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38128 Lakeshore Dr, Harrison Township, MI, 48045

4beds
4baths
3,928sqft
$1,299,000
$331price/sqft
$10,036/moest. monthly cost
$401,440/yrincome needed

About This Home

Welcome to your dream home! Nearly 4,000 square feet of elegance and comfort are set directly on the shores of Lake St. Clair. This 4-bedroom, 3.5-bath residence offers unparalleled lake views and custom features throughout.On the main level, enjoy sun-filled living spaces with hardwood floors, a dedicated office, a cozy den, and a spacious living room with expansive windows showcasing breathtaking lakefront views. The chef’s kitchen is complete with custom cabinetry, premium finishes, and a seamless flow to the patio and Trex deck, perfect for entertaining.The second level is anchored by a serene primary suite featuring panoramic water views, a spa-inspired full bath, and a generous walk-in closet. The additional bedrooms are equally spacious, including a large second bedroom with its own walk-in closet. The finished third level provides a versatile bonus retreat with a full bath — ideal for guests, a home gym, or creative studio. Outside, enjoy a fenced backyard, Trex decking, and a 3-car heated garage with abundant space for storage, hobbies, or toys. Every detail has been thoughtfully designed to maximize comfort, style, and function, all just steps from the lake.

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

Construction

Condition

  • Year built: 2002

Materials

  • Construction materials: Brick

Type & Style

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

Interior

Appliances

  • Appliances included: Bar Fridge,Dishwasher,Dryer,Refrigerator,Washer
  • Laundry features: Main Level

Basement

  • Basement: Crawl Space

Bathroom1

  • Features: Ceramic
  • Level: Second
  • Area: 136

Bathroom2

  • Features: Ceramic
  • Level: Second
  • Area: 48

Bathroom3

  • Features: Ceramic
  • Level: Third
  • Area: 60

Bedroom1

  • Features: Carpet
  • Level: Second
  • Area: 350

Bedroom2

  • Features: Carpet
  • Level: Second
  • Area: 450

Bedroom3

  • Features: Carpet
  • Level: Second
  • Area: 270

Bedroom4

  • Features: Carpet
  • Level: Third
  • Area: 322

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Dining Room

  • Features: Wood
  • Level: Main
  • Area: 140

Features

  • Flooring: Ceramic Tile,Carpet,Wood
  • Finished area below ground: 0
  • Finished area above ground: 3,928

Heating & Cooling

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

Interior Area

  • Total structure area: 3,928
  • Total interior livable area: 3,928 sqft

Kitchen

  • Features: Wood
  • Level: Main
  • Area: 154

Living Room

  • Features: Wood
  • Level: Main
  • Area: 418

Office

  • Level: Main
  • Area: 210

Property

Details

  • Parcel number: 1222331008
  • Special condition: Private

Features

  • Levels: Two
  • Stories: 2
  • On waterfront: Yes
  • Waterfront features: Lake Front
  • Frontage type: Road
  • Frontage length: 50

Lot

  • Lot size: 10,018 sqft
  • Lot size dimensions: 50 x 200

Parking

  • Total spaces: 3.5
  • Parking features: Attached
  • Has garage: Yes
  • Attached garage spaces: 3.5
  • Covered spaces: 3.5

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
  • Tornado
    TornadoRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Strong Wind
    Strong WindModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Cold Wave
Tornado
Inland Flooding
Ice Storm
Strong Wind
Tsunami

FEMA Declared Disasters in Macomb County and Michigan

Flood
Severe Ice Storm
Severe Storm
Tornado
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 $6,568$78,816
Home Insurance *$518$6,216
Property Taxes $2,522$30,264
Electricity $428$5,141
Total$10,036$120,432
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$344,091/yr
40% on housing$301,080/yr
45% on housing$267,626/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: 11.9%
11.9%
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

$331This listing

vs Other Active Listings

Avg $/sqft

ZIP 48045$204
Macomb County$145

vs Homes Sold Last Month

Median $/sqft

ZIP 48045$207
Macomb County$162

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
2025-12-18Price change$1,299,000
2025-09-29Listed for sale$1,375,000
2004-08-06Sold$960,000

For Sale by Agent

AgentNagib Zindani
BrokerageKW Platinum

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