Sold
10845 E Royal Road, Canadian Lakes, MI 49346
Sold on 04/06/2026 for$845,000
MLS # 26006880 (Michigan Regional Information Center (MichRIC))
4 beds3 baths3,104 sqftBuilt 19860.58 acres
1 / 54
Listing Description
Extraordinary Waterfront Living in the Heart of the Canadian Lakes resort community. Welcome to an exceptional waterfront estate, where luxury meets the serenity of northern Michigan living. Perfectly positioned on a rare lot and a half, this remarkable property boasts 125 feet of pristine sandy beach frontage along with 30 feet of metal docking--an uncommon opportunity offering space, privacy, and unparalleled shoreline enjoyment. From the moment you arrive, the home makes a stately impression. A large circular drive, lush landscaping with a mix of hardwoods and a graceful willow tree, and an expansive presence set the tone. The oversized finished garage features epoxy flooring, a large storage closet, and inground irrigation servicing the beautifully maintained grounds. Thoughtful updates and quality craftsmanship are evident throughout, including a new roof (2023), composite decking,
Source: SparkMLS
About this home
Located in Canadian Lakes, this property offers 4-bedroom, 3-bath, 3,104 sq ft, with original construction dating to 1986.
Final sale price: $845,000 (about $272/sq ft).
Estimated annual property tax: $5,220, or about $435 monthly. Tax figure is from the MLS listing record; verify with the county treasurer for the most current amount.
Electric service is provided by Homeworks Tri-County Electric Cooperative; natural gas by Consumers Energy Company.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms4
Bathrooms3
Living Area3,104 sqft
Lot Size0.58 acres
Year Built1986
Stories2
Location
CityCanadian Lakes
MunicipalityMorton Twp
Zip Code49346
CountyMecosta
School DistrictChippewa Hills
Construction & Systems
StyleContemporary
ConstructionStone, Vinyl Siding
BasementFull, Walk-Out Access
Garage2 spaces
HeatingForced Air
WaterWell
SewerSeptic Tank
UtilitiesPhone Available, Natural Gas Available, Electricity Available, Cable Available, Natural Gas Connected, Cable Connected, High-Speed Internet
InteriorCeiling Fan(s), Broadband, Garage Door Opener, Center Island, Pantry
Sale & Financing
Listed2/24/2026
Sold Date4/5/2026
Terms AcceptedCash, Conventional
HOA
HOA Fee$1,348 / Annually
IncludesOther, Snow Removal
Source: SparkMLS
Tax Information
Annual Tax$5,220
Tax Year2026
Assessed Value$199,481
Parcel #5411-187-108-000
Source: SparkMLS
Legal Description
SEC 20 T14N R08W LOT 108 & W 1/2 LOT 107 NORTH SHORE ESTATES #1 SPLIT 7-11-11 FROM 11 187 107 000
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 Chip Issette
Century 21 White House Realty
Frequently Asked Questions about 10845 E Royal Road, Canadian Lakes, MI 49346
Which school district serves 10845 E Royal Road, Canadian Lakes, MI 49346?
Per MLS# 26006880, 10845 E Royal Road, Canadian Lakes, MI 49346 is in the Chippewa Hills boundaries. School district assignments are determined by property location and may differ from the mailing city. Contact Chippewa Hills directly to confirm enrollment eligibility.
What type of financing is accepted for this listing?
Per MLS# 26006880, this listing accepts Cash, Conventional financing. Financing acceptance is subject to change — confirm with the listing agent.
What are the property taxes at 10845 E Royal Road, Canadian Lakes, MI 49346?
Per public tax records, annual property taxes for this property are $5,220 (2026). Michigan property taxes are based on a property's taxable value multiplied by the local millage rate. Primary residences qualify for a homestead exemption that lowers the rate.
Can I use a USDA Rural Development loan for this property?
Per USDA Rural Development boundary data, 10845 E Royal Road, Canadian Lakes, MI 49346 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 10845 E Royal Road, Canadian Lakes, MI 49346 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 10845 E Royal Road, Canadian Lakes, MI 49346?
Per Michigan Public Service Commission service territory data: Electric: Homeworks Tri-County Electric Cooperative. 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 Morton Twp police department or the Mecosta County sheriff's office.
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Mortgage Calculator
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Monthly payment$5,949
Principal & interest$5,837
HOA$112
Estimate only. Does not include PMI or other fees. Consult a lender for exact rates.
Utilities
Homeworks Tri-County Electric Cooperative
Co-op
Consumers Energy Company
Investor-Owned
MI Public Service Commission service territory boundaries.
Property
10845 E Royal Road, Canadian Lakes, MI 49346
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