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3962 New Wilsey Bay U.25 Rd, Rapid River, MI, 49878

1beds
1baths
480sqft
$249,900
$521price/sqft
$1,775/moest. monthly cost
$71,000/yrincome needed

About This Home

LAKE MICHIGAN WATERFRONT PARADISE ON THE STONINGTON PENINSULA! Get ready to experience everything Michigan's Upper Peninsula has to offer with this private, turn-key, fully furnished waterfront retreat located on the beautiful Stonington Peninsula. Nestled along the shores of Lake Michigan between Little Bay de Noc and Big Bay de Noc, this one-of-a-kind property offers breathtaking views, exceptional privacy, and endless outdoor recreation opportunities. Situated on approximately 0.94 acres with an impressive 182 feet of Lake Michigan frontage, this property is just minutes from the historic Peninsula Point Lighthouse and the Farmers Dock DNR boat launch, making it the perfect base camp for fishing, boating, kayaking, hiking, cycling, birdwatching, and exploring the natural beauty of the Upper Peninsula. The property features a meticulously maintained 2010 Breckenridge Perfect Cottage Park Model, offering carefree tiny-home living with all the comforts of home. Inside, you'll find vaulted ceilings, deluxe trim and crown molding, abundant windows showcasing panoramic lake views, and an inviting open-concept design. The well-appointed kitchen features stainless steel appliances, Corian countertops, rich cherry-finished cabinetry, and a center island with seating for four. The comfortable living area includes a cottage-style hide-a-bed, swivel recliner, and entertainment center, while the primary bedroom offers a queen-size bed, built-in storage, and a spacious closet. A versatile loft provides additional sleeping accommodations or storage space. Step outside to the expansive 20' x 16' composite deck, designed for years of maintenance-free enjoyment while taking in spectacular sunrises and waterfront views. Additional features include a fire pit, two storage sheds, and a rustic outhouse. Across the scenic creek that meanders through the property, you'll find a 24' x 24' garage built in 2015, complete with an additional 10' x 24' covered outdoor living area and stamped concrete patio—perfect for entertaining family and friends or simply relaxing while enjoying the cool lake breezes. Property Highlights! 147+ Feet of Lake Michigan Frontage ,Approximately 0.94 Acres, Fully Furnished & Turn-Key One-Owner, Non-Smoking, Property 2010 Breckenridge Perfect Cottage Park Model Vaulted Ceilings & Panoramic Lake Views, Stainless Steel Appliances & Corian Countertops, Large Composite Deck, Fire Pit & Storage Sheds, 24' x 24' Garage Built in 2015, Covered Outdoor Living Area with Stamped Concrete Patio, Exceptional Swimming, Boating, Fishing, Kayaking & Wildlife Viewing The waterfront market in Schoolcraft and Delta Counties continues to attract buyers seeking recreational properties, vacation homes, and private waterfront retreats. Turn-key Lake Michigan properties with significant frontage, garages, and modern amenities are highly sought after and rarely available. Whether you're looking for a summer getaway, or a peaceful retreat.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

6/10
Tri-Township SchoolGrades K-1215.8 mi

Construction

Condition

  • Year built: 2010

Materials

  • Construction materials: Vinyl Siding

Type & Style

  • Home type: MobileManufactured
  • Architectural style: Cottage
  • Property subType: Single Family Residence,Manufactured Home

Interior

Appliances

  • Appliances included: Microwave,Range/Oven,Refrigerator,Electric Water Heater

Basement

  • Basement: None

Bathroom1

  • Features: Laminate
  • Level: First

Bedroom1

  • Features: Carpet
  • Level: First
  • Area: 110

Bedrooms & Bathrooms

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

Features

  • Sound System,Central Vacuum
  • Window features: Storms/Screens
  • Flooring: Carpet,Laminate
  • Finished area below ground: 0
  • Finished area above ground: 480

Heating & Cooling

  • Heating features: Forced Air,Natural Gas
  • Cooling features: Ceiling Fan(s)

Interior Area

  • Total structure area: 480
  • Total interior livable area: 480 sqft

Kitchen

  • Features: Laminate
  • Level: First
  • Area: 100

Living Room

  • Features: Carpet
  • Level: First
  • Area: 100

Property

Details

  • Parcel number: 00350305800
  • Zoning description: Residential
  • Special condition: Private,Standard

Features

  • Levels: One and One Half
  • Stories: 1
  • Patio & porch: Patio
  • Has view: Yes
  • View description: Water,Lake
  • Has water view: Yes
  • Water view: Water,Lake
  • On waterfront: Yes
  • Waterfront features: All Sports Lake,Lake Front,Lake/River Access,Waterfront,Beach Front,Great Lake
  • Waterbody name: Lake Michigan
  • Frontage length: 147

Lot

  • Lot size: 0.94 Acres
  • Features: Deep Lot - 150+ Ft.,Rural,Graded
  • Lot size dimensions: 182 x 257 x 297 x 183

Parking

  • Total spaces: 3
  • Parking features: 3 or More Spaces,Covered,Garage,Lighted,Detached,Electric in Garage
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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
    Cold WaveRelatively High
  • Hail
    HailRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Cold Wave
Hail
Inland Flooding
Lightning
Strong Wind
Tsunami

FEMA Declared Disasters in Delta 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 $1,263$15,156
Home Insurance *$104$1,248
Property Taxes $220$2,640
Electricity $188$2,259
Total$1,775$21,300
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$60,857/yr
40% on housing$53,250/yr
45% on housing$47,333/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: 12.9%
12.9%
0%30.0%
Electricity Growth Rate10-year average: 3.9%
3.9%
0%15.0%
Property Taxes Growth Rate2-year average: 3.6%
3.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$521This listing

vs Other Active Listings

Avg $/sqft

ZIP 49878$231
Delta County$142

vs Homes Sold Last Month

Median $/sqft

ZIP 49878$183
Delta County$120

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
2026-08-06Price change$229,900
2026-06-05Listed for sale$249,900

For Sale by Agent

AgentTAMMY GARLING
BrokerageKEY REALTY DELTA COUNTY LLC

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