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5964 122nd Ave, Fennville, MI, 49408

2beds
1baths
547sqft
$549,900
$1,005price/sqft
$4,091/moest. monthly cost
$163,640/yrincome needed

About This Home

100 Feet of Prime Lakefront on Hutchins Lake. A rare opportunity to own 100 feet of shoreline on the coveted 360-acre all-sports Hutchins Lake--properties like this are nearly impossible to find on the market. This offering includes two separate 50 ft lakefront parcels, all in one package of 100 ft. One parcel features a cozy cottage, perfect for enjoying the lake immediately. The adjoining parcel is ready for your vision--or tear the cottage down an build your dream home on both lots. Current owner has enjoyed this for over 40 years, this lakeside gem is now ready for its next chapter. Imagine the memories you'll create here--sun-soaked afternoons, peaceful mornings on the water, and generations of laughter and connection. Endless possibilities. Your lake life begins now.

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

4/10
5/10
Fennville Middle SchoolGrades 6-82.1 mi
5/10

Construction

Condition

  • Year built: 1975

Materials

  • Roof: Asphalt,Shingle
  • Construction materials: Wood Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Microwave,Range,Refrigerator
  • Laundry features: None

Basement

  • Basement: Partial

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1
  • Main level bedrooms: 2

Family Room

  • Level: Main
  • Area: 105
  • Dimensions: 15.00 x 7.00

Features

  • Flooring: Carpet,Vinyl

Heating

  • Heating features: Other

Interior Area

  • Total structure area: 547
  • Total interior livable area: 547 sqft

Property

Details

  • Parcel number: 0415002900, 030415003000
  • Zoning description: 4012 Res

Features

  • Stories: 1
  • Patio & porch: Scrn Porch
  • On waterfront: Yes
  • Waterfront features: Lake
  • Waterbody name: Hutchins Lake

Lot

  • Lot size: 10,018 sqft
  • Lot size dimensions: 50 x 100 and 50 x 100

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

  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Strong Wind
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 $2,780$33,360
Home Insurance *$160$1,920
Property Taxes $963$11,556
Electricity $188$2,259
Total$4,091$49,092
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$140,262/yr
40% on housing$122,730/yr
45% on housing$109,093/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

$1,005This listing

vs Other Active Listings

Avg $/sqft

ZIP 49408$285
Allegan County$259

vs Homes Sold Last Month

Median $/sqft

ZIP 49408$275
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
2025-10-27Price change$599,900
2025-09-30Pending sale$625,000
2025-09-18Listed for sale$625,000

For Sale by Agent

AgentSteve Frody
BrokerageCity2Shore Real Estate Inc.

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