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2004 Mildred St, Crystal, MI, 48818

1beds
2baths
1,271sqft
$180,000
$142price/sqft
$1,572/moest. monthly cost
$62,880/yrincome needed

About This Home

Welcome to your new lake cottage! This is the perfect opportunity to purchase your permanent vacation destination. With 30 feet sandy bottom shared lake access on all-sports Crystal Lake there will be no shortage of fun. This upstairs of this cottage is a huge sleeping loft with space for beds galore. Great outdoor entertainment patio space and a nicely fenced yard with storage shed and additional storage on side of home. Bring all your friends and come enjoy the lake! This cottage is coming mostly furnished.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Construction

Condition

  • Year built: 1940

Materials

  • Roof: Composition
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Microwave,Range,Refrigerator
  • Laundry features: None

Basement

  • Basement: Crawl Space

Bedrooms & Bathrooms

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

Features

  • Ceiling Fan(s)
  • Window features: Window Treatments
  • Flooring: Carpet,Vinyl
  • Number of fireplaces: 1

Heating & Cooling

  • Heating features: Wall Furnace
  • Cooling features: Window Unit(s)

Interior Area

  • Total structure area: 1,271
  • Total interior livable area: 1,271 sqft

Property

Details

  • Parcel number: 00540004800
  • Zoning description: Res

Features

  • Stories: 2
  • Fencing: Chain Link
  • Waterfront features: Lake
  • Waterbody name: Crystal Lake

Lot

  • Lot size: 4,356 sqft
  • Features: Recreational,Cul-De-Sac
  • Lot size dimensions: 50 x 88

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

  • Strong Wind
    Strong WindVery High
  • Winter Weather
    Winter WeatherVery High
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate

How This Home’s Risks Compare

Strong Wind
Winter Weather
Tornado
Cold Wave
Inland Flooding
Ice Storm

FEMA Declared Disasters in Montcalm 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 $910$10,920
Home Insurance *$122$1,464
Property Taxes $352$4,224
Electricity $188$2,259
Total$1,572$18,864
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$53,897/yr
40% on housing$47,160/yr
45% on housing$41,920/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: 8.7%
8.7%
0%30.0%
Electricity Growth Rate10-year average: 3.9%
3.9%
0%15.0%
Property Taxes Growth Rate2-year average: -1.7%
-1.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$142This listing

vs Other Active Listings

Avg $/sqft

ZIP 48818$140
Montcalm County$164

vs Homes Sold Last Month

Median $/sqft

ZIP 48818$149
Montcalm County$150

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
2026-07-18Listed for sale$180,000
2011-12-12Listing removed$50,000
2011-08-20Price change$50,000
2011-06-23Listed for sale$55,000

For Sale by Agent

AgentMandy Green
BrokerageFive Star Real Estate (E. Division)

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