YOUR AFFORDABLE UP NORTH RETREAT ON BEAUTIFUL LAKE SAPPHIRE! Enjoy your own 12-foot shared easement directly across the street on beautiful Lake Sapphire, featuring gradual access to 264 acres of all-sports recreation. Whether you enjoy boating, fishing, swimming, kayaking, or simply relaxing by the water, this is an affordable opportunity to experience Northern Michigan lake living without the high waterfront taxes. Built in 2022, this charming one-room cottage offers 424 square feet of thoughtfully designed living space plus an additional 144-square-foot exterior storage area located behind the cottage. The professionally designed interior embraces a classic lakefront motif, complete with beadboard finishes, luxury vinyl plank flooring, charming cottage décor, and exceptional attention to detail. Every square foot is utilized beautifully, featuring a cozy sleeping area, a large closet with laundry hookups, a beautifully finished three-quarter bath, a functional kitchenette, and an inviting dining and living area that creates the perfect Up North retreat. The home is connected to sewer system and served by a private well drilled below the aquifer, providing modern conveniences with peace of mind. Nestled on a beautifully landscaped 54' x 160' lot, the property offers exceptional privacy with brand-new privacy fencing along both side property lines and mature trees bordering the rear of the lot. You'll appreciate the attractive tiered landscaping, spacious concrete driveway, and full RV hookup with electric, water, and sewer connections that make this property ideal for hosting family and friends. After a day on the lake, gather around the campfire, enjoy dinner at the picnic table, or simply unwind and take in the peaceful surroundings. The exterior storage area offers plenty of room for your lake toys, outdoor furniture, and lawn tools. Whether you're searching for a weekend getaway, seasonal retreat, or investment opportunity, this turnkey cottage checks the box.
For sale
$160,000
8520 W Sapphire Ave, Lake City, MI 49651
1beds
424sqft
Single Family Residence
Built in 2022
6,098 Square Feet Lot
$156,200 Zestimate®
$377/sqft
$-- HOA
What's special
Classic lakefront motifBeadboard finishesProfessionally designed interiorBeautifully finished three-quarter bathExceptional attention to detailExceptional privacyCharming one-room cottage
- 1 day |
- 679 |
- 45 |
Zillow last checked:
Listing updated:
Listed by:
Tamara McLeod Helsel 231-920-6422,
City2Shore Real Estate Northern Michigan 231-839-0077
Source: NGLRMLS,MLS#: 1947476
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Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 1
- Bathrooms: 1
- 3/4 bathrooms: 1
- Main level bathrooms: 1
- Main level bedrooms: 1
Primary bedroom
- Level: Main
- Area: 57.06
- Dimensions: 8.06 x 7.08
Primary bathroom
- Features: Shared
Kitchen
- Level: Main
- Area: 56.36
- Dimensions: 11.05 x 5.1
Living room
- Level: Main
- Area: 167.2
- Dimensions: 15.09 x 11.08
Heating
- Baseboard
Cooling
- Window Unit(s), Electric, Window A/C Unit(s)
Appliances
- Included: Refrigerator, Oven/Range, Microwave, Other, Electric Water Heater
- Laundry: Main Level
Features
- Drywall, Ceiling Fan(s), High Speed Internet, Cable TV
- Flooring: Laminate
- Windows: Blinds, Drapes, Curtain Rods
- Has fireplace: No
- Fireplace features: None
Interior area
- Total structure area: 424
- Total interior livable area: 424 sqft
- Finished area above ground: 424
- Finished area below ground: 0
Video & virtual tour
Property
Parking
- Parking features: None, RV Access/Parking, Concrete, Private
- Details: RV Parking
Accessibility
- Accessibility features: Main Floor Access, Accessible Entrance
Features
- Levels: One
- Stories: 1
- Patio & porch: Patio
- Exterior features: Other
- Has view: Yes
- View description: Bay, Water
- Has water view: Yes
- Water view: Water,Bay
- Waterfront features: Inland Lake, All Sports, Sandy Bottom, Gradual Slope to Water, Lake, Sandy Shoreline
- Body of water: Lake Sapphire
- Frontage type: Priv Frontage (Across Rd)
- Frontage length: 12
Lot
- Size: 6,098 Square Feet
- Dimensions: 54 x 116
- Features: Level, Landscaped
Details
- Additional structures: None
- Parcel number: 00960018900
- Zoning description: Residential
Construction
Type & style
- Home type: SingleFamily
- Architectural style: Bungalow
- Property subtype: Single Family Residence
Materials
- Frame, Vinyl Siding
- Foundation: Slab
- Roof: Asphalt
Condition
- New construction: No
- Year built: 2022
Utilities & green energy
- Sewer: Public Sewer
- Water: Private
Community & HOA
Community
- Features: None
- Security: Smoke Detector(s)
- Subdivision: None
HOA
- Services included: Other
Location
- Region: Lake City
Financial & listing details
- Price per square foot: $377/sqft
- Tax assessed value: $7,476
- Annual tax amount: $317
- Price range: $160K - $160K
- Date on market: 7/1/2026
- Listing agreement: Exclusive Right Sell
- Listing terms: Conventional,Cash
- Ownership type: Private Owner
- Road surface type: Gravel
Estimated market value
$156,200
$148,000 - $164,000
$2,080/mo
Price history
| Date | Event | Price |
|---|---|---|
| 7/1/2026 | Listed for sale | $160,000$377/sqft |
Source:  NGLRMLS #1947476 Report a problem | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2025 | $307 +4.2% | $12,800 +15.3% |
| 2024 | $294 | $11,100 +48% |
| 2023 | -- | $7,500 +10.3% |
| 2022 | -- | $6,800 +9.7% |
| 2020 | -- | $6,200 +3.3% |
| 2019 | $287 | $6,000 -7.7% |
| 2018 | $287 +14.4% | $6,500 +1.6% |
| 2017 | $250 | $6,400 |
| 2016 | $250 | $6,400 -7.2% |
| 2015 | $250 | $6,900 +4.5% |
| 2014 | $250 | $6,600 +3.1% |
| 2013 | $250 | $6,400 -16.9% |
| 2011 | $250 +71% | $7,700 +24.2% |
| 2009 | $146 | $6,200 |
Find assessor info on the county website
Monthly payment
Est. payment$--/mo
Payment breakdown
Explore the cost of this home by adjusting the details. Changes won't be saved.All calculations are estimates and provided by Zillow, Inc. for informational purposes only. Actual amounts may vary.
HOA fees may include property taxes on listings classified as Co-Ops. Contact the listing agent and/or owner for fee details.
Mortgage interest rates are dependent on a number of factors, including credit score, down payment, and repayment length. Interest rate data provided by Zillow Group Marketplace, Inc. as of 1/1/1970 from various mortgage lenders with which we have lead or other similar arrangements; the Estimated Payment is an average of those rates.
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Climate risks
Neighborhood: 49651
Nearby schools
GreatSchools rating
- 7/10Lake City Upper Elementary SchoolGrades: K-5Distance: 3 mi
- 7/10Lake City Middle SchoolGrades: 6-8Distance: 3 mi
- 7/10Lake City High SchoolGrades: 9-12Distance: 3 mi
Schools provided by the listing agent
- District: Lake City Area School District
Source: NGLRMLS. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.
A local agent can set up tours, give advice and negotiate with sellers.
A local lender can help you make sure your offer is ready when you are.
- Michigan
- Missaukee County
- Lake City
- 49651
- 8520 W Sapphire Ave
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