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W 18312 Co Rd #H42, Germfask, MI, 49836

4beds
1baths
1,000sqft
$565,000
$565price/sqft
$3,569/moest. monthly cost
$142,760/yrincome needed

About This Home

Situated along the highly desirable H-42 corridor just minutes from downtown Curtis, this rare Big Manistique Lake offering features approximately 300 feet of lake frontage and nearly 6 acres of beautifully positioned property between Trail’s End Resort and Northern Exposure Resort. From the water side, the location sits conveniently between Cook’s Bay and Deer Cove Beach — placing you in one of the lake’s most sought-after recreational areas. The lot itself offers a gentle slope all the way to the water, creating an exceptionally usable waterfront setting with a beautiful beach-sand lake bottom. Large parcels in this location are becoming increasingly difficult to find. Whether you envision a private waterfront retreat, future resort opportunity, compound, or long-term investment, the size and layout of this property open the door to countless possibilities. The combination of acreage, frontage, privacy, and direct access to all that the Curtis area offers is exceptionally rare. The existing home will require a substantial renovation and is being marketed accordingly. However, the structure itself still offers strong underlying potential with straight walls, an excellent foundation, newer metal roof, newer well, and an overall footprint that could provide significant advantages compared to starting entirely from scratch. For the right buyer with vision, this property presents an opportunity to restore, redesign, or reimagine a premier lakefront setting while potentially avoiding some of the additional hurdles often associated with entirely new waterfront construction. The parcel size also creates flexibility for future plans. Buyers may wish to retain the entire property for privacy and expansion, or explore the possibility of splitting a portion of the acreage/frontage in the future, subject to local approvals. Big Manistique Lake is far from your average inland lake. Spanning over 10,300 acres, it ranks as Michigan’s 7th-largest inland lake and is well known for its outstanding year-round recreation and fishing opportunities. Anglers enjoy excellent fishing for walleye, northern pike, smallmouth bass, black crappie, yellow perch, cisco, sturgeon, and more. The Curtis area is also a premier trail hub, offering approximately 140 miles of locally groomed snowmobile trails that connect into Michigan’s expansive 6,500-mile designated trail system. ATV and ORV enthusiasts will appreciate the immediate access to state routes and countless forest roads stretching in every direction.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

4/10
Newberry Area SchoolGrades PK-1216.6 mi

Construction

Condition

  • Property condition: Fixer
  • Year built: 1978

Materials

  • Construction materials: Other

Type & Style

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

Interior

Appliances

  • Appliances included: None,Water Heater

Basement

  • Basement: Block,Crawl Space

Bathroom1

  • Level: First

Bedroom1

  • Level: Second
  • Area: 384

Bedroom2

  • Level: Second
  • Area: 160

Bedroom3

  • Level: First
  • Area: 130

Bedroom4

  • Level: First
  • Area: 121

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • Other
  • Finished area below ground: 0
  • Finished area above ground: 1,000

Heating & Cooling

  • Heating features: None,Other
  • Cooling features: None

Interior Area

  • Total structure area: 1,000
  • Total interior livable area: 1,000 sqft

Property

Details

  • Parcel number: 01011000200
  • Special condition: Private,Standard

Features

  • Levels: Two
  • Stories: 2
  • Exterior features: None
  • On waterfront: Yes
  • Waterfront features: All Sports Lake,Lake Front,Waterfront,Interior Lake,Sandy Bottom
  • Waterbody name: Big Manistique Lake
  • Frontage length: 300

Lot

  • Lot size: 6 Acres
  • Lot size dimensions: 300 x 871

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

  • Inland Flooding
    Inland FloodingRelatively High
  • Cold Wave
    Cold WaveModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Inland Flooding
Cold Wave
Lightning
Winter Weather
Tsunami

FEMA Declared Disasters in Mackinac 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 $2,856$34,272
Home Insurance *$121$1,452
Property Taxes $404$4,848
Electricity $188$2,259
Total$3,569$42,828
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$122,365/yr
40% on housing$107,070/yr
45% on housing$95,173/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: 11.0%
11.0%
0%30.0%
Electricity Growth Rate10-year average: 3.9%
3.9%
0%15.0%
Property Taxes Growth Rate2-year average: 5.1%
5.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$565This listing

vs Other Active Listings

Avg $/sqft

ZIP 49836$111
Mackinac County$178

vs Homes Sold Last Month

Median $/sqft

ZIP 49836
Mackinac County$194

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
2026-07-17Price change$565,000
2026-05-22Listed for sale$600,000

For Sale by Agent

AgentDAVID BLEAU
BrokerageGROVER REAL ESTATE

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