USLakeFront Lake survey & intelligence

$142,800

3912 Anchor Bay Rd, Celina, OH 73630

Sample listing
0
Bedrooms
0
Bathrooms
0
Square feet
120 ft
Shoreline
$1,190
Per shoreline ft

Peninsula lot with water on three sides on Grand Lake St. Marys. Roughly 120 feet of owned shoreline on 1.21 acres. Floating dock. Water clarity on Grand Lake St. Marys averages around 2 feet and the lake is classified stable for water level. Dock and shoreline work fall under Ohio DNR. This is a sample listing used to demonstrate the platform.

Features

Vaulted ceilingsNew seawallGuest quartersGentle slope to waterSandy beach

Property facts

Property typeLot Year built Lot size1.21 acres DockFloating dock Water depth at dock10 ft ExposureSouth-facing ViewProtected cove Annual taxes$2,229 HOA$0/mo Short-term rentalPermitted Listed2026-08-05
$1,873
All-in monthly
$35,237
Cash to close
$9,821
Costs beyond the obvious

Up front

Down payment$28,560
Closing costs (est. 2.4%)$3,427
Septic inspection & pump$850
Water quality testing$400
Waterfront home inspection$800
Survey (shoreline frontage)$1,200
Total$35,237

Every year

Principal & interest$9,029
Property taxes$2,229
Hazard insurance$1,400
Flood insurance$2,400
Utilities$2,700
Maintenance reserve (1.1%)$1,571
Septic service$520
Well & water testing$260
Dock maintenance$900
Winterization / seasonal close$750
Shoreline / seawall reserve$720
Total$22,478
Adjust these assumptions →
$1,190
This home / shoreline ft
$2,482
Lake average
Per square foot
Well below the lake average — this property prices at $1,190 per shoreline foot against a lake average near $2,482, a difference of -52%. Shoreline frontage is the metric that drives waterfront value, and it is almost never published.
Open the analyzer →
Modeled from the lake's estimated nightly rate and occupancy. Confirm local short-term rental rules before you rely on this.
Booked nights / year173 Gross revenue$94,150 Lodging tax−$10,356 Management−$16,759 Cleaning & supplies−$21,704 Net operating income$45,330 Against annual carry$22,852
Model your own →
5.6
Lake score
D
Water grade
2 ft
Drawdown
Level stabilityStable Typical clarity2 ft Dock authorityOhio DNR
Full Grand Lake St. Marys report →
Comparable

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