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6365 Waters Edge Ln, Saugatuck, MI, 49453

4beds
4baths
2,191sqft
$1,575,000
$719price/sqft
$9,834/moest. monthly cost
$393,360/yrincome needed

About This Home

Your Ultimate Lakeside Escape on Silver Lake in Saugatuck Designed with entertaining in mind, this stunning 4-bedroom, 2 full and 2 half bath retreat sits on 3.23 wooded acres at the end of a quiet private drive. Offering breathtaking water views, direct lake access, and effortless indoor-outdoor living, this property blends modern luxury with natural serenity--perfect for hosting family, friends, and guests! Actively a highly successful Airbnb, it's equally suited as a full-time residence, vacation home, or proven income property. The 2,191 sq ft interior was crafted for gathering and connection. An open-concept layout welcomes natural light through expansive windows that frame sweeping lake views. Vaulted ceilings, custom woodwork, and warm finishes set the stage for memorable moments. The chef's kitchen complete with professional-grade appliances, granite countertops, and generous prep space flows seamlessly into the dining and living areas, ideal for dinner parties or cozy evenings by the fire. The primary suite offers peaceful lake views and a private ensuite bath, while three additional bedrooms comfortably host family and friends. Recent updates, including a new roof and siding in 2024, ensure style and peace of mind. Entertainment extends beyond the main home with an additional carriage house, transformed into a game room featuring a 75" TV, poker table, and foosball the ultimate hangout zone. Step outside to the expansive deck overlooking the water, where you can sip morning coffee, grill with friends, or gather around the firepit as the sun sets. Enjoy a soak in the hot tub, unwind in the sauna, or launch a kayak from your private shoreline for a day on the lake. A Level 2 EV charger adds modern convenience. Just minutes from downtown Saugatuck's shops, galleries, and restaurants and close to Lake Michigan beaches this property offers the perfect blend of privacy, entertainment, and relaxation. With short-term rentals allowed and no HOA, it's a rare opportunity to own a true entertainer's paradise on the water in West Michigan.

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
18
BikeSomewhat Bikeable

Schools

8/10
Douglas Elementary SchoolGrades PK-52.1 mi
7/10
Saugatuck Middle SchoolGrades 6-81.5 mi
8/10
Saugatuck High SchoolGrades 9-121.5 mi

Construction

Condition

  • Year built: 1950

Materials

  • Roof: Shingle
  • Construction materials: Other

Type & Style

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

Interior

Appliances

  • Appliances included: Cooktop,Dishwasher,Dryer,Freezer,Microwave,Oven,Refrigerator,Washer
  • Laundry features: Main Level

Basement

  • Basement: Slab

Bedrooms & Bathrooms

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

Features

  • Ceiling Fan(s),Eat-in Kitchen
  • Window features: Skylight(s),Screens,Replacement,Garden Window
  • Number of fireplaces: 1
  • Fireplace features: Gas Log,Living Room
  • Fireplace: Yes

Heating

  • Heating features: Forced Air

Interior Area

  • Total structure area: 2,191
  • Total interior livable area: 2,191 sqft

Property

Details

  • Parcel number: 2026003500
  • Zoning description: R-2

Features

  • Stories: 1
  • Patio & porch: Scrn Porch
  • On waterfront: Yes
  • Waterfront features: Lake,River
  • Waterbody name: Silver Lake

Lot

  • Lot size: 3.23 Acres
  • Features: Recreational,Wooded,Ground Cover
  • Lot size dimensions: 674 x 33 x 1521 x 63 x 1900 x 29 x 271 x 60

Parking

  • Parking features: Detached

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
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Strong Wind
Hail
Inland Flooding
Tornado
Winter Weather
Tsunami

FEMA Declared Disasters in Allegan 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 $7,964$95,568
Home Insurance *$320$3,840
Property Taxes $1,312$15,744
Electricity $238$2,867
Total$9,834$118,008
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$337,165/yr
40% on housing$295,020/yr
45% on housing$262,240/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: 18.9%
18.9%
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

$719This listing

vs Other Active Listings

Avg $/sqft

ZIP 49453$420
Allegan County$257

vs Homes Sold Last Month

Median $/sqft

ZIP 49453$431
Allegan County$217

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
2026-04-20Price change$1,635,000
2025-10-29Listed for sale$1,685,000

For Sale by Agent

AgentKyle Geenen
BrokerageColdwell Banker Woodland Schmidt

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