Under Contract
10860 3rd Street, Stanwood, MI 49346
$449,900
MLS # 26031523 (Michigan Regional Information Center (MichRIC))
3 beds2 baths1,296 sqftBuilt 19820.24 acres
1 / 34
Listing Description
Waterfront! Main Candian Lakes! Location near the outdoor pool! This adorable home is just the spot for summer fun in Canadian Lakes. With 3 bedrooms and 2 baths, open kitchen/living/dining areas and wonderful views of the lake from all windows, it is one you will want to capture! A summer cottage, or year-round home, this one can do both. Flat yard to the water's edge gets you to the lake with no problem. New central air, new electrical panel, new natural gas furnace, new windows. Home also has electric heat as well. This little charmer is waiting for you. Come and see it today! Canadian Lakes amenities include lakes, golf, pools, fitness center, restaurants and more.
Source: SparkMLS
About this home
3-bedroom, 2-bath, 1,296 sq ft home in Stanwood built in 1982.
Listed at $449,900 (about $347/sq ft).
Property tax estimate: $4,136 per year ($345/month). 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
Bedrooms3
Bathrooms2
Living Area1,296 sqft
Lot Size0.24 acres
Year Built1982
Stories2
Location
CityStanwood
MunicipalityMorton Twp
Zip Code49346
CountyMecosta
School DistrictChippewa Hills
Construction & Systems
StyleChalet
ConstructionWood Siding
BasementCrawl Space
Garage1 space
HeatingForced Air
WaterWell
SewerSeptic Tank
UtilitiesPhone Available, Natural Gas Available, Electricity Available, Cable Available, Natural Gas Connected
InteriorCeiling Fan(s), Broadband, Garage Door Opener, Pantry
Sale & Financing
Listed6/23/2026
Terms AcceptedCash, FHA, VA Loan, Conventional
HOA
HOA Fee$899 / Annually
IncludesSnow Removal
Source: SparkMLS
Tax Information
Annual Tax$4,136
Tax Year2026
Assessed Value$95,898
Parcel #5411-138-067-000
Source: SparkMLS
Legal Description
SEC 29 T14N R8W LOT 67 CANADIAN LAKES #1
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 Kathleen Adams
Coldwell Banker Lakes Realty
Frequently Asked Questions about 10860 3rd Street, Stanwood, MI 49346
Which school district serves 10860 3rd Street, Stanwood, MI 49346?
Per MLS# 26031523, 10860 3rd Street, Stanwood, 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# 26031523, this listing accepts Cash, FHA, VA Loan, Conventional financing. FHA financing can offer lower down payment requirements for qualified buyers. Financing acceptance is subject to change — confirm with the listing agent.
What are the property taxes at 10860 3rd Street, Stanwood, MI 49346?
Per public tax records, annual property taxes for this property are $4,136 (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, 10860 3rd Street, Stanwood, 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 10860 3rd Street, Stanwood, 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 10860 3rd Street, Stanwood, 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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Monthly payment$2,993
Principal & interest$2,918
HOA$75
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
10860 3rd Street, Stanwood, MI 49346
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