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5619 Rays Dr, Onsted, MI, 49265

2beds
2baths
1,568sqft
$599,900
$383price/sqft
$4,672/moest. monthly cost
$186,880/yrincome needed

About This Home

This rare find on Sand Lake is a must-see with 3 lots totaling 1.42 acres! A truly unique property with an Up North feel featuring your own private dock, turn-key home, plenty of parking, oversized garage, and a peaceful back yard. With updates over the past 6 years including a new roof, whole home generator, furnace and AC, you can relax in comfort knowing your home is equipped with updated systems designed for year-round reliability. This 1,568 square foot home has a spacious floor plan with generous rooms sizes including 2 bedrooms, 2 bathrooms, first floor laundry and an open great room - perfect for entertaining! Includes ample storage or room to grow with a full basement ready for your personal touch. Enjoy your own private oasis with mature trees, lush perennial plants, and beautiful hardscaping near the water’s edge. Deeded rights to the neighborhood park lot next to your canal frontage included with the home. Schedule your showing today! Welcome home!

Getting Around

7
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

6/10
Onsted ElementaryGrades PK-54.8 mi
7/10
Onsted Middle SchoolGrades 6-84.8 mi
8/10

Construction

Condition

  • Year built: 1997

Materials

  • Foundation: Basement
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Microwave,Range/Oven,Refrigerator,Washer,Water Softener Owned,Gas Water Heater
  • Laundry features: First Floor Laundry,Entry

Basement

  • Has basement: Yes
  • Basement: Block

Bathroom1

  • Features: Ceramic
  • Level: Entry
  • Area: 70

Bathroom2

  • Features: Ceramic
  • Level: Entry
  • Area: 195

Bedroom1

  • Features: Carpet
  • Level: Entry
  • Area: 264

Bedroom2

  • Features: Carpet
  • Level: Entry
  • Area: 195

Bedrooms & Bathrooms

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

Dining Room

  • Features: Laminate
  • Level: Entry
  • Area: 108

Features

  • Sump Pump
  • Flooring: Carpet,Laminate,Ceramic Tile
  • Number of fireplaces: 1
  • Fireplace features: Gas
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 1,568

Heating & Cooling

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

Interior Area

  • Total structure area: 3,136
  • Total interior livable area: 1,568 sqft

Kitchen

  • Features: Laminate
  • Level: Entry
  • Area: 132

Living Room

  • Features: Laminate
  • Level: Entry
  • Area: 228

Property

Details

  • Parcel number: CA0410056000
  • Zoning description: Residential
  • Special condition: Private

Features

  • Levels: One
  • Stories: 1
  • Fencing: Fenced
  • Has view: Yes
  • View description: Canal
  • Has water view: Yes
  • Water view: Canal
  • On waterfront: Yes
  • Waterfront features: All Sports Lake,Waterfront
  • Waterbody name: Sand Lake
  • Frontage type: Road
  • Frontage length: 103

Lot

  • Lot size: 1.42 Acres
  • Features: Subdivision
  • Lot size dimensions: 103

Parking

  • Total spaces: 2
  • Parking features: Garage,Attached
  • 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
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Strong Wind
Tornado
Hail
Inland Flooding
Ice Storm
Lightning
Winter Weather

FEMA Declared Disasters in Lenawee 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 $3,033$36,396
Home Insurance *$288$3,456
Property Taxes $1,163$13,956
Electricity $188$2,259
Total$4,672$56,064
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$160,182/yr
40% on housing$140,160/yr
45% on housing$124,586/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: 5.3%
5.3%
0%30.0%
Electricity Growth Rate10-year average: 3.9%
3.9%
0%15.0%
Property Taxes Growth Rate2-year average: 0.2%
0.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$383This listing

vs Other Active Listings

Avg $/sqft

ZIP 49265$220
Lenawee County$153

vs Homes Sold Last Month

Median $/sqft

ZIP 49265$202
Lenawee County$141

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
2026-08-15Price change$574,900
2026-07-25Price change$599,900
2026-07-04Listed for sale$615,000
2017-10-13Sold$215,000
2017-08-29Pending sale$225,000
2017-08-25Price change$225,000
2017-08-11Price change$238,900
2017-08-03Price change$239,900
2017-07-17Price change$243,000
2017-07-05Listed for sale$248,000

For Sale by Agent

AgentSarah Buku
BrokerageGrata Domum Realty, LLC

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