$190,000
Gentle-slope frontage with sandy bottom
4 bd2 ba
2,250 sqft
80 ft shore
Floating dock
$2,375/ft
Year-round home with a screened porch on Houghton Lake. Roughly 150 feet of owned shoreline on 1.57 acres, with 4 bedrooms across 2,800 square feet. No dock. Water clarity on Houghton Lake averages around 6 feet and the lake is classified stable for water level. Dock and shoreline work fall under Michigan EGLE. This is a sample listing used to demonstrate the platform.
| Down payment | $24,000 |
| Closing costs (est. 2.4%) | $2,880 |
| Septic inspection & pump | $850 |
| Water quality testing | $400 |
| Waterfront home inspection | $800 |
| Survey (shoreline frontage) | $1,200 |
| Total | $30,130 |
| Principal & interest | $7,587 |
| Property taxes | $1,012 |
| Hazard insurance | $1,400 |
| Flood insurance | $2,400 |
| HOA / POA dues | $540 |
| Utilities | $3,780 |
| Maintenance reserve (1.1%) | $1,320 |
| Septic service | $520 |
| Well & water testing | $260 |
| Dock maintenance | $900 |
| Winterization / seasonal close | $750 |
| Shoreline / seawall reserve | $900 |
| Total | $21,369 |