3285 4th St · Twin Lake, MI 49457

$169,900

5 bd · 1.0 ba · 1,632 sqft · SingleFamily public records · 325 Days on market

Built 1973 0.70 ac lot $104/sqft · 38% below area Est $274k · 38% under ↓ 39% since listing

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Why this score? — see what drove the D grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

• ARV discount +15.0/15.0
• Cash flow +9.1/30.0
• Livability +3.5/5.0
• Schools +3.2/10.0
• 1% rule +3.0/10.0
• DSCR +2.5/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

First time ever on the market! Welcome to 3285 4th Street, a spacious 5-bedroom, 1-bath ranch offering 1,632 sq ft of living space, plus a full basement for added potential. Situated on a large corner lot, this home is just minutes from the Twin Lake boat launch--perfect for outdoor enthusiasts. Inside, you'll find a cozy wood-burning stove and plenty of room to spread out. Whether you're looking to settle into a quiet community or create a weekend retreat, this home provides a rare opportunity with great space and location. Bring your vision and make it your own!

Key facts

• Full basement
• Corner lot
• Wood burning stove

Tags

• CORNER LOT
• FULL BASEMENT
• WOOD BURNING STOVE
• TWIN LAKE BOAT LAUNCH

What this means for you Summary

Snapshot

• This is a 5-bed/1.0-bath single-family listed at $170k.

Deal economics

• At list price, monthly cash flow is $-130 ($-2k/yr) — negative.
• To cash-flow at today's rent, offer at most $147k (13.5% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $137k (19.6% below list).
• Recommended offer: $137k (19.6% below list) — sets the bar for 1% rule.
• Cap rate 5.4% vs local median 2.6% in Twin Lake — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.

Location & tenants

• Location reads 70/100 on livability (#307 in MI) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: amenities F, commute F, health & safety F.
• Reeths-Puffer Schools (suburban): math 28% / reading 44% proficiency, ranked #254 of 540 in MI (top 47%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 82 active listings in the ZIP; 438 units permitted in Muskegon County in 2024 (115 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $5k of value loss. Plan a longer hold.
• Muskegon County population projected to shrink 8% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.

Negotiation context

• It's been on market 325 days — a 12% lower offer ($150k) is reasonable based on typical stale-listing flexibility.
• 13 sale attempts; this cycle's ask has dropped $110k (39%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Climate carrying-cost: moderate flood risk — expect insurance premiums to compound above CPI over the hold.

Recommended offer $136,684 (19.6% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. It's been on market 325 days. Have you received any prior offers? Is the seller open to a 20% concession, seller financing, or rate buy-down credit?
3. Built in 1973 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
7. What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
8. What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
9. How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.

Investment metrics

• 1% rule: 0.80% ✗
• Cap rate: 5.38%
• Cash-on-cash: -3.28%
• DSCR: 0.85
• GRM: 10.4

CMA / ARV

• ARV (median comp): $274,412
• List price: $169,900
• Delta: -38.09%
• Verdict: UNDERPRICED
• Comps: 10 within 1.0 mi

Show comp detail 5 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
3285 4th St	0.00mi	5/1.0	1,632 (0%)	1mo	$164,500	$101	100
3031 4th St	0.31mi	4/1.0 (-1)	1,826 (+12%)	7mo	$74,551	$41	55
3340 Sarah Cir	0.51mi	4/2.5 (-1)	1,616 (-1%)	18mo	$320,000	$198	48
3765 Ryerson Rd	0.60mi	4/3.0 (-1)	1,709 (+5%)	7mo	$383,000	$224	45
6518 Scott St	0.73mi	4/1.5 (-1)	1,716 (+5%)	9mo	$284,762	$166	43

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

-3.0% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: -21.7%
• Equity multiple: 0.25×
• Total profit: $-35,760
• Equity at exit: $25,333

10-year hold

• IRR: -15.5%
• Equity multiple: 0.13×
• Total profit: $-41,618
• Equity at exit: $14,690

Cash invested: $47,572 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 62 Landlord-Friendly
• State Michigan: 62 Landlord-Friendly · EVEN
• County: — inherits STATE
• City: — inherits STATE

7-day pay-or-quit; mixed climate; Detroit/AA have some protections.

Methodology + full state rankings →

ZIP-level market 49457

• Active inventory: 82
• Price-to-rent: 10.4×

Monthly cashflow live

• Estimated rent: $1,367 medium
• Mortgage (P&I): −$891
• Tax from tax record: −$248 /mo · $2,975/yr
• Insurance: −$71
• HOA: −$0
• Vacancy / Maint / Mgmt: −$287
• Net cashflow: $-130

Break-even live

Break-even rent $1,531

Max offer price $146,958

Occupancy floor —

UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt

Financing live

Cash to close

• Down payment: $42,475
• Closing costs: $5,097
• Reserves months: —
• Total cash needed: —

Listing history 47 events

1. 2026-05-10
   status Pending 570-char remark

   Show marketing remark (570 chars)

   First time ever on the market! Welcome to 3285 4th Street, a spacious 5-bedroom, 1-bath ranch offering 1,632 sq ft of living space, plus a full basement for added potential. Situated on a large corner lot, this home is just minutes from the Twin Lake boat launch--perfect for outdoor enthusiasts. Inside, you'll find a cozy wood-burning stove and plenty of room to spread out. Whether you're looking to settle into a quiet community or create a weekend retreat, this home provides a rare opportunity with great space and location. Bring your vision and make it your own!

2. 2026-05-10
   status Pending 570-char remark

   Show marketing remark (570 chars)

   First time ever on the market! Welcome to 3285 4th Street, a spacious 5-bedroom, 1-bath ranch offering 1,632 sq ft of living space, plus a full basement for added potential. Situated on a large corner lot, this home is just minutes from the Twin Lake boat launch--perfect for outdoor enthusiasts. Inside, you'll find a cozy wood-burning stove and plenty of room to spread out. Whether you're looking to settle into a quiet community or create a weekend retreat, this home provides a rare opportunity with great space and location. Bring your vision and make it your own!

3. 2026-05-10
   status Pending

   Show marketing remark (570 chars)

   First time ever on the market! Welcome to 3285 4th Street, a spacious 5-bedroom, 1-bath ranch offering 1,632 sq ft of living space, plus a full basement for added potential. Situated on a large corner lot, this home is just minutes from the Twin Lake boat launch--perfect for outdoor enthusiasts. Inside, you'll find a cozy wood-burning stove and plenty of room to spread out. Whether you're looking to settle into a quiet community or create a weekend retreat, this home provides a rare opportunity with great space and location. Bring your vision and make it your own!

4. 2026-05-06
   price $169,900 570-char remark

   Show marketing remark (570 chars)

   First time ever on the market! Welcome to 3285 4th Street, a spacious 5-bedroom, 1-bath ranch offering 1,632 sq ft of living space, plus a full basement for added potential. Situated on a large corner lot, this home is just minutes from the Twin Lake boat launch--perfect for outdoor enthusiasts. Inside, you'll find a cozy wood-burning stove and plenty of room to spread out. Whether you're looking to settle into a quiet community or create a weekend retreat, this home provides a rare opportunity with great space and location. Bring your vision and make it your own!

5. 2026-05-06
   status Active 570-char remark

   Show marketing remark (570 chars)

   First time ever on the market! Welcome to 3285 4th Street, a spacious 5-bedroom, 1-bath ranch offering 1,632 sq ft of living space, plus a full basement for added potential. Situated on a large corner lot, this home is just minutes from the Twin Lake boat launch--perfect for outdoor enthusiasts. Inside, you'll find a cozy wood-burning stove and plenty of room to spread out. Whether you're looking to settle into a quiet community or create a weekend retreat, this home provides a rare opportunity with great space and location. Bring your vision and make it your own!

6. 2026-05-06
   status Active 570-char remark

   Show marketing remark (570 chars)

   First time ever on the market! Welcome to 3285 4th Street, a spacious 5-bedroom, 1-bath ranch offering 1,632 sq ft of living space, plus a full basement for added potential. Situated on a large corner lot, this home is just minutes from the Twin Lake boat launch--perfect for outdoor enthusiasts. Inside, you'll find a cozy wood-burning stove and plenty of room to spread out. Whether you're looking to settle into a quiet community or create a weekend retreat, this home provides a rare opportunity with great space and location. Bring your vision and make it your own!

7. 2026-05-06
   price $169,900 570-char remark

   Show marketing remark (570 chars)

   First time ever on the market! Welcome to 3285 4th Street, a spacious 5-bedroom, 1-bath ranch offering 1,632 sq ft of living space, plus a full basement for added potential. Situated on a large corner lot, this home is just minutes from the Twin Lake boat launch--perfect for outdoor enthusiasts. Inside, you'll find a cozy wood-burning stove and plenty of room to spread out. Whether you're looking to settle into a quiet community or create a weekend retreat, this home provides a rare opportunity with great space and location. Bring your vision and make it your own!

8. 2026-05-06
   status Active

   Show marketing remark (570 chars)

   First time ever on the market! Welcome to 3285 4th Street, a spacious 5-bedroom, 1-bath ranch offering 1,632 sq ft of living space, plus a full basement for added potential. Situated on a large corner lot, this home is just minutes from the Twin Lake boat launch--perfect for outdoor enthusiasts. Inside, you'll find a cozy wood-burning stove and plenty of room to spread out. Whether you're looking to settle into a quiet community or create a weekend retreat, this home provides a rare opportunity with great space and location. Bring your vision and make it your own!

9. 2026-05-06
   price $169,900

   Show marketing remark (570 chars)

   First time ever on the market! Welcome to 3285 4th Street, a spacious 5-bedroom, 1-bath ranch offering 1,632 sq ft of living space, plus a full basement for added potential. Situated on a large corner lot, this home is just minutes from the Twin Lake boat launch--perfect for outdoor enthusiasts. Inside, you'll find a cozy wood-burning stove and plenty of room to spread out. Whether you're looking to settle into a quiet community or create a weekend retreat, this home provides a rare opportunity with great space and location. Bring your vision and make it your own!

10. 2026-04-15
    status Pending 570-char remark

    Show marketing remark (570 chars)

    First time ever on the market! Welcome to 3285 4th Street, a spacious 5-bedroom, 1-bath ranch offering 1,632 sq ft of living space, plus a full basement for added potential. Situated on a large corner lot, this home is just minutes from the Twin Lake boat launch--perfect for outdoor enthusiasts. Inside, you'll find a cozy wood-burning stove and plenty of room to spread out. Whether you're looking to settle into a quiet community or create a weekend retreat, this home provides a rare opportunity with great space and location. Bring your vision and make it your own!

11. 2026-04-15
    status Pending 570-char remark

    Show marketing remark (570 chars)

    First time ever on the market! Welcome to 3285 4th Street, a spacious 5-bedroom, 1-bath ranch offering 1,632 sq ft of living space, plus a full basement for added potential. Situated on a large corner lot, this home is just minutes from the Twin Lake boat launch--perfect for outdoor enthusiasts. Inside, you'll find a cozy wood-burning stove and plenty of room to spread out. Whether you're looking to settle into a quiet community or create a weekend retreat, this home provides a rare opportunity with great space and location. Bring your vision and make it your own!

12. 2026-04-15
    status Pending

    Show marketing remark (570 chars)

    First time ever on the market! Welcome to 3285 4th Street, a spacious 5-bedroom, 1-bath ranch offering 1,632 sq ft of living space, plus a full basement for added potential. Situated on a large corner lot, this home is just minutes from the Twin Lake boat launch--perfect for outdoor enthusiasts. Inside, you'll find a cozy wood-burning stove and plenty of room to spread out. Whether you're looking to settle into a quiet community or create a weekend retreat, this home provides a rare opportunity with great space and location. Bring your vision and make it your own!

13. 2026-03-31
    status Active 570-char remark

    Show marketing remark (570 chars)

    First time ever on the market! Welcome to 3285 4th Street, a spacious 5-bedroom, 1-bath ranch offering 1,632 sq ft of living space, plus a full basement for added potential. Situated on a large corner lot, this home is just minutes from the Twin Lake boat launch--perfect for outdoor enthusiasts. Inside, you'll find a cozy wood-burning stove and plenty of room to spread out. Whether you're looking to settle into a quiet community or create a weekend retreat, this home provides a rare opportunity with great space and location. Bring your vision and make it your own!

14. 2026-03-27
    historical 570-char remark

    Show marketing remark (570 chars)

    First time ever on the market! Welcome to 3285 4th Street, a spacious 5-bedroom, 1-bath ranch offering 1,632 sq ft of living space, plus a full basement for added potential. Situated on a large corner lot, this home is just minutes from the Twin Lake boat launch--perfect for outdoor enthusiasts. Inside, you'll find a cozy wood-burning stove and plenty of room to spread out. Whether you're looking to settle into a quiet community or create a weekend retreat, this home provides a rare opportunity with great space and location. Bring your vision and make it your own!

15. 2026-03-21
    price $179,900 570-char remark

    Show marketing remark (570 chars)

    First time ever on the market! Welcome to 3285 4th Street, a spacious 5-bedroom, 1-bath ranch offering 1,632 sq ft of living space, plus a full basement for added potential. Situated on a large corner lot, this home is just minutes from the Twin Lake boat launch--perfect for outdoor enthusiasts. Inside, you'll find a cozy wood-burning stove and plenty of room to spread out. Whether you're looking to settle into a quiet community or create a weekend retreat, this home provides a rare opportunity with great space and location. Bring your vision and make it your own!

16. 2026-03-21
    status Active 570-char remark

    Show marketing remark (570 chars)

    First time ever on the market! Welcome to 3285 4th Street, a spacious 5-bedroom, 1-bath ranch offering 1,632 sq ft of living space, plus a full basement for added potential. Situated on a large corner lot, this home is just minutes from the Twin Lake boat launch--perfect for outdoor enthusiasts. Inside, you'll find a cozy wood-burning stove and plenty of room to spread out. Whether you're looking to settle into a quiet community or create a weekend retreat, this home provides a rare opportunity with great space and location. Bring your vision and make it your own!

17. 2026-03-21
    status Active 570-char remark

    Show marketing remark (570 chars)

    First time ever on the market! Welcome to 3285 4th Street, a spacious 5-bedroom, 1-bath ranch offering 1,632 sq ft of living space, plus a full basement for added potential. Situated on a large corner lot, this home is just minutes from the Twin Lake boat launch--perfect for outdoor enthusiasts. Inside, you'll find a cozy wood-burning stove and plenty of room to spread out. Whether you're looking to settle into a quiet community or create a weekend retreat, this home provides a rare opportunity with great space and location. Bring your vision and make it your own!

18. 2026-03-21
    price $179,900 570-char remark

    Show marketing remark (570 chars)

    First time ever on the market! Welcome to 3285 4th Street, a spacious 5-bedroom, 1-bath ranch offering 1,632 sq ft of living space, plus a full basement for added potential. Situated on a large corner lot, this home is just minutes from the Twin Lake boat launch--perfect for outdoor enthusiasts. Inside, you'll find a cozy wood-burning stove and plenty of room to spread out. Whether you're looking to settle into a quiet community or create a weekend retreat, this home provides a rare opportunity with great space and location. Bring your vision and make it your own!

19. 2026-03-20
    status Active
20. 2026-03-20
    price $179,900
21. 2026-02-20
    status Pending 570-char remark

    Show marketing remark (570 chars)

    First time ever on the market! Welcome to 3285 4th Street, a spacious 5-bedroom, 1-bath ranch offering 1,632 sq ft of living space, plus a full basement for added potential. Situated on a large corner lot, this home is just minutes from the Twin Lake boat launch--perfect for outdoor enthusiasts. Inside, you'll find a cozy wood-burning stove and plenty of room to spread out. Whether you're looking to settle into a quiet community or create a weekend retreat, this home provides a rare opportunity with great space and location. Bring your vision and make it your own!

22. 2026-02-20
    status Pending 570-char remark

    Show marketing remark (570 chars)

    First time ever on the market! Welcome to 3285 4th Street, a spacious 5-bedroom, 1-bath ranch offering 1,632 sq ft of living space, plus a full basement for added potential. Situated on a large corner lot, this home is just minutes from the Twin Lake boat launch--perfect for outdoor enthusiasts. Inside, you'll find a cozy wood-burning stove and plenty of room to spread out. Whether you're looking to settle into a quiet community or create a weekend retreat, this home provides a rare opportunity with great space and location. Bring your vision and make it your own!

23. 2026-02-20
    status Pending

    Show marketing remark (570 chars)

    First time ever on the market! Welcome to 3285 4th Street, a spacious 5-bedroom, 1-bath ranch offering 1,632 sq ft of living space, plus a full basement for added potential. Situated on a large corner lot, this home is just minutes from the Twin Lake boat launch--perfect for outdoor enthusiasts. Inside, you'll find a cozy wood-burning stove and plenty of room to spread out. Whether you're looking to settle into a quiet community or create a weekend retreat, this home provides a rare opportunity with great space and location. Bring your vision and make it your own!

24. 2025-12-05
    price $185,000 570-char remark

    Show marketing remark (570 chars)

    First time ever on the market! Welcome to 3285 4th Street, a spacious 5-bedroom, 1-bath ranch offering 1,632 sq ft of living space, plus a full basement for added potential. Situated on a large corner lot, this home is just minutes from the Twin Lake boat launch--perfect for outdoor enthusiasts. Inside, you'll find a cozy wood-burning stove and plenty of room to spread out. Whether you're looking to settle into a quiet community or create a weekend retreat, this home provides a rare opportunity with great space and location. Bring your vision and make it your own!

25. 2025-12-04
    price $185,000 570-char remark

    Show marketing remark (570 chars)

    First time ever on the market! Welcome to 3285 4th Street, a spacious 5-bedroom, 1-bath ranch offering 1,632 sq ft of living space, plus a full basement for added potential. Situated on a large corner lot, this home is just minutes from the Twin Lake boat launch--perfect for outdoor enthusiasts. Inside, you'll find a cozy wood-burning stove and plenty of room to spread out. Whether you're looking to settle into a quiet community or create a weekend retreat, this home provides a rare opportunity with great space and location. Bring your vision and make it your own!

26. 2025-12-04
    price $185,000

    Show marketing remark (570 chars)

    First time ever on the market! Welcome to 3285 4th Street, a spacious 5-bedroom, 1-bath ranch offering 1,632 sq ft of living space, plus a full basement for added potential. Situated on a large corner lot, this home is just minutes from the Twin Lake boat launch--perfect for outdoor enthusiasts. Inside, you'll find a cozy wood-burning stove and plenty of room to spread out. Whether you're looking to settle into a quiet community or create a weekend retreat, this home provides a rare opportunity with great space and location. Bring your vision and make it your own!

27. 2025-12-01
    status Active 570-char remark

    Show marketing remark (570 chars)

    First time ever on the market! Welcome to 3285 4th Street, a spacious 5-bedroom, 1-bath ranch offering 1,632 sq ft of living space, plus a full basement for added potential. Situated on a large corner lot, this home is just minutes from the Twin Lake boat launch--perfect for outdoor enthusiasts. Inside, you'll find a cozy wood-burning stove and plenty of room to spread out. Whether you're looking to settle into a quiet community or create a weekend retreat, this home provides a rare opportunity with great space and location. Bring your vision and make it your own!

28. 2025-12-01
    status Active 570-char remark

    Show marketing remark (570 chars)

    First time ever on the market! Welcome to 3285 4th Street, a spacious 5-bedroom, 1-bath ranch offering 1,632 sq ft of living space, plus a full basement for added potential. Situated on a large corner lot, this home is just minutes from the Twin Lake boat launch--perfect for outdoor enthusiasts. Inside, you'll find a cozy wood-burning stove and plenty of room to spread out. Whether you're looking to settle into a quiet community or create a weekend retreat, this home provides a rare opportunity with great space and location. Bring your vision and make it your own!

29. 2025-12-01
    status Active

    Show marketing remark (570 chars)

    First time ever on the market! Welcome to 3285 4th Street, a spacious 5-bedroom, 1-bath ranch offering 1,632 sq ft of living space, plus a full basement for added potential. Situated on a large corner lot, this home is just minutes from the Twin Lake boat launch--perfect for outdoor enthusiasts. Inside, you'll find a cozy wood-burning stove and plenty of room to spread out. Whether you're looking to settle into a quiet community or create a weekend retreat, this home provides a rare opportunity with great space and location. Bring your vision and make it your own!

30. 2025-11-29
    historical

    Show marketing remark (570 chars)

    First time ever on the market! Welcome to 3285 4th Street, a spacious 5-bedroom, 1-bath ranch offering 1,632 sq ft of living space, plus a full basement for added potential. Situated on a large corner lot, this home is just minutes from the Twin Lake boat launch--perfect for outdoor enthusiasts. Inside, you'll find a cozy wood-burning stove and plenty of room to spread out. Whether you're looking to settle into a quiet community or create a weekend retreat, this home provides a rare opportunity with great space and location. Bring your vision and make it your own!

31. 2025-11-29
    historical 570-char remark

    Show marketing remark (570 chars)

    First time ever on the market! Welcome to 3285 4th Street, a spacious 5-bedroom, 1-bath ranch offering 1,632 sq ft of living space, plus a full basement for added potential. Situated on a large corner lot, this home is just minutes from the Twin Lake boat launch--perfect for outdoor enthusiasts. Inside, you'll find a cozy wood-burning stove and plenty of room to spread out. Whether you're looking to settle into a quiet community or create a weekend retreat, this home provides a rare opportunity with great space and location. Bring your vision and make it your own!

32. 2025-11-28
    historical 570-char remark

    Show marketing remark (570 chars)

    First time ever on the market! Welcome to 3285 4th Street, a spacious 5-bedroom, 1-bath ranch offering 1,632 sq ft of living space, plus a full basement for added potential. Situated on a large corner lot, this home is just minutes from the Twin Lake boat launch--perfect for outdoor enthusiasts. Inside, you'll find a cozy wood-burning stove and plenty of room to spread out. Whether you're looking to settle into a quiet community or create a weekend retreat, this home provides a rare opportunity with great space and location. Bring your vision and make it your own!

33. 2025-10-13
    price $199,900 570-char remark

    Show marketing remark (570 chars)

    First time ever on the market! Welcome to 3285 4th Street, a spacious 5-bedroom, 1-bath ranch offering 1,632 sq ft of living space, plus a full basement for added potential. Situated on a large corner lot, this home is just minutes from the Twin Lake boat launch--perfect for outdoor enthusiasts. Inside, you'll find a cozy wood-burning stove and plenty of room to spread out. Whether you're looking to settle into a quiet community or create a weekend retreat, this home provides a rare opportunity with great space and location. Bring your vision and make it your own!

34. 2025-10-12
    price $199,900 570-char remark

    Show marketing remark (570 chars)

    First time ever on the market! Welcome to 3285 4th Street, a spacious 5-bedroom, 1-bath ranch offering 1,632 sq ft of living space, plus a full basement for added potential. Situated on a large corner lot, this home is just minutes from the Twin Lake boat launch--perfect for outdoor enthusiasts. Inside, you'll find a cozy wood-burning stove and plenty of room to spread out. Whether you're looking to settle into a quiet community or create a weekend retreat, this home provides a rare opportunity with great space and location. Bring your vision and make it your own!

35. 2025-10-12
    price $199,900

    Show marketing remark (570 chars)

    First time ever on the market! Welcome to 3285 4th Street, a spacious 5-bedroom, 1-bath ranch offering 1,632 sq ft of living space, plus a full basement for added potential. Situated on a large corner lot, this home is just minutes from the Twin Lake boat launch--perfect for outdoor enthusiasts. Inside, you'll find a cozy wood-burning stove and plenty of room to spread out. Whether you're looking to settle into a quiet community or create a weekend retreat, this home provides a rare opportunity with great space and location. Bring your vision and make it your own!

36. 2025-09-04
    price $219,900 570-char remark

    Show marketing remark (570 chars)

    First time ever on the market! Welcome to 3285 4th Street, a spacious 5-bedroom, 1-bath ranch offering 1,632 sq ft of living space, plus a full basement for added potential. Situated on a large corner lot, this home is just minutes from the Twin Lake boat launch--perfect for outdoor enthusiasts. Inside, you'll find a cozy wood-burning stove and plenty of room to spread out. Whether you're looking to settle into a quiet community or create a weekend retreat, this home provides a rare opportunity with great space and location. Bring your vision and make it your own!

37. 2025-09-04
    price $219,900 570-char remark

    Show marketing remark (570 chars)

    First time ever on the market! Welcome to 3285 4th Street, a spacious 5-bedroom, 1-bath ranch offering 1,632 sq ft of living space, plus a full basement for added potential. Situated on a large corner lot, this home is just minutes from the Twin Lake boat launch--perfect for outdoor enthusiasts. Inside, you'll find a cozy wood-burning stove and plenty of room to spread out. Whether you're looking to settle into a quiet community or create a weekend retreat, this home provides a rare opportunity with great space and location. Bring your vision and make it your own!

38. 2025-09-04
    price $219,900

    Show marketing remark (570 chars)

    First time ever on the market! Welcome to 3285 4th Street, a spacious 5-bedroom, 1-bath ranch offering 1,632 sq ft of living space, plus a full basement for added potential. Situated on a large corner lot, this home is just minutes from the Twin Lake boat launch--perfect for outdoor enthusiasts. Inside, you'll find a cozy wood-burning stove and plenty of room to spread out. Whether you're looking to settle into a quiet community or create a weekend retreat, this home provides a rare opportunity with great space and location. Bring your vision and make it your own!

39. 2025-08-07
    price $239,900 570-char remark

    Show marketing remark (570 chars)

    First time ever on the market! Welcome to 3285 4th Street, a spacious 5-bedroom, 1-bath ranch offering 1,632 sq ft of living space, plus a full basement for added potential. Situated on a large corner lot, this home is just minutes from the Twin Lake boat launch--perfect for outdoor enthusiasts. Inside, you'll find a cozy wood-burning stove and plenty of room to spread out. Whether you're looking to settle into a quiet community or create a weekend retreat, this home provides a rare opportunity with great space and location. Bring your vision and make it your own!

40. 2025-08-07
    price $239,900 570-char remark

    Show marketing remark (570 chars)

    First time ever on the market! Welcome to 3285 4th Street, a spacious 5-bedroom, 1-bath ranch offering 1,632 sq ft of living space, plus a full basement for added potential. Situated on a large corner lot, this home is just minutes from the Twin Lake boat launch--perfect for outdoor enthusiasts. Inside, you'll find a cozy wood-burning stove and plenty of room to spread out. Whether you're looking to settle into a quiet community or create a weekend retreat, this home provides a rare opportunity with great space and location. Bring your vision and make it your own!

41. 2025-08-07
    price $239,900

    Show marketing remark (570 chars)

    First time ever on the market! Welcome to 3285 4th Street, a spacious 5-bedroom, 1-bath ranch offering 1,632 sq ft of living space, plus a full basement for added potential. Situated on a large corner lot, this home is just minutes from the Twin Lake boat launch--perfect for outdoor enthusiasts. Inside, you'll find a cozy wood-burning stove and plenty of room to spread out. Whether you're looking to settle into a quiet community or create a weekend retreat, this home provides a rare opportunity with great space and location. Bring your vision and make it your own!

42. 2025-08-05
    price $274,900 570-char remark

    Show marketing remark (570 chars)

    First time ever on the market! Welcome to 3285 4th Street, a spacious 5-bedroom, 1-bath ranch offering 1,632 sq ft of living space, plus a full basement for added potential. Situated on a large corner lot, this home is just minutes from the Twin Lake boat launch--perfect for outdoor enthusiasts. Inside, you'll find a cozy wood-burning stove and plenty of room to spread out. Whether you're looking to settle into a quiet community or create a weekend retreat, this home provides a rare opportunity with great space and location. Bring your vision and make it your own!

43. 2025-08-04
    price $274,900 570-char remark

    Show marketing remark (570 chars)

    First time ever on the market! Welcome to 3285 4th Street, a spacious 5-bedroom, 1-bath ranch offering 1,632 sq ft of living space, plus a full basement for added potential. Situated on a large corner lot, this home is just minutes from the Twin Lake boat launch--perfect for outdoor enthusiasts. Inside, you'll find a cozy wood-burning stove and plenty of room to spread out. Whether you're looking to settle into a quiet community or create a weekend retreat, this home provides a rare opportunity with great space and location. Bring your vision and make it your own!

44. 2025-08-04
    price $274,900

    Show marketing remark (570 chars)

    First time ever on the market! Welcome to 3285 4th Street, a spacious 5-bedroom, 1-bath ranch offering 1,632 sq ft of living space, plus a full basement for added potential. Situated on a large corner lot, this home is just minutes from the Twin Lake boat launch--perfect for outdoor enthusiasts. Inside, you'll find a cozy wood-burning stove and plenty of room to spread out. Whether you're looking to settle into a quiet community or create a weekend retreat, this home provides a rare opportunity with great space and location. Bring your vision and make it your own!

45. 2025-04-28
    listed $279,999 Active 570-char remark

    Show marketing remark (570 chars)

    First time ever on the market! Welcome to 3285 4th Street, a spacious 5-bedroom, 1-bath ranch offering 1,632 sq ft of living space, plus a full basement for added potential. Situated on a large corner lot, this home is just minutes from the Twin Lake boat launch--perfect for outdoor enthusiasts. Inside, you'll find a cozy wood-burning stove and plenty of room to spread out. Whether you're looking to settle into a quiet community or create a weekend retreat, this home provides a rare opportunity with great space and location. Bring your vision and make it your own!

46. 2025-04-28
    listed $279,999 Active 570-char remark

    Show marketing remark (570 chars)

    First time ever on the market! Welcome to 3285 4th Street, a spacious 5-bedroom, 1-bath ranch offering 1,632 sq ft of living space, plus a full basement for added potential. Situated on a large corner lot, this home is just minutes from the Twin Lake boat launch--perfect for outdoor enthusiasts. Inside, you'll find a cozy wood-burning stove and plenty of room to spread out. Whether you're looking to settle into a quiet community or create a weekend retreat, this home provides a rare opportunity with great space and location. Bring your vision and make it your own!

47. 2025-04-28
    listed $279,999 Active

    Show marketing remark (570 chars)

    First time ever on the market! Welcome to 3285 4th Street, a spacious 5-bedroom, 1-bath ranch offering 1,632 sq ft of living space, plus a full basement for added potential. Situated on a large corner lot, this home is just minutes from the Twin Lake boat launch--perfect for outdoor enthusiasts. Inside, you'll find a cozy wood-burning stove and plenty of room to spread out. Whether you're looking to settle into a quiet community or create a weekend retreat, this home provides a rare opportunity with great space and location. Bring your vision and make it your own!

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Tax reassessment forecast MI · Partial reset (capped growth)

• Current annual tax: $2,975 · $248/mo
• Projected year-2 tax: $2,975 · $248/mo
• Expected delta: $0/yr ($0/mo · 0.0%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 5/10 Major FEMA zone X (unshaded) · 24% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 1/10 Low 7 d/yr ≥93°F today · 15 d/yr by 30 yrs out
• 💨 Wind 1/10 Low
• 🫁 Air quality 2/10 Low 2 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $16,402
• − Mortgage interest: −$9,517
• − Property taxes: −$2,975
• − Insurance: −$850
• − Repairs & maintenance: −$1,312
• − Management: −$1,312
• − Depreciation: −$4,943
• Taxable loss: −$4,506
• Est. tax savings @ 24.0%: +$1,081
• After-tax cash flow: $-477/yr

For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.

Schools (NCES district)

• District: Reeths-Puffer Schools
• NCES district ID: 2629540
• Math proficiency: 28% ▼ -9.00%
• Reading proficiency: 44% ▼ -4.00%
• Median HH income: $55,223
• Composite: 31.62/100
• National rank: #5942
• State rank: #254 of 540 in MI

Livability — Twin Lake

• Score: 70/100
• State rank: #307
• US rank: #7611

Category grades

Amenities F Commute F Cost of living A+ Crime A+ Employment A- Housing A+ Health & safety F User ratings A

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Twin Lake, MI
• Population (ZIP): 11,263

Population outlook (Muskegon County) Hauer SSP2

• Today (2025): 174,032 people
• By 2030: 173,365 · -0.4%
• By 2040: 168,877 · -3.0%
• By 2050: 160,306 · -7.9%
• By 2075: 134,426 · -22.8%
• By 2100: 98,836 · -43.2%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (89%)
• Race & ethnicity: White 89% Two or more races 6% Hispanic / Latino 4% Black 1% Asian 1%
• Common ancestry: Iranian 14% Romanian 6% Lithuanian 3%
• Foreign-born: 2% · South Korea, Canada
• Languages at home: 97% English-only · Spanish 3%

Political lean MEDSL · Muskegon

• 2024 margin: Toss-up / Even · D 48.4% · R 50.2% · Other 1.5%
• 2008→2024 swing: -31.1pp toward R · 2008: 29.3pp · 2024: -1.8pp
• All cycles: 2024: R+1.8 2020: D+0.6 2016: D+0.9 2012: D+17.8 2008: D+29.3

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -150.52%
• Current HPI: 271.7426
• Rent YoY: —
• Metro: —
• State GDP YoY: ▲ 1.37%
• F500 in state: 28

Industry mix (Fortune 500 HQ in MI)

Industry	F500 HQs	Revenue
▸Automotive Parts	3	$48B
▸Automotive	2	$372B
▸Chemicals	1	$45B
▸Automotive Retail	1	$29B
▸Healthcare / Medical Devices	1	$23B
▸Automotive Technology	1	$20B

Price history

-39.3% since first listed

47 events — show timeline

• 2026-05-10 Pending — REALCOMP
• 2026-05-10 Pending — MiRealSource-MiMLS
• 2026-05-10 Pending — SW Michigan MLS
• 2026-05-06 Price Changed $169,900 MiRealSource-MiMLS
• 2026-05-06 Relisted — MiRealSource-MiMLS
• 2026-05-06 Relisted — REALCOMP
• 2026-05-06 Price Changed $169,900 REALCOMP
• 2026-05-06 Relisted — SW Michigan MLS
• 2026-05-06 Price Changed $169,900 SW Michigan MLS
• 2026-04-15 Pending — REALCOMP
• 2026-04-15 Pending — MiRealSource-MiMLS
• 2026-04-15 Pending — SW Michigan MLS
• 2026-03-31 Relisted — REALCOMP
• 2026-03-27 Listing Removed — REALCOMP
• 2026-03-21 Price Changed $179,900 MiRealSource-MiMLS
• 2026-03-21 Relisted — MiRealSource-MiMLS
• 2026-03-21 Relisted — REALCOMP
• 2026-03-21 Price Changed $179,900 REALCOMP
• 2026-03-20 Relisted — SW Michigan MLS
• 2026-03-20 Price Changed $179,900 SW Michigan MLS
• 2026-02-20 Pending — REALCOMP
• 2026-02-20 Pending — MiRealSource-MiMLS
• 2026-02-20 Pending — SW Michigan MLS
• 2025-12-05 Price Changed $185,000 MiRealSource-MiMLS
• 2025-12-04 Price Changed $185,000 REALCOMP
• 2025-12-04 Price Changed $185,000 SW Michigan MLS
• 2025-12-01 Relisted — MiRealSource-MiMLS
• 2025-12-01 Relisted — REALCOMP
• 2025-12-01 Relisted — SW Michigan MLS
• 2025-11-29 Listing Removed — SW Michigan MLS
• 2025-11-29 Listing Removed — MiRealSource-MiMLS
• 2025-11-28 Listing Removed — REALCOMP
• 2025-10-13 Price Changed $199,900 MiRealSource-MiMLS
• 2025-10-12 Price Changed $199,900 REALCOMP
• 2025-10-12 Price Changed $199,900 SW Michigan MLS
• 2025-09-04 Price Changed $219,900 MiRealSource-MiMLS
• 2025-09-04 Price Changed $219,900 REALCOMP
• 2025-09-04 Price Changed $219,900 SW Michigan MLS
• 2025-08-07 Price Changed $239,900 MiRealSource-MiMLS
• 2025-08-07 Price Changed $239,900 REALCOMP
• 2025-08-07 Price Changed $239,900 SW Michigan MLS
• 2025-08-05 Price Changed $274,900 MiRealSource-MiMLS
• 2025-08-04 Price Changed $274,900 REALCOMP
• 2025-08-04 Price Changed $274,900 SW Michigan MLS
• 2025-04-28 Listed $279,999 REALCOMP
• 2025-04-28 Listed $279,999 SW Michigan MLS
• 2025-04-28 Listed $279,999 MiRealSource-MiMLS

Property tax history

+6.9%/yr

Latest (2025): $2,975 · +54.8% YoY. Source: county tax records.