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11052 W Higgins Lake Dr, Roscommon, MI, 48653

1beds
1baths
600sqft
$125,000
$208price/sqft
$996/moest. monthly cost
$39,840/yrincome needed

About This Home

Welcome to your perfect Up North escape in the Veterans community of Camp Curnalia! This cozy 600 sq ft cabin is the ideal retreat for relaxing weekends and unforgettable summers near beautiful Higgins Lake. Fully equipped and move-in ready, this charming getaway truly lets you pack your bag and start enjoying lake life right away. The property includes a 10x20 shed for extra storage, a golf cart for easy cruising around the community, and a boat hoist making it effortless to take full advantage of everything Higgins Lake has to offer. Whether you're looking for a peaceful retreat or a fun-filled basecamp for outdoor adventures, this cabin delivers comfort, and convenience in a welcoming community setting. Buyer must provide DD-214 to purchase in the community. Cash offers only.

Getting Around

6
WalkingCar-Dependent
0
TransitVery Limited Transit
27
BikeSomewhat Bikeable

Schools

8/10
Roscommon Middle SchoolGrades 5-77.5 mi
6/10
Roscommon High SchoolGrades 7-127.2 mi
6/10

Construction

Materials

  • Foundation: Slab

Type & Style

  • Home type: SingleFamily
  • Architectural style: Cottage
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Washer,Range/Oven,Refrigerator,Dryer
  • Laundry features: Main Level

Bedrooms & Bathrooms

  • Bedrooms: 1
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • Finished area above ground: 600

Heating

  • Heating features: Wall Furnace

Interior Area

  • Total structure area: 600
  • Total interior livable area: 600 sqft

Property

Details

  • Parcel number: 0079401400000

Features

  • Patio & porch: Deck
  • On waterfront: Yes
  • Waterbody name: Higgins Lake
  • Frontage type: All-Sport

Lot

  • Lot size: 1,400 sqft
  • Lot size dimensions: 35 x 40

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 WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Winter Weather
Cold Wave
Hail
Inland Flooding
Lightning
Strong Wind

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 $632$7,584
Home Insurance *$84$1,008
Property Taxes $92$1,104
Electricity $188$2,259
Total$996$11,952
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$34,148/yr
40% on housing$29,880/yr
45% on housing$26,560/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

$208This listing

vs Other Active Listings

Avg $/sqft

ZIP 48653$161
Roscommon County$148

vs Homes Sold Last Month

Median $/sqft

ZIP 48653
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)

No zestimate history available

Price History

DateEventPrice
2026-04-22Price change$149,500
2025-11-19Price change$149,000
2025-08-08Price change$169,900
2025-07-11Price change$189,000
2025-05-01Price change$209,000
2024-11-14Listed for sale$239,000

For Sale by Agent

AgentGinny Johnson
BrokerageCentury 21 Realty North Higgins Lake

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