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850 W White Lake Dr, Twin Lake, MI, 49457

4beds
2baths
3,134sqft
$449,900
$144price/sqft
$3,206/moest. monthly cost
$128,240/yrincome needed

About This Home

You will want to check out all this home has to offer inside and out. With over 3,000 finished sq ft of living space in this split level plan there is plenty of room for everyone. The upper level features an incredibly open floor plan (living room, kitchen and dining area) with cathedral ceilings, skylights, wood burning fireplace, and beautiful bamboo floors in the dining area. To complete the main level, you have your massive primary suite with a large walk-in closet and an ensuite with a garden tub and shower. The lower level features 3 additional bedrooms, living room area with a gas fireplace, a large bathroom and the laundry/mechanical room. It is located on a quiet & peaceful 5 acres with beautiful seasonal flower gardens, raspberries, peach tree, all in a seclusion setting. Some of the extras this property offers.. A heated system for the roof, direct propane hookup for your grill (no more running out while cooking), an elevator to bring the firewood onto the back deck (no hauling wood for the fireplace up the stairs), a huge dog run, wood burning system, and a solar and windmill system (needs battery). The attached garage is insulated and finished. You will have multiple outbuildings including a detached 16 X 20 heated garage with an i-beam hoist and air compressor, a 40 X 80 Amish built pole barn that is perfect for storing your RV or needing an additional storage area, a 40 X 80 greenhouse, along with additional storage buildings. All of this quiet and beauty in a great location...12 min drive to Whitehall, 15 min drive to north Muskegon, Duck Lake State Park (728-acre featuring a large sand dune, swimming, meadows & forested areas.) is a 17 min drive, you could be swimming in Lake Michigan at Duck Lake Beach in 16 min and Old Channel Trail Golf Course (on Lake Michigan) is a 20 min drive. You'll want to see this one and make it yours! Schedule your private showing today.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
24
BikeSomewhat Bikeable

Schools

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

Construction

Condition

  • Year built: 2000

Materials

  • Roof: Composition
  • Construction materials: Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Microwave,Range,Refrigerator,Washer
  • Laundry features: In Basement,Laundry Room

Basement

  • Has basement: Yes
  • Basement: Daylight,Full

Bedroom2

  • Level: Lower

Bedroom3

  • Level: Lower

Bedroom4

  • Level: Lower

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bedrooms: 1

Dining Room

  • Level: Main

Family Room

  • Level: Main

Features

  • Ceiling Fan(s),LP Tank Rented
  • Flooring: Carpet,Ceramic Tile,Laminate,Wood
  • Number of fireplaces: 2
  • Fireplace features: Family Room,Gas Log,Living Room,Wood Burning
  • Fireplace: Yes
  • Finished area below ground: 0

Heating & Cooling

  • Heating features: Forced Air,Outdoor Furnace,Wood
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,644
  • Total interior livable area: 3,134 sqft

Kitchen

  • Level: Main

Laundry

  • Level: Lower

Living Room

  • Level: Lower

Master Bathroom

  • Level: Main

Master Bedroom

  • Level: Main

Property

Details

  • Parcel number: 04031400000400
  • Zoning description: FR-R4

Features

  • Stories: 1
  • Fencing: Chain Link

Lot

  • Lot size: 5 Acres
  • Features: Wooded,Shrubs/Hedges
  • Lot size dimensions: 326 x 663

Parking

  • Total spaces: 2
  • Parking features: Garage Door Opener,Attached
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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 WindRelatively High
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Strong Wind
Lightning
Tornado
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 $2,274$27,288
Home Insurance *$179$2,148
Property Taxes $412$4,944
Electricity $341$4,102
Total$3,206$38,472
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$109,920/yr
40% on housing$96,180/yr
45% on housing$85,493/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

$144This listing

vs Other Active Listings

Avg $/sqft

ZIP 49457$158
Muskegon County$154

vs Homes Sold Last Month

Median $/sqft

ZIP 49457$216
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)

Price History

DateEventPrice
2026-05-08Price change$474,900
2026-05-04Price change$475,000
2026-04-24Price change$485,000
2026-04-10Listed for sale$495,000
2005-06-15Sold$216,000

For Sale by Agent

AgentJoyce L Romancky
BrokerageKey Realty

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