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About This Home

Featured as one of Michigan's Dream Homes in 2023 in The Detroit News, this lakefront Quonset Hut cottage on all-sports Swains Lake is truly unforgettable. Offering 597 sq ft of thoughtfully designed space, this curved-roof retreat blends cozy cottage vibes with distinctive architecture. Ample well lit dry storage, sod yard, and many updates within the last 5 years. Currently operating as a successful Airbnb, this property is truly turn-key--including furnishings and even a paddle boat. The mini-split provides efficient heat and A/C for year-round comfort. Enjoy boating, swimming on your private beach and fishing right from your dock, with a public beach and boat launch access nearby. Whether you're seeking a weekend getaway, investment opportunity, or unique full-time living, this one delivers character, income potential, and classic Michigan lake life. Book your showing today to see all this cottage has to offer!

Getting Around

Car-Dependent

Very Limited Transit

Somewhat Bikeable

Schools

2/10

Concord Elementary SchoolGrades K-51.6 mi

6/10

Concord Middle SchoolGrades 6-81.6 mi

4/10

Concord High SchoolGrades 9-121.7 mi

Construction

Condition

Year built: 1946

Materials

Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

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

Basement

Basement: Crawl Space

Bathroom1

Area: 22.63
Dimensions: 7.30 x 3.10

Bedrooms & Bathrooms

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

Dining Room

Level: Main
Area: 111.02
Dimensions: 12.20 x 9.10

Interior Area

Total structure area: 597
Total interior livable area: 597 sqft

Kitchen

Level: Main
Area: 117.37
Dimensions: 12.10 x 9.70

Living Room

Level: Main
Area: 223.47
Dimensions: 19.10 x 11.70

Master Bedroom

Level: Main
Area: 58.656
Dimensions: 9.60 x 6.11

Property

Details

Parcel number: 061160330105100

Features

Stories: 1
On waterfront: Yes
Waterfront features: Lake
Waterbody name: Swains Lake

Lot

Lot size: 5,227 sqft
Lot size dimensions: 39 x 135

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 WaveModerate
HailModerate
Strong WindModerate
TornadoModerate
Winter WeatherModerate

How This Home’s Risks Compare

FEMA Declared Disasters in Jackson 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

	Monthly	Annual
Mortgage	$1,264	$15,168
Home Insurance *	$169	$2,028
Property Taxes	$231	$2,772
Electricity	$188	$2,259
Total	$1,852	$22,224

*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

30% on housingRecommended$74,080/yr

35% on housing$63,497/yr

40% on housing$55,560/yr

45% on housing$49,386/yr

Michigan FAIR Plan Programs

Michigan Basic Property Insurance Association

Covered

Wildfire

Hail

Wind

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: 7.5%

7.5%

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

$419This listing

vs Other Active Listings

Avg $/sqft

ZIP 49237—

Jackson County$130

vs Homes Sold Last Month

Median $/sqft

ZIP 49237$123