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46407 Houghton Dr, Shelby Township, MI, 48315

4beds
4baths
4,600sqft
$499,000
$108price/sqft
$4,051/moest. monthly cost
$162,040/yrincome needed

About This Home

Opportunity Knocks! Beautiful Lakefront living! Huge 3,000 square foot, 4 bedroom, 4 bath colonial with a walk-out basement. There is a front patio to sit and relax. As you enter the foyer you notice the hardwood floor and open stairway with a wood banister. Large living room with crown molding opens to the formal dining room. Den with Judges paneling. Main floor guest bathroom. First floor laundry. Open kitchen, dinette and great room. The kitchen has built-in Stove and Oven along with an island and plenty of cabinet and counter space. Huge great room with cathedral ceiling, a custom brick fireplace and door wall leading to the largest deck you'll find that overlooks beautiful Watkins Lake with breathtaking sunset views! Four large bedrooms. one is the oversized primary bedroom with walk-in closet, a separate vanity area with a sink outside of the private full bath with separate shower and soaking tub. Second full bath has double sinks. Second bedroom also has a walk-in closet and the other two bedroom have double closets. Solid wood doors thru-out. Finished walk-out basement is perfect for entertaining with a kitchen area, storage area and a full bathroom. Attached side loading 2.5 car garage with electric door opener. The big ticket items are already done...High efficiancy furnace and air conditioning (2022), Roof (2017) and updated casement windows, plus a whole house generator. The walk-out basement leads to the patio under the deck to relax on. Located in the Award winning Utica School district. Close to all the dining and shoping you need. The extra bonus is the paddle boat stays with the home. A little updating while adding your personal touches and you'll have yourself a beautiful Home! Priced below market compared to other lake front homes which have sold in the area.

Getting Around

13
WalkingCar-Dependent
0
TransitVery Limited Transit
28
BikeSomewhat Bikeable

Schools

6/10
6/10
9/10
Utica High SchoolGrades 9-122.1 mi

Construction

Condition

  • Year built: 1983

Materials

  • Foundation: Basement,Concrete Perimeter
  • Construction materials: Brick,Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Range/Oven
  • Laundry features: First Floor Laundry,Lower Level,Entry

Basement

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

Bathroom1

  • Level: Second

Bathroom2

  • Level: Second

Bathroom3

  • Level: Basement

Bedroom1

  • Level: Second
  • Area: 228

Bedroom2

  • Level: Second
  • Area: 165

Bedroom3

  • Level: Second
  • Area: 120

Bedroom4

  • Level: Second
  • Area: 132

Bedrooms & Bathrooms

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

Dining Room

  • Level: Entry
  • Area: 156

Features

  • High Ceilings,Interior Balcony,Cathedral/Vaulted Ceiling,Eat-in Kitchen
  • Flooring: Ceramic Tile,Hardwood
  • Number of fireplaces: 1
  • Fireplace features: Great Room
  • Fireplace: Yes
  • Finished area below ground: 1,600
  • Finished area above ground: 3,000

Great Room

  • Level: Entry
  • Area: 266

Heating & Cooling

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

Interior Area

  • Total structure area: 4,700
  • Total interior livable area: 4,600 sqft

Kitchen

  • Level: Entry
  • Area: 132

Living Room

  • Level: Entry
  • Area: 216

Master Bedroom

  • Level: First

Property

Details

  • Parcel number: 230735253021
  • Special condition: Private

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Deck,Patio,Porch
  • Exterior features: Balcony,Lawn Sprinkler,Sidewalks
  • Has view: Yes
  • View description: Lake
  • Has water view: Yes
  • Water view: Lake
  • On waterfront: Yes
  • Waterfront features: Lake Front,Waterfront,Interior Lake
  • Waterbody name: Watkins Lake
  • Frontage type: Road
  • Frontage length: 90

Lot

  • Lot size: 0.33 Acres
  • Features: Large Lot - 65+ Ft.
  • Lot size dimensions: 90 x 158

Parking

  • Total spaces: 2.5
  • Parking features: Attached,Electric in Garage,Garage Door Opener,Garage Faces Side
  • Has garage: Yes
  • Attached garage spaces: 2.5
  • Covered spaces: 2.5

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
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Cold Wave
Tornado
Inland Flooding
Ice Storm
Strong Wind
Winter Weather
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 $2,523$30,276
Home Insurance *$142$1,704
Property Taxes $885$10,620
Electricity $501$6,020
Total$4,051$48,612
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$138,891/yr
40% on housing$121,530/yr
45% on housing$108,026/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

$108This listing

vs Other Active Listings

Avg $/sqft

ZIP 48315$167
Macomb County$145

vs Homes Sold Last Month

Median $/sqft

ZIP 48315$191
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
2026-08-04Listed for sale$499,000
1998-01-14Sold$324,900

For Sale by Agent

AgentMark Charbonneau
BrokerageRealty Executives Home Towne Chesterfield

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