12600 Lake Ter #11, Charlevoix, MI, 49720
About This Home
Welcome to this charming 2-bedroom, 1-bath home, ideally located near the heart of Michigan. Enjoy the convenience of included appliances and the spacious layout that makes it perfect for any lifestyle. Step outside onto a large covered deck, perfect for relaxing or entertaining, with potential for your furry friends. The property features a generous shed for extra storage and offers beautiful views of the nearby lake. This home is move-in ready, so you can start enjoying the serene surroundings and outdoor activities right away. Whether you are looking for a weekend getaway or a permanent residence, this location has it all. Don't miss your chance to make this lovely home yours!
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1974
Type & Style
- Home type: SingleFamily
Interior
Appliances
- Appliances included: Dishwasher,Refrigerator,Washer,Dryer,Range
Basement
- Basement: None
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 1
- Full bathrooms: 1
Features
- Window features: Mini Blinds
Heating & Cooling
- Heating features: Natural Gas,Forced Air
- Cooling features: Wall Unit(s)
Interior Area
- Total interior livable area: 929 sqft
Property
Features
- Levels: One
- Stories: 1
- Patio & porch: Deck
- Waterfront features: Water Access
Parking
- Parking features: No Garage Or Carport
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
- Lightning
- Strong Wind
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters in Charlevoix County and Michigan
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $192 | $2,304 |
| Home Insurance * | $11 | $132 |
| Property Taxes | $26 | $312 |
| Electricity | $188 | $2,259 |
| Total | $417 | $5,004 |
Income You'd Need if You Spent...
Michigan FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
No zestimate history available
Price History
| Date | Event | Price |
|---|---|---|
| 2026-02-26 | Listed for sale | $39,900 |
View on Zillow