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3286 Sandy Point, Shelby Township, MI, 48316

5beds
4baths
3,727sqft
$649,900
$174price/sqft
$4,416/moest. monthly cost
$176,640/yrincome needed

About This Home

Great room ranch with finished walkout basement on 90-acre Clear Spring Lake. Fantastic Southern views of lake from upper & lower levels of home. Island kitchen with granite countertops & large breakfast nook overlooking water. Great room with cathedral ceilings, fireplace & large windows. Finished walkout features: 2 additional bedrooms, 3rd full bathroom, 2nd kitchen, 2nd fireplace and open entertaining area. New roof 2024. Large deck across back of home plus lower patio. Quiet cul-de-sac location. Clear Spring Lake is a 90 acre no wake electric motor lake. Lake is great for boating, fishing and ice skating offering year-round enjoyment.

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
30
BikeSomewhat Bikeable

Schools

7/10
Roberts Elementary SchoolGrades PK-60.7 mi
7/10
Malow Junior High SchoolGrades 7-92.2 mi
9/10
Eisenhower High SchoolGrades 10-122.4 mi

Construction

Condition

  • Year built: 1985

Materials

  • Foundation: Basement
  • Construction materials: Brick

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Dryer,Humidifier,Microwave,Range/Oven,Refrigerator,Washer,Gas Water Heater
  • Laundry features: First Floor Laundry,Entry

Basement

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

Bathroom1

  • Level: Entry
  • Area: 56

Bathroom2

  • Level: Entry
  • Area: 56

Bathroom3

  • Level: Basement

Bedroom1

  • Level: Entry
  • Area: 216

Bedroom2

  • Level: Entry
  • Area: 132

Bedroom3

  • Level: Entry
  • Area: 176

Bedroom4

  • Level: Basement
  • Area: 156

Bedroom5

  • Level: Basement
  • Area: 195

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Dining Room

  • Level: Entry
  • Area: 120

Features

  • High Ceilings,Cathedral/Vaulted Ceiling,Sump Pump,Walk-In Closet(s),Eat-in Kitchen
  • Flooring: Ceramic Tile,Hardwood
  • Number of fireplaces: 2
  • Fireplace features: Basement,Gas,Great Room,Natural Fireplace
  • Fireplace: Yes
  • Finished area below ground: 1,750
  • Finished area above ground: 1,977

Heating & Cooling

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

Interior Area

  • Total structure area: 3,934
  • Total interior livable area: 3,727 sqft

Kitchen

  • Level: Entry
  • Area: 154

Living Room

  • Level: Entry
  • Area: 456

Master Bedroom

  • Level: First

Property

Details

  • Parcel number: 230718401025
  • Special condition: Private

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Deck,Patio,Porch
  • Exterior features: Lawn Sprinkler,Sidewalks,Street Lights
  • Has view: Yes
  • View description: Water,Lake
  • Has water view: Yes
  • Water view: Water,Lake
  • On waterfront: Yes
  • Waterfront features: Lake Front,Lake/River Access,Seawall,Waterfront,No Gas Motors,No Wake Lake,Interior Lake
  • Waterbody name: Clear Spring Lake
  • Frontage length: 100

Lot

  • Lot size: 0.27 Acres
  • Features: Large Lot - 65+ Ft.,Cul-De-Sac,Subdivision,Irregular Lot,Platted,Sidewalks,Sloped
  • Lot size dimensions: 43 x 31 x 31 x 115 x 92 x 127

Parking

  • Total spaces: 2
  • Parking features: 2 Spaces,Garage,On Street,Driveway,Attached,Electric in Garage,Garage Door Opener,Garage Faces Side
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes

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 $3,286$39,432
Home Insurance *$224$2,688
Property Taxes $500$6,000
Electricity $406$4,878
Total$4,416$52,992
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$151,405/yr
40% on housing$132,480/yr
45% on housing$117,760/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

$174This listing

vs Other Active Listings

Avg $/sqft

ZIP 48316$174
Macomb County$145

vs Homes Sold Last Month

Median $/sqft

ZIP 48316$205
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
2026-08-12Price change$629,900
2026-06-15Listed for sale$649,900
2005-06-27Sold$312,500

For Sale by Agent

AgentThomas Zibkowski
BrokerageReal Estate One Inc-Shelby

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