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6285 S Shore Dr, Whitehall, MI, 49461

5beds
2baths
1,775sqft
$899,000
$506price/sqft
$6,263/moest. monthly cost
$250,520/yrincome needed

About This Home

Enchanting seasonal cottage with 188.5 ft. of private White Lake frontage nestled on 4 separate adjoining parcels, totaling 4.18 acres of potential, proudly owned & cherished by the same family since the 1940s. Inside, rich Tennessee Knotty Pine paneling, shipped by train in a bygone era, adds authentic character and rustic elegance that defines true lakeside charm. Outside, the iconic wrap-around porch is perfectly positioned for soaking in breathtaking lake views from sunrise to sunset. Located just minutes from Lake Michigan, White Lake Channel, WL Yacht Club, WL Golf Club, area shopping, dining, & highway access. Only an hour from GR; 3 hours from Chicago. Vacant lots, including waterfront lot ARE buildable per township & EGLE approval. See attached info. Buyer to verify all info. Sold 'as is'

Getting Around

4
WalkingCar-Dependent
0
TransitVery Limited Transit
31
BikeSomewhat Bikeable

Schools

--
7/10
Whitehall Middle SchoolGrades 6-84.0 mi
6/10

Construction

Condition

  • Year built: 1908

Materials

  • Roof: Shingle
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

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

Basement

  • Basement: Crawl Space

Bathroom2

  • Level: Upper
  • Area: 60.72
  • Dimensions: 8.80 x 6.90

Bedroom2

  • Level: Upper
  • Area: 103.854
  • Dimensions: 11.40 x 9.11

Bedroom3

  • Level: Upper
  • Area: 103.23
  • Dimensions: 11.10 x 9.30

Bedroom4

  • Level: Upper
  • Area: 93.96
  • Dimensions: 11.60 x 8.10

Bedroom5

  • Level: Upper
  • Area: 91.18
  • Dimensions: 9.70 x 9.40

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 2
  • Full bathrooms: 2

Dining Room

  • Level: Main
  • Area: 187.88
  • Dimensions: 12.20 x 15.40

Features

  • Eat-in Kitchen
  • Window features: Screens
  • Flooring: Laminate,Vinyl
  • Number of fireplaces: 1
  • Fireplace features: Living Room,Wood Burning
  • Fireplace: Yes

Heating

  • Heating features: Forced Air

Interior Area

  • Total structure area: 1,775
  • Total interior livable area: 1,775 sqft

Kitchen

  • Level: Main
  • Area: 174.02
  • Dimensions: 11.30 x 15.40

Living Room

  • Level: Main
  • Area: 293.94
  • Dimensions: 20.70 x 14.20

Master Bathroom

  • Level: Upper
  • Area: 42.24
  • Dimensions: 8.80 x 4.80

Master Bedroom

  • Level: Upper
  • Area: 110.231
  • Dimensions: 12.10 x 9.11

Other

  • Level: Main
  • Area: 67.16
  • Dimensions: 7.30 x 9.20

Utility Room

  • Level: Main
  • Area: 60.72
  • Dimensions: 6.60 x 9.20

Property

Details

  • Parcel number: 06170000001600

Features

  • Stories: 2
  • On waterfront: Yes
  • Waterfront features: Lake
  • Waterbody name: White Lake

Lot

  • Lot size: 4.18 Acres
  • Features: Ground Cover,Shrubs/Hedges
  • Lot size dimensions: See attached

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

  • Strong Wind
    Strong WindModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Strong Wind
Tsunami

FEMA Declared Disasters in Muskegon 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 $4,545$54,540
Home Insurance *$364$4,368
Property Taxes $1,161$13,932
Electricity $193$2,323
Total$6,263$75,156
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$214,731/yr
40% on housing$187,890/yr
45% on housing$167,013/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: 9.1%
9.1%
0%30.0%
Electricity Growth Rate10-year average: 3.9%
3.9%
0%15.0%
Property Taxes Growth Rate2-year average: -0.1%
-0.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$506This listing

vs Other Active Listings

Avg $/sqft

ZIP 49461$256
Muskegon County$152

vs Homes Sold Last Month

Median $/sqft

ZIP 49461$186
Muskegon County$174

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
2026-06-15Listed for sale$899,000
1997-07-15Sold$344,000

For Sale by Agent

AgentLiz Hedges
BrokerageColdwell Banker Woodland Schmidt Whitehall

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