Under Contract
10740 Emerald Drive, Cement City, MI 49233
$644,900
MLS # 26009967 (Michigan Regional Information Center (MichRIC))
4 beds4 baths3,798 sqftBuilt 20020.3 acres
1 / 80
Listing Description
Discover 10740 Emerald Drive, an amazingly well-kept and renovated single-owner home on the highly sought-after private Lake Somerset. This exceptional property offers the quintessential lake lifestyle and an amazing price per square foot, boasting a vibrant community known for its summer events, all-sports lake access, and renowned superior fishing. This home truly stands above the crowd, having been meticulously maintained by its military family owners. You'll enjoy peace of mind with a new roof, new shaker siding, a newer AC unit, updated furnace, full garage retractable screen, Newer appliances, and newer windows - everything a new buyer could possibly desire! Step inside this sizable home, perfect for families of all sizes. Multiple living areas provide ample space for relaxation and entertaining, demanding an in-person visit to truly appreciate its sheer scale. The kitchen seamlessly flows into a huge dining area, bathed in natural light from wall-to-wall windows.
Source: SparkMLS
About this home
4-bedroom, 4-bath, 3,798 sq ft home in Cement City built in 2002.
Currently offered at $644,900 (about $170/sq ft).
Electric service is provided by Consumers Energy Company.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms4
Bathrooms4
Living Area3,798 sqft
Lot Size0.3 acres
Year Built2002
Stories2
Location
CityCement City
MunicipalitySomerset Twp
Zip Code49233
CountyHillsdale
School DistrictAddison
Construction & Systems
StyleTraditional
ConstructionVinyl Siding
BasementFull, Walk-Out Access
Garage2 spaces
HeatingForced Air
WaterWell
SewerSeptic Tank
UtilitiesNatural Gas Available
InteriorCeiling Fan(s), Garage Door Opener, Wet Bar, Center Island, Pantry
Sale & Financing
Listed3/15/2026
Terms AcceptedCash, FHA, VA Loan, Rural Development, Conventional
HOA
HOA Fee$215 / Annually
IncludesOther
Source: SparkMLS
Tax Information
Annual Tax$0
Tax Year2025
Assessed Value$159,321
Parcel #04-195-001-061
Source: SparkMLS
Legal Description
LOT 60 LAKE SOMERSET - HILLANDALE
Property Records
FEMA Flood Zone: Zone X — Minimal flood risk
Source: FEMA NFHLUSDA Rural Development: Eligible — 0% Down Payment Available
Verify eligibility at USDAListed by BRETT MILES
Century 21 Affiliated - Jackson
Frequently Asked Questions about 10740 Emerald Drive, Cement City, MI 49233
Which school district serves 10740 Emerald Drive, Cement City, MI 49233?
Per MLS# 26009967, 10740 Emerald Drive, Cement City, MI 49233 is in the Addison boundaries. School district assignments are determined by property location and may differ from the mailing city. Contact Addison directly to confirm enrollment eligibility.
What type of financing is accepted for this listing?
Per MLS# 26009967, this listing accepts Cash, FHA, VA Loan, Rural Development, Conventional financing. FHA financing can offer lower down payment requirements for qualified buyers. Financing acceptance is subject to change — confirm with the listing agent.
Can I use a USDA Rural Development loan for this property?
Per USDA Rural Development boundary data, 10740 Emerald Drive, Cement City, MI 49233 is in an eligible area. USDA RD loans offer 0% down payment for qualified buyers. Verify current eligibility at the USDA eligibility site, as boundaries are updated periodically.
Is 10740 Emerald Drive, Cement City, MI 49233 in a flood zone?
Per FEMA flood maps, this property is designated as Zone X, a minimal-risk flood area. Flood insurance is not typically required in this zone but may still be advisable. FEMA flood maps are updated periodically — verify the current designation at msc.fema.gov.
What utilities serve 10740 Emerald Drive, Cement City, MI 49233?
Per Michigan Public Service Commission service territory data: Electric: Consumers Energy Company. Gas: Consumers Energy Company. Sewer: Septic Tank. Water: Well. Confirm service details directly with providers.
What is the crime rate in this area?
For crime and public safety data, we recommend inquiring directly with the Somerset Twp police department or the Hillsdale County sheriff's office.
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Mortgage Calculator
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Monthly payment$4,201
Principal & interest$4,183
HOA$18
Estimate only. Does not include PMI or other fees. Consult a lender for exact rates.
Utilities
Consumers Energy Company
Investor-Owned
Consumers Energy Company
Investor-Owned
MI Public Service Commission service territory boundaries.
Property
10740 Emerald Drive, Cement City, MI 49233
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County
Lenawee County
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