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4301 Paper Birch Ln, Traverse City, MI, 49686

4beds
3baths
2,825sqft
$579,900
$205price/sqft
$4,166/moest. monthly cost
$166,640/yrincome needed

About This Home

Holiday Hills is the perfect setting for this spacious four bedroom, two full bath, and two half bath home, ideally located just 10 minutes from downtown Traverse City and around the corner from the TART Trail and Mt. Holiday ski area. Situated on a private, beautifully landscaped wooded lot, this one and a half story home features an attached two car garage, a covered front porch, and a walkout lower level. Inside, the main floor offers a welcoming living room with vaulted ceilings and a fireplace, along with a spacious island kitchen, breakfast nook, and dining area with French doors leading to the private back deck. The main floor primary suite includes a walk in closet and private bath. A laundry room and half bath complete the main level. Upstairs, you will find three generously sized bedrooms and a full bath. The walkout lower level provides additional living and entertaining space with a family room, wet bar area, craft room, half bath, and plenty of storage. Enjoy peaceful wooded surroundings while remaining close to recreation, shopping, dining, and everything Traverse City has to offer.

Getting Around

17
WalkingCar-Dependent
0
TransitVery Limited Transit
15
BikeSomewhat Bikeable

Schools

7/10
7/10
East Middle SchoolGrades 6-83.2 mi
7/10
Central High SchoolGrades 8-123.8 mi

Construction

Condition

  • Year built: 1989

Materials

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

Type & Style

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

Interior

Appliances

  • Appliances included: Refrigerator,Oven/Range,Disposal,Dishwasher,Microwave,Water Softener Owned,Washer,Dryer
  • Laundry features: Main Level

Basement

  • Has basement: Yes
  • Basement: Full,Walk-Out Access,Exterior Entry,Finished Rooms

Bedroom2

  • Level: Upper
  • Area: 161.66

Bedroom3

  • Level: Upper
  • Area: 130.98

Bedroom4

  • Level: Upper
  • Area: 123.9

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 2
  • Main level bathrooms: 2
  • Main level bedrooms: 1

Dining Room

  • Level: Main
  • Area: 116.4

Family Room

  • Level: Lower
  • Area: 357

Features

  • Entrance Foyer,Walk-In Closet(s),Granite Bath Tops,Granite Counters,Kitchen Island,Vaulted Ceiling(s),Drywall,Ceiling Fan(s),Cable TV,High Speed Internet
  • Window features: Blinds
  • Fireplace features: Wood Burning
  • Fireplace: Yes
  • Finished area below ground: 960
  • Finished area above ground: 1,865

Heating & Cooling

  • Heating features: Forced Air,Natural Gas,Fireplace(s)
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,825
  • Total interior livable area: 2,825 sqft

Kitchen

  • Level: Main
  • Area: 185.853

Living Room

  • Level: Main
  • Area: 291.595

Master Bathroom

  • Features: Private

Master Bedroom

  • Level: Main
  • Area: 244.2

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 0155006200
  • Zoning description: Residential

Features

  • Levels: One and One Half
  • Stories: 1
  • Patio & porch: Deck,Covered
  • Exterior features: Sprinkler System,Sidewalk,Rain Gutters
  • Has view: Yes
  • View description: Countryside View
  • Waterfront features: None

Lot

  • Lot size: 0.75 Acres
  • Features: Wooded,Rolling Slope,Landscaped,Subdivided
  • Lot size dimensions: 87 x 175 x 204 x 274

Parking

  • Total spaces: 2
  • Parking features: Attached,Garage Door Opener,Paved,Asphalt,Private
  • Has garage: Yes
  • Attached garage spaces: 2
  • Has uncovered spaces: Yes

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

  • Cold Wave
    Cold WaveVery High
  • Winter Weather
    Winter WeatherVery High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Cold Wave
Winter Weather
Lightning
Strong Wind
Tsunami

FEMA Declared Disasters in Grand Traverse 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 $2,932$35,184
Home Insurance *$219$2,628
Property Taxes $707$8,484
Electricity $308$3,697
Total$4,166$49,992
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$142,834/yr
40% on housing$124,980/yr
45% on housing$111,093/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: 2.8%
2.8%
0%30.0%
Electricity Growth Rate10-year average: 3.9%
3.9%
0%15.0%
Property Taxes Growth Rate2-year average: 0.7%
0.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$205This listing

vs Other Active Listings

Avg $/sqft

ZIP 49686$274
Grand Traverse County$306

vs Homes Sold Last Month

Median $/sqft

ZIP 49686$274
Grand Traverse County$238

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$579,900
1991-10-17Sold$152,450

For Sale by Agent

AgentChristina Ingersoll
BrokerageREMAX Bayshore - Union St TC

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