |
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 |
|---|---|---|
| 2026-08-06 | Contingent | $1,895,000 |
| 2026-07-24 | Listed for sale | $1,895,000 |
| 2020-09-14 | Sold | $730,000 |
| 2020-09-08 | Pending sale | $795,000 |
| 2020-07-07 | Listed for sale | $795,000 |
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