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6626 Varonica Ln, Cheboygan, MI, 49721

3beds
2baths
1,749sqft
$349,900
$200price/sqft
$2,426/moest. monthly cost
$97,040/yrincome needed

About This Home

A rare Northern Michigan offering with endless potential. This unique property boasts 714 feet of private frontage along the Black River, a part 40+ mile famed Inland Waterway that stretches from Crooked Lake to Lake Huron allowing you to boat virtually anywhere in the world right from your backyard. Set on nearly 12.5 acres, the land provides a mix of privacy, recreation, and waterfront living that is seldom found together. The three-bedroom, two-bath home offers comfortable living space, while the detached garage and large pole barn provide plenty of room for vehicles, storage, or recreational toys. Whether you're looking for a year-round residence, a vacation retreat, or a property with room to grow, this parcel has it all with a chance to own an uncommon combo acreage & waterfront.

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
13
BikeSomewhat Bikeable

Schools

--
East Elementary SchoolGrades K-36.9 mi
6/10
--
Cheboygan Middle SchoolGrades 4-127.3 mi

Construction

Materials

  • Foundation: Crawl

Type & Style

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

Interior

Appliances

  • Laundry features: Main Level

Basement

  • Basement: None

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Finished area above ground: 1,749

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,749
  • Total interior livable area: 1,749 sqft

Property

Details

  • Parcel number: 10403510002500

Features

  • Exterior features: Dock
  • On waterfront: Yes
  • Waterfront features: Inland Waterway
  • Waterbody name: Black River

Lot

  • Lot size: 12.40 Acres
  • Lot size dimensions: 12.4 acres

Parking

  • Parking features: Garage
  • Has garage: 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

  • Cold Wave
    Cold WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Lightning
Tsunami

FEMA Declared Disasters in Cheboygan 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 $1,769$21,228
Home Insurance *$214$2,568
Property Taxes $253$3,036
Electricity $190$2,289
Total$2,426$29,112
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$83,177/yr
40% on housing$72,780/yr
45% on housing$64,693/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: 8.1%
8.1%
0%30.0%
Electricity Growth Rate10-year average: 3.9%
3.9%
0%15.0%
Property Taxes Growth Rate2-year average: 1.7%
1.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$200This listing

vs Other Active Listings

Avg $/sqft

ZIP 49721$203
Cheboygan County$202

vs Homes Sold Last Month

Median $/sqft

ZIP 49721
Cheboygan County$131

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
2025-09-15Listed for sale$365,000
2025-08-15Contingent$365,000
2025-06-10Price change$365,000
2024-10-25Listed for sale$370,000

For Sale by Agent

AgentJacqueline Kimball
BrokerageReal Broker LLC - Petoskey

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