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321 Lakeshore Dr, Douglas, MI, 49406

4beds
2baths
2,036sqft
$1,395,000
$685price/sqft
$10,233/moest. monthly cost
$409,320/yrincome needed

About This Home

A rare opportunity to live right on the stretch of Lakeshore Drive that defines Saugatuck/Douglas. Built in 1939 by the McVea family — proprietors of the General Store three doors down — this gracious Colonial has welcomed summer visitors for generations and sits just a 7-minute walk from Douglas Beach. It's perfect for full-time living or STR opportunities. Large windows fill the home with light year-round, from filtered summer sunsets over Lake Michigan to open seasonal views. Thoughtfully renovated while preserving original 1939 details, it offers a spacious kitchen and dining room, a south-facing living room with fireplace, and an east-facing sunroom opening to a deck for 30+ guests. Outside: a fire pit, courtyard garden, fruit trees, and open lawn. Upstairs are four bedrooms and an updated (2025) full bath. A whole-house generator adds peace of mind, and a classic brick porch completes this Saugatuck/Douglas treasure. The McVea family's parents once ran the Beachmont Guest House two doors down, welcoming summer vacationers to this same stretch of Lakeshore Drive long before the family built this home in 1939. That legacy of hospitality lives on — this property has a strong track record as a short-term rental, with guests returning year after year to experience the magic of the house and its surroundings. Step inside and the kitchen functions as an efficient hub for both everyday meals and larger buffet-style entertaining. A short hallway — passing the original 1939 built-in china cabinet and a first-floor ¾ bath — leads to the dining room at the front of the house, the setting for countless family meals, holiday celebrations, and spirited game nights. The living room occupies the entire south side of the home and centers on a fireplace that takes the chill off cool summer nights and winter days alike — the kind of room where you can watch snow fall outside beautiful windows and feel like you've stepped into a Hallmark movie. It flows into an east-facing sunroom wrapped in wall-to-wall sliding glass doors, screened for warm breezes and insulated against winter cold, and bathed in sunlight — the quintessential spot for morning coffee. The sunroom spills out to a generous deck shaded by a canopy of mature trees, a favorite spot for entertaining and easily able to host gatherings of 30 or more. A few steps down from the deck lead to a fire pit area, then out to a courtyard garden alongside the detached garage. Beyond the fruit trees and a fenced vegetable garden lies a sun-filled open lawn. Upstairs, the classic Colonial layout offers two back bedrooms with wonderful morning light and two front bedrooms with lake breezes, filtered summer glimpses of the water, and fuller seasonal views the rest of the year — with the sound of the waves to lull you, your family, and your guests to sleep. A full bathroom, updated in 2025, rounds out the second floor. A natural-gas-fed whole-house generator provides added peace of mind. And out front, sit on the porch and watch the world go by, or invite the neighbors up for a visit. The deep, half acre lots offers the ability to further enhance the property with a pool, guest house or a combination of both.

Getting Around

5
WalkingCar-Dependent
0
TransitVery Limited Transit
28
BikeSomewhat Bikeable

Schools

8/10
Douglas Elementary SchoolGrades PK-51.0 mi
7/10
Saugatuck Middle SchoolGrades 6-81.4 mi
8/10
Saugatuck High SchoolGrades 9-121.4 mi

Construction

Condition

  • Year built: 1939

Materials

  • Roof: Asphalt
  • Construction materials: Brick,Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Range,Refrigerator,Washer
  • Laundry features: In Basement

Basement

  • Basement: Full

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Ceiling Fan(s)
  • Window features: Window Treatments
  • Flooring: Carpet,Wood
  • Number of fireplaces: 1
  • Fireplace features: Living Room,Wood Burning
  • Fireplace: Yes
  • Finished area below ground: 0

Heating & Cooling

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

Interior Area

  • Total structure area: 2,036
  • Total interior livable area: 2,036 sqft

Property

Details

  • Parcel number: 5901702900

Features

  • Stories: 2

Lot

  • Lot size: 0.50 Acres
  • Features: Level,Shrubs/Hedges
  • Lot size dimensions: 56 x 385

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

  • Inland Flooding
    Inland FloodingRelatively High
  • Hail
    HailModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Inland Flooding
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 $7,053$84,636
Home Insurance *$291$3,492
Property Taxes $2,667$32,004
Electricity $222$2,664
Total$10,233$122,796
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$350,845/yr
40% on housing$306,990/yr
45% on housing$272,880/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

$685This listing

vs Other Active Listings

Avg $/sqft

ZIP 49406$434
Allegan County$257

vs Homes Sold Last Month

Median $/sqft

ZIP 49406$350
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)

No zestimate history available

Price History

DateEventPrice
2026-08-04Pending sale$1,395,000
2026-07-20Listed for sale$1,395,000
2002-12-13Sold$434,500
2002-06-28Sold$360,000
AgentMike Knoll
BrokerageCENTURY 21 Affiliated

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