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3900 Swaney Rd, Traverse City, MI, 49686

1beds
1baths
495sqft
$550,000
$1,111price/sqft
$3,561/moest. monthly cost
$142,440/yrincome needed

About This Home

Nestled on 12 acres of pristine wilderness on Old Mission Peninsula, this stunning private cabin offers unmatched tranquility and seclusion. Just blocks from the sparkling waters of Grand Traverse East Bay and the sandy shores of Haserot Beach, this idyllic retreat features panoramic views and access to a serene 32-acre private lake. Surrounded by towering trees and lush greenery, the setting is a dream for nature lovers and outdoor enthusiasts. The property offers hunting galore, making it a true haven for sportsmen and outdoor lovers alike. With rustic charm and a beautiful deck for taking it all in, this hidden gem promises a true “Up North” escape. Whether you’re seeking adventure on the water, time in the woods, or quiet moments in nature, this cabin is the perfect sanctuary for relaxation and renewal. Property is subject to GTLC Conservation Easement.

Getting Around

5
WalkingCar-Dependent
0
TransitVery Limited Transit
29
BikeSomewhat Bikeable

Schools

7/10
Eastern Elementary SchoolGrades PK-514.1 mi
7/10
Central High SchoolGrades 8-1214.3 mi
7/10
East Middle SchoolGrades 6-817.7 mi

Construction

Condition

  • Year built: 2004

Materials

  • Foundation: Slab
  • Roof: Asphalt
  • Construction materials: Log,Full Log

Type & Style

  • Home type: SingleFamily
  • Architectural style: Log Cabin,Chalet,A-Frame
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Refrigerator,Oven/Range,Microwave,Electric Water Heater
  • Laundry features: None

Bedrooms & Bathrooms

  • Bedrooms: 1
  • Bathrooms: 1
  • Full bathrooms: 1
  • Main level bathrooms: 1

Features

  • Cathedral Ceiling(s),Loft,Ceiling Fan(s),Cable TV,WiFi
  • Flooring: Tile,Wood
  • Fireplace features: Electric
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 495

Heating & Cooling

  • Heating features: Forced Air,Baseboard,Floor Furnace
  • Cooling features: Electric

Interior Area

  • Total structure area: 495
  • Total interior livable area: 495 sqft

Living Room

  • Level: Main
  • Area: 478.5

Master Bathroom

  • Features: None

Master Bedroom

  • Level: Upper
  • Area: 216

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 1123400102
  • Zoning description: Residential,Conservation Easement,Building-Use Restrictions

Features

  • Levels: One and One Half
  • Stories: 1
  • Patio & porch: Covered
  • Exterior features: Dock
  • Has view: Yes
  • View description: Water
  • Water view: Water
  • On waterfront: Yes
  • Waterfront features: Inland Lake,Soft Bottom
  • Waterbody name: Prescott Lake
  • Frontage type: Waterfront
  • Frontage length: 1205

Lot

  • Lot size: 12.83 Acres
  • Features: Wooded-Hardwoods,Level,Metes and Bounds
  • Lot size dimensions: See Docs

Parking

  • Parking features: None,Dirt

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 WaveVery High
  • Winter Weather
    Winter WeatherVery High
  • Lightning
    LightningRelatively High
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Landslide
    LandslideModerate
  • Strong Wind
    Strong WindModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Cold Wave
Winter Weather
Lightning
Hail
Inland Flooding
Landslide
Strong Wind
Tsunami

FEMA Declared Disasters in Grand Traverse 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 $2,781$33,372
Home Insurance *$207$2,484
Property Taxes $385$4,620
Electricity $188$2,259
Total$3,561$42,732
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$122,091/yr
40% on housing$106,830/yr
45% on housing$94,960/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: 2.8%
2.8%
0%30.0%
Electricity Growth Rate10-year average: 3.9%
3.9%
0%15.0%
Property Taxes Growth Rate2-year average: 0.7%
0.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$1,111This listing

vs Other Active Listings

Avg $/sqft

ZIP 49686$271
Grand Traverse County$305

vs Homes Sold Last Month

Median $/sqft

ZIP 49686$274
Grand Traverse County$238

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

DateEventPrice
2025-11-07Price change$600,000
2025-08-12Price change$650,000
2025-07-08Price change$750,000
2024-09-29Listed for sale$1,000,000
2024-06-03Listing removed$1,150,000
2024-05-31Price change$1,150,000
2024-03-16Listed for sale$1,490,000
2009-11-25Sold$175,000
2003-12-19Sold$285,000

For Sale by Agent

AgentKelly Price
BrokerageCentury 21 Northland

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