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2104 Apple Hill Dr, Traverse City, MI, 49686

4beds
4baths
3,234sqft
$899,000
$278price/sqft
$6,638/moest. monthly cost
$265,520/yrincome needed

About This Home

Perched among the trees on 1.45 private acres, this extensively renovated home offers a unique treehouse-like setting with incredible views as far as West Bay. Just minutes from downtown Traverse City & public beach access this property combines privacy and convenience. Designed for both everyday living and entertaining, the home features expansive windows that flood the interior with natural light, multiple outdoor living spaces, and inviting gathering areas throughout. The main living area opens to a spacious deck with cable railing, creating a seamless connection to the surrounding wooded views, while the private primary suite enjoys its own secluded deck. A striking rock retaining wall adds impressive curb appeal along the driveway, and a lower-level patio provides additional outdoor space to relax and entertain. Beautifully maintained landscaping and a lawn irrigation system enhance the property's appeal. Inside, the home showcases solid bamboo flooring, new carpet and tile, custom cabinetry in the kitchen and primary bath, quartz countertops, updated trim and interior doors, and stainless steel appliances. The spacious primary suite features a walk-in closet and an oversized private bath. The finished lower level includes a fifth non-conforming bedroom and a shared full bath, providing flexibility for guests, hobbies, or home office space. Extensive updates provide peace of mind, including PEX plumbing, new wiring, a 200-amp electrical service, high-efficiency furnace and central air with humidifier, new ductwork, pressure tank, updated plumbing fixtures, and new siding. A 22' x 24' pole building with 100-amp electrical service offers additional storage and workspace. Home backs up to 170 acres of Grand Traverse Conservancy land. The home's utility chase allows for easy future plumbing and electrical expansion, making this a property that's as practical as it is beautiful.

Getting Around

2
WalkingCar-Dependent
0
TransitVery Limited Transit
7
BikeSomewhat Bikeable

Schools

7/10
7/10
East Middle SchoolGrades 6-81.7 mi
7/10
Central High SchoolGrades 8-123.6 mi

Construction

Condition

  • Year built: 1978

Materials

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

Notable Dates

  • Major remodel year: 2023

Type & Style

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

Interior

Appliances

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

Basement

  • Has basement: Yes
  • Basement: Full,Walk-Out Access

Bedroom2

  • Level: Main
  • Area: 153

Bedroom3

  • Level: Upper
  • Area: 210

Bedroom4

  • Level: Upper
  • Area: 276

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main
  • Area: 210

Family Room

  • Level: Lower
  • Area: 576

Features

  • Entrance Foyer,Pantry,Loft,Solid Surface Counters,Kitchen Island,Mud Room,Den/Study,Drywall,Ceiling Fan(s),Cable TV,WiFi
  • Window features: Bay Window(s),Blinds
  • Flooring: Wood,Tile,Other,Carpet
  • Fireplace features: Insert,Wood Burning
  • Fireplace: Yes
  • Finished area below ground: 908
  • Finished area above ground: 2,326

Heating & Cooling

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

Interior Area

  • Total structure area: 3,234
  • Total interior livable area: 3,234 sqft

Kitchen

  • Level: Main
  • Area: 168

Living Room

  • Level: Main
  • Area: 221

Master Bathroom

  • Features: Private

Master Bedroom

  • Level: Main
  • Area: 364

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 0321604010
  • Zoning description: Residential

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Deck,Multi-Level Decking,Porch
  • Exterior features: Sprinkler System,Sidewalk
  • Has view: Yes
  • View description: Countryside View,Seasonal View
  • Waterfront features: None

Lot

  • Lot size: 1.45 Acres
  • Features: Wooded,Evergreens,Sloped,Landscaped,Metes and Bounds
  • Lot size dimensions: 154 x 460 x 273 x 150

Parking

  • Total spaces: 2
  • Parking features: Attached,Drive Under/Built-In,Asphalt
  • Has garage: Yes
  • Attached garage 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

  • Cold Wave
    Cold WaveVery High
  • Winter Weather
    Winter WeatherVery High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Hail
    HailModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Cold Wave
Winter Weather
Lightning
Strong Wind
Hail
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 $4,545$54,540
Home Insurance *$339$4,068
Property Taxes $1,402$16,824
Electricity $352$4,232
Total$6,638$79,656
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$227,588/yr
40% on housing$199,140/yr
45% on housing$177,013/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

$278This listing

vs Other Active Listings

Avg $/sqft

ZIP 49686$272
Grand Traverse County$305

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
2026-06-05Listed for sale$899,000
2020-10-30Sold$250,000
2020-10-28Pending sale$240,000
2020-08-24Listed for sale$240,000

For Sale by Agent

AgentLeanne Deeren
BrokerageREO-TCFront-233021

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