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186 S South Long Lake Rd, Traverse City, MI, 49685

1beds
0baths
925sqft
$799,900
$865price/sqft
$4,771/moest. monthly cost
$190,840/yrincome needed

About This Home

Long Lake property with 66 feet of private frontage on the highly desirable south end of the lake. The .30 acre lot offers a gentle slope toward the water, sandy bottom frontage, and excellent potential for a future home with a walkout lower level. Existing cabin and driveway are already in place, along with power to the property. Located on all sports Long Lake with easy access to boating, swimming, and year round recreation. This property is an ideal setting for enjoying the best of Northern Michigan lake living with close proximity to everything Traverse City has to offer.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
20
BikeSomewhat Bikeable

Schools

7/10
8/10
West Middle SchoolGrades 6-86.1 mi
8/10
West Senior HighGrades 9-125.1 mi

Construction

Condition

  • Property condition: Fixer
  • Year built: 1920

Materials

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

Type & Style

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

Interior

Appliances

  • Appliances included: None
  • Laundry features: None

Basement

  • Basement: Crawl Space

Bedrooms & Bathrooms

  • Bedrooms: 1
  • Main level bedrooms: 1

Features

  • Fireplace features: None
  • Finished area below ground: 0
  • Finished area above ground: 925

Interior Area

  • Total structure area: 925
  • Total interior livable area: 925 sqft

Kitchen

  • Level: Main
  • Area: 104.6181

Living Room

  • Level: Main
  • Area: 256.6667

Master Bathroom

  • Features: None

Master Bedroom

  • Level: Main
  • Area: 170.2917

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 0730001700
  • Zoning description: Residential

Features

  • Levels: One
  • Stories: 1
  • Exterior features: None
  • Has view: Yes
  • View description: Water
  • Water view: Water
  • On waterfront: Yes
  • Waterfront features: Inland Lake,All Sports,Sandy Bottom,Lake
  • Waterbody name: Long Lake
  • Frontage type: Waterfront
  • Frontage length: 66

Lot

  • Lot size: 0.30 Acres
  • Features: Level,Sloped,Subdivided
  • Lot size dimensions: 66 x 200 x 66 x 200

Parking

  • Parking features: None,Dirt

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

  • Winter Weather
    Winter WeatherVery High
  • Cold Wave
    Cold WaveRelatively High
  • Lightning
    LightningModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Winter Weather
Cold Wave
Lightning
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 $4,044$48,528
Home Insurance *$179$2,148
Property Taxes $360$4,320
Electricity $188$2,259
Total$4,771$57,252
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$163,577/yr
40% on housing$143,130/yr
45% on housing$127,226/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

$865This listing

vs Other Active Listings

Avg $/sqft

ZIP 49685$264
Grand Traverse County$304

vs Homes Sold Last Month

Median $/sqft

ZIP 49685$303
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
2026-07-28Price change$799,900
2026-05-17Listed for sale$850,000
2026-04-28Listing removed--
2026-04-27Price change$830,000
2026-04-19Listed for sale$850,000

For Sale by Agent

AgentMatthew Crane
BrokerageBerkshire Hathaway Homeservices - TC

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