1450 N Payne Lake Rd, Middleville, MI, 49333
About This Home
A truly rare offering on Barlow Lake, this property combines a beautifully maintained home with two additional lakefront parcels to create an opportunity that seldom comes to market. Whether you envision a private family estate, a multi-generational retreat, or the flexibility to enjoy the existing home while building your dream waterfront residence, this property offers options that are increasingly difficult to find. Tucked into a private wooded setting on 11.9 acres with minimal neighboring homes, you'll enjoy the privacy, natural beauty, and the peaceful lifestyle that makes Barlow Lake so special. The additional lakefront parcels expand the possibilities, offering exceptional flexibility today and future potential, including possible land splits and additional building opportunities. This is more than a home—it's an opportunity to create a legacy property for generations to come. The property is being offered as a complete package initially. The seller may offer the home with approximately 6.7 acres separately.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1995
Materials
- Roof: Composition
- Construction materials: Vinyl Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Traditional
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Dryer,Microwave,Range,Refrigerator,Washer
- Laundry features: Laundry Room,Main Level
Basement
- Basement: Full
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 2
- Main level bedrooms: 1
Features
- Center Island,Eat-in Kitchen
- 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: 1,748
- Total interior livable area: 1,748 sqft
Property
Details
- Parcel number: 1600500146; 1612516701; 1612516901
- Zoning description: RLF
Features
- Stories: 2
- Exterior features: Balcony
- On waterfront: Yes
- Waterfront features: Lake
- Waterbody name: Barlow Lake
Lot
- Lot size: 11.90 Acres
- Features: Recreational,Wooded,Rolling Hills,Shrubs/Hedges
- Lot size dimensions: 1206 x 400 x 1162 x 496 Irreg
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
- Strong Wind
- Tornado
How This Home’s Risks Compare
FEMA Declared Disasters in Barry County and Michigan
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $7,584 | $91,008 |
| Home Insurance * | $572 | $6,864 |
| Property Taxes | $1,030 | $12,360 |
| Electricity | $190 | $2,287 |
| Total | $9,376 | $112,512 |
Income You'd Need if You Spent...
Michigan FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-07-24 | Listed for sale | $1,499,900 |
| 2025-07-15 | Listing removed | $3,200 |
| 2025-01-28 | Listed for rent | $3,200 |
| 2024-06-17 | Sold | $700,000 |
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