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7774 Colony Dr, Clay Township, MI, 48001

3beds
3baths
2,834sqft
$450,000
$159price/sqft
$2,818/moest. monthly cost
$112,720/yrincome needed

About This Home

*Price Improvement* Enjoy 2,834 sq. ft. of waterfront living in this distinctive 1.5-story home featuring 3 bedrooms, 3 full bathrooms, large deck, and attached garage. Blending Mid-Century Modern architecture with the warmth of a lakeside cottage, the home offers an oversized kitchen, dining area, loft, large laundry room, and beautiful knotty pine accents throughout. The spacious upper-level bonus room provides endless possibilities for a fourth bedroom, guest suite, home office, or recreation space. Recent improvements include fresh interior paint in key living areas, updated recessed lighting, new exterior lighting, several new windows, a new garage door, newer appliances, a roof replaced within the last 10 years, and a reinforced, tied seawall. Step outside to a spacious waterfront deck overlooking the water—perfect for relaxing, entertaining, or enjoying boating, fishing, and swimming right from your backyard. BATVAI.

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
26
BikeSomewhat Bikeable

Schools

--
5/10
Algonac High SchoolGrades 7-122.0 mi
6/10

Construction

Condition

  • Year built: 1953

Materials

  • Foundation: Crawl Space
  • Roof: Asphalt
  • Construction materials: Stone,Wood Siding

Notable Dates

  • Major remodel year: 2026

Type & Style

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

Interior

Appliances

  • Appliances included: Built In Electric Range,Dishwasher,Disposal,Dryer,Free Standing Refrigerator,Microwave,Washer

Bedroom

  • Level: Entry
  • Area: 130
  • Dimensions: 13 X 10

Bedroom

  • Level: Entry
  • Area: 100
  • Dimensions: 10 X 10

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 3

Dining Room

  • Level: Entry
  • Area: 352
  • Dimensions: 22 X 16

Features

  • Jetted Tub,Programmable Thermostat
  • Fireplace features: Electric,Wood Burning
  • Fireplace: Yes
  • Finished area above ground: 2,834

Flex Room

  • Level: Second
  • Area: 224
  • Dimensions: 14 X 16

Game Room

  • Level: Second
  • Area: 828
  • Dimensions: 36 X 23

Heating & Cooling

  • Heating features: Forced Air,Natural Gas
  • Cooling features: Central Air

Interior Area

  • Total interior livable area: 2,834 sqft

Kitchen

  • Level: Entry
  • Area: 165
  • Dimensions: 15 X 11

Laundry

  • Level: Entry
  • Area: 156
  • Dimensions: 13 X 12

Living Room

  • Level: Entry
  • Area: 260
  • Dimensions: 20 X 13

Other

  • Level: Entry
  • Area: 56
  • Dimensions: 8 X 7

Other

  • Level: Entry
  • Area: 30
  • Dimensions: 5 X 6

Other

  • Level: Second
  • Area: 72
  • Dimensions: 8 X 9

Primary Bedroom

  • Level: Entry
  • Area: 210
  • Dimensions: 14 X 15

Property

Details

  • Parcel number: 74142170145000
  • Special condition: Short Sale No,Standard

Features

  • Levels: One And One Half
  • Stories: 1
  • Entry location: GroundLevelwSteps
  • Pool features: None
  • Patio & porch: Deck
  • Exterior features: Balcony
  • On waterfront: Yes
  • Waterfront features: Canal Front,Seawall

Lot

  • Lot size: 7,840 sqft
  • Lot size dimensions: 64.7 x 125

Parking

  • Total spaces: 1
  • Parking features: One Car Garage,Attached
  • Has garage: Yes
  • Attached garage spaces: 1

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 WaveRelatively High
  • Coastal Flooding
    Coastal FloodingModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Cold Wave
Coastal Flooding
Inland Flooding
Ice Storm
Strong Wind
Tornado
Tsunami

FEMA Declared Disasters in St. Clair 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 $2,275$27,300
Home Insurance *$217$2,604
Property Taxes $17$204
Electricity $309$3,709
Total$2,818$33,816
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$96,617/yr
40% on housing$84,540/yr
45% on housing$75,146/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: 10.5%
10.5%
0%30.0%
Electricity Growth Rate10-year average: 3.9%
3.9%
0%15.0%
Property Taxes Growth Rate2-year average: -0.3%
-0.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$159This listing

vs Other Active Listings

Avg $/sqft

ZIP 48001$187
St. Clair County$152

vs Homes Sold Last Month

Median $/sqft

ZIP 48001$191
St. Clair County$169

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
2026-08-13Price change$435,000
2026-07-09Price change$450,000
2026-06-03Listed for sale$465,000
2007-12-02Listing removed$269,900
2007-11-16Listed for sale$269,900

For Sale by Agent

AgentKelly Larsh
BrokerageKey Realty - Monroe

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