3224 Cliffs Dr #86, Petoskey, MI, 49770
About This Home
Perched above the Lake Michigan shoreline, this stunning residence offers panoramic water views and the rare opportunity to own a an updated, move-in ready condominium in Bay Harbor. Enjoy the most spectacular panoramic views of Little Traverse Bay and Lake Michigan from this upper level condo in the Cliffs at Bay Harbor. Located on the desirable East side of this private-gated Association. . The Cliffs association is a beautifully landscaped oasis within the greater Bay Harbor resort community. This association has a clubhouse with indoor pool/hot tub and a full-time on-site management. This home is being sold furnished. Includes a GEM car. Ownership includes access and a required membership to the world-class Bay Harbor Yacht Club, offering dining, fitness, spa, and social activities just steps away. You’re also an easy stroll to the Marina District’s art center, boutique shops, and a variety of casual and fine dining experiences.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1999
Materials
- Construction materials: Wood Frame/Site Built
Type & Style
- Home type: Condo
- Property subType: Condominium
Interior
Appliances
- Appliances included: Built-in Microwave,Dishwasher,Disposal,Refrigerator,Washer,Dryer
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 4
- Full bathrooms: 4
Features
- Fireplace features: Gas
- Fireplace: Yes
Heating & Cooling
- Heating features: Natural Gas,Forced Air
- Cooling features: Ceiling Fan(s),Central Air
Interior Area
- Total interior livable area: 2,740 sqft
Property
Features
- Patio & porch: Deck
Parking
- Parking features: Attached Garage
- Has garage: Yes
- Covered spaces: 1
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
- Hail
- Inland Flooding
- Strong Wind
- Tornado
- Winter Weather
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters in Emmet 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 | $9,101 | $109,212 |
| Home Insurance * | $994 | $11,928 |
| Property Taxes | $1,229 | $14,748 |
| Electricity | $298 | $3,586 |
| Total | $11,622 | $139,464 |
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)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-06-03 | Listed for sale | $1,800,000 |
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