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13117 Lakeshore Dr, Shelbyville, MI, 49344

3beds
2baths
1,585sqft
$699,900
$442price/sqft
$5,325/moest. monthly cost
$213,000/yrincome needed

About This Home

Enjoy lake living with this 3-bedroom, 2-bath ranch on Gun Lake. This home features a open layout, great water views, patio and afire pit perfect for relaxing or entertaining by the lake. The large 4-stall garage offers plenty of room for vehicles and storage. Great opportunity for a year-round home or weekend getaway on the water.

Getting Around

15
WalkingCar-Dependent
0
TransitVery Limited Transit
31
BikeSomewhat Bikeable

Schools

6/10
5/10
Wayland High SchoolGrades 9-126.5 mi
6/10
R.J. Steeby SchoolGrades PK,2-36.9 mi

Construction

Condition

  • Year built: 2002

Materials

  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Laundry features: Main Level

Basement

  • Basement: Slab

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bedrooms: 3

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,585
  • Total interior livable area: 1,585 sqft

Property

Details

  • Parcel number: 2464001400
  • Zoning description: res

Features

  • Stories: 1
  • Waterfront features: Lake

Lot

  • Lot size: 9,583 sqft
  • Lot size dimensions: 50 x 190

Parking

  • Total spaces: 4
  • Parking features: Detached
  • Has garage: Yes
  • Attached garage spaces: 4
  • Covered spaces: 4

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

  • Hail
    HailModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hail
Strong Wind
Tornado
Winter Weather
Tsunami

FEMA Declared Disasters in Allegan 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 $3,539$42,468
Home Insurance *$371$4,452
Property Taxes $1,227$14,724
Electricity $188$2,259
Total$5,325$63,900
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$182,571/yr
40% on housing$159,750/yr
45% on housing$142,000/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: 18.9%
18.9%
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

$442This listing

vs Other Active Listings

Avg $/sqft

ZIP 49344$193
Allegan County$258

vs Homes Sold Last Month

Median $/sqft

ZIP 49344$196
Allegan County$217

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
2026-05-01Listed for sale$725,000

For Sale by Agent

AgentMichael S Balsitis
BrokerageBellabay Realty LLC

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