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1040 Echo Beach Dr, Jackson, MI, 49203

3beds
2baths
1,680sqft
$325,000
$193price/sqft
$2,494/moest. monthly cost
$99,760/yrincome needed

About This Home

Enjoy the waterfront lifestyle on public, all-sports Vandercook Lake! Owned by the same family for 45 years, this 3-bedroom, 1.5-bath home offers the perfect opportunity to finish renovations and make it your own. Many recent updates include a remodeled 2025 kitchen with island and new appliances, new main-level windows (2025), laminate flooring, furnace (2023), water heater (2023), updated bathrooms, new crawl space joists, newer home roof (within 5 years), new garage roof (2026), and a new dining room slider to the patio. The living room features a gas fireplace, and main-floor laundry adds convenience. The detached 576 sq. ft. garage, used primarily for storage, does not have garage doors and includes an attached lean-to for additional storage. Ideal as a year-round home, lake getaway, or potential Airbnb. Sold as-is.

Getting Around

3
WalkingCar-Dependent
0
TransitVery Limited Transit
26
BikeSomewhat Bikeable

Schools

3/10
5/10

Construction

Condition

  • Year built: 1927

Materials

  • Roof: Shingle
  • Construction materials: Aluminum Siding,Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Microwave,Range,Refrigerator
  • Laundry features: Laundry Room,Main Level

Basement

  • Basement: Crawl Space

Bedroom2

  • Level: Upper
  • Area: 144
  • Dimensions: 12.00 x 12.00

Bedroom3

  • Level: Upper
  • Area: 130
  • Dimensions: 13.00 x 10.00

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 1
  • 1/2 bathrooms: 1

Features

  • Center Island
  • Flooring: Carpet,Laminate
  • Number of fireplaces: 1
  • Fireplace features: Gas Log,Living Room
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Window Unit(s)

Interior Area

  • Total structure area: 1,680
  • Total interior livable area: 1,680 sqft

Kitchen

  • Level: Main
  • Area: 168
  • Dimensions: 14.00 x 12.00

Laundry

  • Level: Main
  • Area: 255
  • Dimensions: 17.00 x 15.00

Living Room

  • Level: Main
  • Area: 169
  • Dimensions: 13.00 x 13.00

Master Bedroom

  • Level: Upper
  • Area: 294
  • Dimensions: 21.00 x 14.00

Other

  • Level: Main
  • Area: 110
  • Dimensions: 11.00 x 10.00

Property

Accessibility

  • Accessibility features: Accessible Stairway

Details

  • Parcel number: 540132610200100
  • Zoning description: RU1

Features

  • Stories: 2
  • On waterfront: Yes
  • Waterfront features: Lake
  • Waterbody name: Vandercook Lake

Lot

  • Lot size: 0.25 Acres
  • Lot size dimensions: 88 x 134 x 80 x 110

Parking

  • Total spaces: 2
  • Parking features: Garage Faces Front,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

  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Tornado
Cold Wave
Hail
Strong Wind
Winter Weather

FEMA Declared Disasters in Jackson 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 $1,643$19,716
Home Insurance *$228$2,736
Property Taxes $435$5,220
Electricity $188$2,259
Total$2,494$29,928
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$85,508/yr
40% on housing$74,820/yr
45% on housing$66,506/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: 7.5%
7.5%
0%30.0%
Electricity Growth Rate10-year average: 3.9%
3.9%
0%15.0%
Property Taxes Growth Rate2-year average: 0.3%
0.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$193This listing

vs Other Active Listings

Avg $/sqft

ZIP 49203$112
Jackson County$130

vs Homes Sold Last Month

Median $/sqft

ZIP 49203$117
Jackson County$130

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
2026-07-29Listed for sale$325,000

For Sale by Agent

AgentHEATHER HERNDON
BrokerageHoward Hanna Real Estate Services

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