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7364 N Northern Dr, Pentwater, MI, 49449

1beds
1baths
625sqft
$219,900
$352price/sqft
$1,564/moest. monthly cost
$62,560/yrincome needed

About This Home

Cozy little cabin nestled along the Pentwater River. New well and septic in 2025. New mini split hvac unit installed. The perfect little get away. Featuring a kitchenette and living area. One bedroom plus a small den that could possible hold a twin bed or futon. Nice enclosed porch full of windows. Fish, hunt, kayak and enjoy mother nature and the abundance of outdoor wildlife in this beautiful area. Includes 3 lots. The lot to the west is unincumbered from any buildings and the west line of the lot is surveyed. Approximately 190 acres of USA land within a mile of the property. Just a short jaunt to the Village of Pentwater and Lake Michigan beach. Come and check out this adorable little cabin.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
15
BikeSomewhat Bikeable

Schools

6/10
Pentwater Public SchoolGrades PK-121.9 mi

Construction

Condition

  • Year built: 2019

Materials

  • Roof: Metal
  • Construction materials: Wood Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Refrigerator
  • Laundry features: None

Basement

  • Has basement: Yes
  • Basement: Other

Bathroom1

  • Level: Main
  • Area: 51.75
  • Dimensions: 7.50 x 6.90

Bedrooms & Bathrooms

  • Bedrooms: 1
  • Bathrooms: 1
  • Full bathrooms: 1
  • Main level bedrooms: 1

Den

  • Level: Main
  • Area: 58.86
  • Dimensions: 10.90 x 5.40

Features

  • Ceiling Fan(s),Eat-in Kitchen
  • Flooring: Wood

Heating

  • Heating features: Baseboard

Interior Area

  • Total structure area: 625
  • Total interior livable area: 625 sqft

Kitchen

  • Level: Main
  • Area: 71
  • Dimensions: 5.00 x 14.20

Living Room

  • Level: Main
  • Area: 177.5
  • Dimensions: 12.50 x 14.20

Master Bedroom

  • Level: Main
  • Area: 93.74
  • Dimensions: 10.90 x 8.60

Other

  • Level: Main
  • Area: 99.372
  • Dimensions: 19.11 x 5.20

Other

  • Level: Main
  • Area: 44.16
  • Dimensions: 6.40 x 6.90

Property

Details

  • Parcel number: 6400260001101

Features

  • Stories: 1
  • On waterfront: Yes
  • Waterfront features: River
  • Waterbody name: Pentwater River

Lot

  • Lot size: 1.45 Acres
  • Lot size dimensions: 299 x 374 x 379 x 132

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 WindVery High
  • Winter Weather
    Winter WeatherVery High
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Strong Wind
Winter Weather
Inland Flooding
Lightning
Tsunami

FEMA Declared Disasters in Oceana 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 $1,111$13,332
Home Insurance *$115$1,380
Property Taxes $150$1,800
Electricity $188$2,259
Total$1,564$18,768
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$53,622/yr
40% on housing$46,920/yr
45% on housing$41,706/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: 0.3%
0.3%
0%30.0%
Electricity Growth Rate10-year average: 3.9%
3.9%
0%15.0%
Property Taxes Growth Rate2-year average: -3.1%
-3.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$352This listing

vs Other Active Listings

Avg $/sqft

ZIP 49449$250
Oceana County$204

vs Homes Sold Last Month

Median $/sqft

ZIP 49449
Oceana County$178

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
2026-01-19Listed for sale$229,000

For Sale by Agent

AgentSue Payne
BrokerageColdwell Banker Woodland Schmidt-Hart

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