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3949 Bay Ter, Milford, MI, 48381

3beds
3baths
2,213sqft
$833,990
$377price/sqft
$5,587/moest. monthly cost
$223,480/yrincome needed

About This Home

Fall move in. Imagine stepping into your dream home at Kensington Ridge, where comfort, style, and convenience come together perfectly. This stunning Stardom plan is a ranch-style home designed for effortless living, with an open, light-filled floor plan that flows seamlessly from room to room, creating the perfect space for entertaining or relaxing. Warm your soul next to the full stone floor to ceiling gas fireplace in the gathering room or head outside onto the rear covered patio for a relaxing night with nature. The chef-inspired kitchen is a showstopper, featuring built-in appliances, a spacious island, and ample pantry storage. Enjoy a private, versitle space in the flex room complete with french doors for privacy. At the end of the day, retreat to the luxurious Owner’s Suite, offering privacy, serene views, and a spa-like walk-in-shower in the ensuite bathroom . Other popular options include upgraded designer interior paint, a shower in guest bath, hard surface flooring areas, water softener prep, laundry sink and cabinets, upgraded interior trim package all situated on an Estate sized lot. With no maintenance worries, you’ll have more time to enjoy the incredible amenities, from the 16,800 sq. ft. clubhouse with a full gym to the peaceful, motor-free lake for relaxation. Located in the charming city of Milford, just minutes from shops, dining, and Kensington Metro State Park, this home offers the perfect blend of tranquility and convenience. This is more than just a home; it’s a lifestyle waiting for you to enjoy.

Getting Around

4
WalkingCar-Dependent
0
TransitVery Limited Transit
16
BikeSomewhat Bikeable

Schools

7/10
Johnson Elementary SchoolGrades PK-53.7 mi
8/10
Muir Middle SchoolGrades 5-84.7 mi
8/10
Milford High SchoolGrades 7-126.0 mi

Construction

Condition

  • Property condition: Const Start Upon Sale,New Construction
  • New construction: Yes
  • Year built: 2026

Materials

  • Foundation: Slab
  • Roof: Asphalt
  • Construction materials: Brick,Vinyl Siding

Other

  • Builder name: Del Webb

Type & Style

  • Home type: Condo
  • Architectural style: Ranch
  • Property subType: Condominium

Interior

Appliances

  • Appliances included: Built In Gas Oven,Dishwasher,Disposal,Gas Cooktop,Microwave,Stainless Steel Appliances,Vented Exhaust Fan
  • Laundry features: Gas Dryer Hookup,Laundry Room,Washer Hookup

Bedroom

  • Level: Entry
  • Area: 196
  • Dimensions: 14 X 14

Bedroom

  • Level: Entry
  • Area: 99
  • Dimensions: 9 X 11

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Features

  • High Speed Internet,Programmable Thermostat
  • Window features: Energy Star Qualified Windows
  • Fireplace features: Gas,Great Room
  • Fireplace: Yes
  • Finished area above ground: 2,213

Flex Room

  • Level: Entry
  • Area: 156
  • Dimensions: 13 X 12

Great Room

  • Level: Entry
  • Area: 252
  • Dimensions: 18 X 14

Heating & Cooling

  • Heating features: ENERGYSTAR Qualified Furnace Equipment,Forced Air,Natural Gas
  • Cooling features: Central Air,ENERGYSTAR Qualified AC Equipment

Interior Area

  • Total interior livable area: 2,213 sqft

Kitchen

  • Level: Entry
  • Area: 154
  • Dimensions: 14 X 11

Laundry

  • Level: Entry
  • Area: 56
  • Dimensions: 8 X 7

Mud Room

  • Level: Entry
  • Area: 56
  • Dimensions: 8 X 7

Other

  • Level: Entry

Other

  • Level: Entry

Primary Bathroom

  • Level: Entry

Primary Bedroom

  • Level: Entry
  • Area: 210
  • Dimensions: 15 X 14

Property

Details

  • Special condition: Short Sale No,Standard

Features

  • Levels: One Story Ground
  • Stories: 1
  • Entry location: GroundLevel
  • Pool features: Community
  • Patio & porch: Covered,Patio,Porch
  • Exterior features: Grounds Maintenance
  • Waterfront features: No Motor Lake
  • Waterbody name: Lake Haven

Parking

  • Total spaces: 3
  • Parking features: Three Car Garage,Attached,Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 3

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

  • Tornado
    TornadoVery High
  • Inland Flooding
    Inland FloodingRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Tornado
Inland Flooding
Ice Storm
Cold Wave
Hail
Heat Wave
Strong Wind
Winter Weather

FEMA Declared Disasters in Oakland County and Michigan

Flood
Severe Ice Storm
Severe Storm
Tornado
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 $4,217$50,604
Home Insurance *$261$3,132
Property Taxes $868$10,416
Electricity $241$2,896
Total$5,587$67,044
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$191,554/yr
40% on housing$167,610/yr
45% on housing$148,986/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: 14.2%
14.2%
0%30.0%
Electricity Growth Rate10-year average: 3.9%
3.9%
0%15.0%
Property Taxes Growth Rate2-year average: 0.0%
0.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$377This listing

vs Other Active Listings

Avg $/sqft

ZIP 48381$248
Oakland County$199

vs Homes Sold Last Month

Median $/sqft

ZIP 48381$239
Oakland County$192

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
2026-04-19Price change$789,990
2026-04-17Price change$840,559
2026-04-16Listed for sale$789,990
2025-11-07Listing removed$698,990
2025-09-19Price change$698,990
2025-08-22Price change$693,990
2025-08-15Listed for sale$633,990
2025-08-02Listing removed$598,990
2025-07-06Price change$598,990
2025-06-26Listed for sale$668,990

New Construction Spec

AgentHeather S Shaffer
BrokeragePH Relocation Services LLC

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