5884 Rays Dr, Onsted, MI, 49265
About This Home
Move in now and make the most of summer, then stay to experience the breathtaking fall colors on beautiful, all-sports Sand Lake in the heart of the Irish Hills. Enjoy true lakefront living from the spacious upper-level screened porch, offering stunning, unobstructed views of the water--perfect for morning coffee or evening relaxation. This charming 3-bedroom, 2-bath cottage features a full walkout lower level and sits on approximately 70 feet of prime waterfront. Whether you're watching wildlife, diving into a good book, or spending the day on the lake, this property delivers the peaceful retreat you've been looking for. Step outside to your private dock and embrace everything lake life has to offer. A detached 2-car garage provides ample storage for all your water toys and outdoor gear. Many new updates including new roof, gutters, both bathrooms and flooring.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1960
Materials
- Roof: Asphalt
- Construction materials: Vinyl Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Traditional
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dryer,Oven,Range,Refrigerator,Washer
- Laundry features: Lower Level
Basement
- Has basement: Yes
- Basement: Full,Walk-Out Access
Bathroom1
- Level: Upper
- Area: 90
- Dimensions: 10.00 x 9.00
Bedroom2
- Level: Upper
- Area: 90
- Dimensions: 10.00 x 9.00
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 2
- Main level bedrooms: 1
Features
- Ceiling Fan(s),Eat-in Kitchen
- Window features: Window Treatments
- Flooring: Carpet,Ceramic Tile,Tile,Vinyl
- Number of fireplaces: 1
- Fireplace features: Family Room,Wood Burning
- Fireplace: Yes
Heating & Cooling
- Heating features: Forced Air
- Cooling features: Central Air
Interior Area
- Total structure area: 1,480
- Total interior livable area: 1,480 sqft
Master Bedroom
- Level: Lower
- Area: 247
- Dimensions: 19.00 x 13.00
Property
Details
- Parcel number: CA0715052001
- Zoning description: RE
Features
- Stories: 2
- Patio & porch: Scrn Porch
- On waterfront: Yes
- Waterfront features: Lake
- Waterbody name: Sand Lake
Lot
- Lot size: 0.89 Acres
- Features: Corner Lot
- Lot size dimensions: 820 x 70 x 820 x 70
Parking
- Total spaces: 2
- Parking features: Detached
- 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
- Strong Wind
- Tornado
- Hail
- Inland Flooding
- Ice Storm
- Lightning
- Winter Weather
How This Home’s Risks Compare
FEMA Declared Disasters in Lenawee 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 | $2,149 | $25,788 |
| Home Insurance * | $204 | $2,448 |
| Property Taxes | $491 | $5,892 |
| Electricity | $188 | $2,259 |
| Total | $3,032 | $36,384 |
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 |
|---|---|---|
| 2026-04-03 | Listed for rent | $3,500 |
| 2026-04-03 | Price change | $475,000 |
| 2023-09-18 | Pending sale | $349,900 |
| 2023-09-15 | Sold | $300,000 |
| 2023-07-20 | Contingent | $349,900 |
| 2023-07-19 | Listed for sale | $349,900 |
| 2023-07-17 | Contingent | $349,900 |
| 2023-06-28 | Listed for sale | $349,900 |
| 2023-06-22 | Contingent | $349,900 |
| 2023-06-19 | Price change | $349,900 |
| 2023-05-05 | Listed for sale | $375,000 |
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