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W12417 W Beach Rd, Naubinway, MI, 49762

3beds
2baths
1,560sqft
$519,000
$333price/sqft
$3,298/moest. monthly cost
$131,920/yrincome needed

About This Home

Experience the ultimate Upper Peninsula lifestyle in this beautiful 3-bedroom, 2-bathroom home nestled on an expansive, flat waterfront lot. The property features a manicured yard with thoughtful landscaping that leads directly to your own private, sandy Lake Michigan beach and a cozy lakeside fire pit--perfect for taking in breathtaking water views and starry nights. The massive lot offers plenty of space and flexibility for future expansion or outdoor entertaining on the large deck. This rare find is located inside the prestigious Hiawatha Sportsman's Club (membership required), giving you exclusive access to incredible club amenities, pristine acreage, and private recreational opportunities. Ideally situated for the outdoor enthusiast, you are just moments from premier ORV trails and within easy driving distance of iconic attractions like Mackinac Island and Tahquamenon Falls. Whether you are seeking a premier year-round residence or a dream lakeside retreat, this exceptional property offers a unique blend of privacy, community, and natural beauty. Schedule your private tour today!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
31
BikeSomewhat Bikeable

Schools

5/10
Engadine SchoolsGrades PK-124.3 mi

Construction

Condition

  • Year built: 1998

Materials

  • Foundation: Block
  • Roof: Asphalt
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Electric Range,Microwave,Range Hood,Refrigerator,Washer
  • Laundry features: Main Level

Basement

  • Basement: Crawl Space

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Ceiling Fan(s)
  • Window features: Window Coverings,Double Pane Windows
  • Flooring: Hardwood,Tile
  • Fireplace features: Wood Burning
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 1,560

Heating

  • Heating features: Forced Air,Propane

Interior Area

  • Total structure area: 1,560
  • Total interior livable area: 1,560 sqft

Property

Details

  • Parcel number: 00464003000; 00464003100; 00464003200
  • Other equipment: Satellite Dish

Features

  • Levels: One and One Half
  • Stories: 1
  • Has view: Yes
  • View description: Water
  • Has water view: Yes
  • Water view: Water

Lot

  • Lot size: 0.51 Acres

Parking

  • Parking features: RV Access/Parking

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 $2,624$31,488
Home Insurance *$115$1,380
Property Taxes $371$4,452
Electricity $188$2,259
Total$3,298$39,576
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$113,074/yr
40% on housing$98,940/yr
45% on housing$87,946/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

$333This listing

vs Other Active Listings

Avg $/sqft

ZIP 49762$103
Mackinac County$179

vs Homes Sold Last Month

Median $/sqft

ZIP 49762
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)

Price History

DateEventPrice
2026-08-11Contingent$519,000
2026-07-28Listed for sale$519,000
2026-06-22Contingent$519,000
2026-06-16Listed for sale$519,000

For Sale by Agent

AgentNatalie King
BrokerageCOLDWELL BANKER SCHMIDT - CEDARVILLE

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