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1298 S Cass Lake Rd, Waterford, MI, 48328

3beds
2baths
1,240sqft
$474,900
$383price/sqft
$3,788/moest. monthly cost
$151,520/yrincome needed

About This Home

A rare chance to own on Cass Lake with canal frontage, dock, and grandfathered-in boathouse—just in time for summer. This beautifully updated 3-bedroom, 2-bath ranch offers 100 feet of canal frontage and immediate access to the water. Inside, the primary suite features a renovated en suite bath with a Euro-style shower and heated floors. Both bathrooms have been fully updated with modern, clean finishes. The fully fenced backyard provides space for entertaining, relaxing, or enjoying peaceful lake views. Boating and water-sport enthusiasts will love the large dock and rare grandfathered-in boathouse—perfect for a jet ski or additional watercraft storage. Major updates include a newer roof (2017), furnace and A/C (2018), hot water heater (2022), and newer washer and dryer. Immediate occupancy available. A move-in-ready opportunity to enjoy lake living just in time for the season.

Getting Around

48
WalkingCar-Dependent
0
TransitVery Limited Transit
35
BikeSomewhat Bikeable

Schools

5/10
Mason Middle SchoolGrades 6-84.8 mi
5/10

Construction

Condition

  • Year built: 1953

Materials

  • Foundation: Crawl Space
  • Construction materials: Vinyl Siding

Notable Dates

  • Major remodel year: 2007

Type & Style

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

Interior

Appliances

  • Appliances included: Built In Gas Range,Dishwasher,Dryer,Free Standing Refrigerator,Microwave,Washer

Bedroom

  • Level: Entry
  • Area: 100
  • Dimensions: 10 X 10

Bedroom

  • Level: Entry
  • Area: 72
  • Dimensions: 8 X 9

Bedrooms & Bathrooms

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

Features

  • Finished area above ground: 1,240

Heating & Cooling

  • Heating features: Forced Air,Natural Gas
  • Cooling features: Central Air

Interior Area

  • Total interior livable area: 1,240 sqft

Other

  • Level: Entry
  • Area: 56
  • Dimensions: 8 X 7

Primary Bathroom

  • Level: Entry
  • Area: 35
  • Dimensions: 7 X 5

Primary Bedroom

  • Level: Entry
  • Area: 132
  • Dimensions: 11 X 12

Property

Details

  • Parcel number: 1335455032
  • Special condition: Short Sale No,Standard
  • Exclusions: Exclusion(s) Do Not Exist

Features

  • Levels: One
  • Stories: 1
  • Entry location: GroundLevelwSteps
  • Pool features: None
  • Fencing: Back Yard,Fenced
  • On waterfront: Yes
  • Waterfront features: All Sports Lake,Canal Access,Canal Front,Dock Facilities,Lake Front,Waterfront
  • Waterbody name: Cass Lake

Lot

  • Lot size: 9,147 sqft
  • Lot size dimensions: 40.6 x 89

Parking

  • Total spaces: 2
  • Parking features: Two Car Garage,Attached
  • Has garage: Yes
  • Attached garage 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

  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Ice Storm
    Ice StormModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Tornado
Cold Wave
Heat Wave
Ice Storm
Strong Wind

FEMA Declared Disasters in Oakland County and Michigan

Flood
Severe Ice Storm
Severe Storm
Tornado
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 $2,401$28,812
Home Insurance *$319$3,828
Property Taxes $880$10,560
Electricity $188$2,259
Total$3,788$45,456
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$129,874/yr
40% on housing$113,640/yr
45% on housing$101,013/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: 14.2%
14.2%
0%30.0%
Electricity Growth Rate10-year average: 3.9%
3.9%
0%15.0%
Property Taxes Growth Rate2-year average: 0.0%
0.0%
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 48328$161
Oakland County$199

vs Homes Sold Last Month

Median $/sqft

ZIP 48328$185
Oakland County$192

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
2026-02-16Price change$499,000
2026-01-31Listed for sale$530,000
2026-01-22Listing removed--
2026-01-07Listed for sale$515,000
2024-11-15Sold$455,000
2024-10-14Pending sale$445,000
2024-10-03Listed for sale$445,000
2024-06-10Sold$370,000
2024-05-12Pending sale$355,000
2024-05-09Listed for sale$355,000
2018-08-02Sold$236,000
2018-06-19Pending sale$240,000
2018-05-24Listed for sale$240,000
2007-09-05Sold$154,500
2006-10-24Sold$162,161
2006-05-08Sold$155,000

For Sale by Agent

AgentDean Sigler
BrokerageHigher Living Real Estate

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