46916 Spruce Dr, Shelby Township, MI, 48315
About This Home
Welcome to your own slice of "up north" without ever leaving Metro Detroit! This stunning 4-bedroom, 3.5-bath split-level home sits directly on Cedar Lake in the sought-after Cedar Lake subdivision, offering the kind of waterfront lifestyle buyers dream about. Swim, fish, or ice skate right from your backyard, then unwind on the large deck overlooking the water. Downstairs, the finished walk-out basement is an entertainer's dream — complete with a second full kitchen, wet bar, full bath, and a cozy fireplace, giving you and your guests direct access to the lake and endless space to gather. The main floor offers a private primary suite with its own full bath, while three additional bedrooms and a full bath upstairs provide plenty of room for family or guests. A convenient first-floor laundry/mudroom adds everyday functionality to this beautifully designed layout. With easy access to Metro Detroit's best shopping, dining, and freeways, this Cedar Lake gem delivers the perfect blend of waterfront serenity and everyday convenience. Don't miss this rare opportunity to own on the water — schedule your private showing today!
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1987
Materials
- Foundation: Basement,Poured
- Roof: Asphalt
- Construction materials: Brick,Vinyl Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Colonial
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Disposal,Dryer,Free Standing Gas Range,Free Standing Refrigerator,Microwave,Washer
Basement
- Has basement: Yes
- Basement: Finished,Walk Out Access
Bedroom
- Level: Second
- Area: 168
- Dimensions: 14 X 12
Bedroom
- Level: Second
- Area: 160
- Dimensions: 16 X 10
Bedroom
- Level: Second
- Area: 130
- Dimensions: 13 X 10
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 4
- Full bathrooms: 3
- 1/2 bathrooms: 1
Dining Room
- Level: Entry
- Area: 120
- Dimensions: 12 X 10
Features
- Fireplace features: Living Room
- Fireplace: Yes
- Finished area below ground: 1,500
- Finished area above ground: 2,388
Heating & Cooling
- Heating features: Forced Air,Natural Gas
- Cooling features: Central Air
Interior Area
- Total interior livable area: 3,888 sqft
Kitchen
- Level: Entry
- Area: 110
- Dimensions: 11 X 10
Laundry
- Level: Entry
- Area: 72
- Dimensions: 9 X 8
Library
- Level: Entry
- Area: 144
- Dimensions: 12 X 12
Living Room
- Level: Entry
- Area: 408
- Dimensions: 24 X 17
Other
- Level: Entry
- Area: 56
- Dimensions: 8 X 7
Other
- Level: Basement
- Area: 44
- Dimensions: 11 X 4
Other
- Level: Entry
- Area: 30
- Dimensions: 6 X 5
Other
- Level: Entry
- Area: 99
- Dimensions: 11 X 9
Primary Bathroom
- Level: Entry
- Area: 90
- Dimensions: 10 X 9
Primary Bedroom
- Level: Entry
- Area: 288
- Dimensions: 18 X 16
Property
Details
- Parcel number: 0735127004
- Special condition: Short Sale No,Standard
- Exclusions: Exclusion(s) Do Not Exist
Features
- Levels: Two
- Stories: 2
- Entry location: GroundLevelwSteps
- Pool features: None
- Patio & porch: Deck,Porch
- On waterfront: Yes
- Waterfront features: Direct Water Frontage,No Motor Lake
- Waterbody name: Cedar Lake
Lot
- Lot size: 0.33 Acres
- Lot size dimensions: 90 x 130
Parking
- Total spaces: 2
- Parking features: Two Car Garage,Attached
- Has garage: Yes
- Attached garage spaces: 2
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
- Tornado
- Inland Flooding
- Ice Storm
- Strong Wind
- Winter Weather
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters in Macomb County and Michigan
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $2,527 | $30,324 |
| Home Insurance * | $142 | $1,704 |
| Property Taxes | $512 | $6,144 |
| Electricity | $424 | $5,088 |
| Total | $3,605 | $43,260 |
Income You'd Need if You Spent...
Michigan FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
No zestimate history available
Price History
| Date | Event | Price |
|---|---|---|
| 2026-08-14 | Pending sale | $499,900 |
| 2026-07-31 | Listed for sale | $499,900 |
| 2018-07-02 | Sold | $342,000 |
| 2018-04-30 | Price change | $354,900 |
| 2018-03-07 | Price change | $359,900 |
| 2018-03-03 | Listed for sale | $369,900 |
| 2018-03-03 | Pending sale | $369,900 |
| 2018-01-09 | Listed for sale | $369,900 |
| 2018-01-09 | Pending sale | $369,900 |
| 2017-11-01 | Listed for sale | $369,900 |
| 2000-06-15 | Sold | $285,000 |
View on Zillow