Under Contract
123 Kochs Bay, Grass Lake, MI 49240
$235,000
MLS # 26019186 (Michigan Regional Information Center (MichRIC))
2 beds1 bath700 sqftBuilt 00.18 acres
1 / 27
Listing Description
Welcome to your perfect escape on all-sports Clear Lake in the Chelsea School District! This charming, cozy cottage offers deeded lake access along with your own boat slip--ideal for making the most of Michigan's beautiful seasons. The Association beach is sandy and features a fun swimming area, boat launch and kayak racks. Step inside the home to discover a smart, thoughtfully designed one-story floor plan that maximizes comfort and functionality. The 2 bedrooms are connected by a large laundry room and storage area. The full bathroom is conveniently accessible from the living room or the laundry room with a large open concept kitchen and living room. The home is perfect as a year-round residence, summer cottage or weekend getaway. The standout feature is the stunning screened porch--your private retreat for morning coffee, evening relaxation, or entertaining guests while enjoying peaceful lake breezes without the bugs.
Source: SparkMLS
About this home
Located in Waterloo Township in Grass Lake, this property offers 2-bedroom, 1-bath, 700 sq ft.
Listed at $235,000 (about $336/sq ft).
Estimated annual property tax: $3,105, or about $259 monthly. Estimate is based on county assessor records and current millage rates; actual tax may vary with PRE status and recent assessment changes.
Electric service is provided by Consumers Energy Company.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms2
Bathrooms1
Living Area700 sqft
Lot Size0.18 acres
Year Built0
Stories1
Location
CityGrass Lake
MunicipalityWaterloo Twp
Zip Code49240
CountyJackson
School DistrictChelsea
Construction & Systems
StyleCabin
ConstructionWood Siding
BasementCrawl Space
HeatingForced Air
SewerSeptic Tank
UtilitiesNatural Gas Connected, High-Speed Internet
InteriorEat-in Kitchen
Sale & Financing
Listed4/30/2026
Terms AcceptedCash, FHA, VA Loan, Rural Development, MSHDA, Conventional
HOA
HOA Fee$75 / Monthly
IncludesOther, Water, Trash, Snow Removal
Source: SparkMLS
Tax Information
Annual Tax$1,824
Tax Year2025
State Equalized Value$97,000
Taxable Value$56,408
Assessed Value$56,408
Parcel #000-05-35-477-006-00
Source: Public Records
Legal Description
UNIT 6 KOCH'S BAY-CONDOMINIUM
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 Keri Poulter
The Charles Reinhart Company
Frequently Asked Questions about 123 Kochs Bay, Grass Lake, MI 49240
What school district is 123 Kochs Bay, Grass Lake, MI 49240 in?
Per MLS# 26019186, this property is served by Chelsea. In Michigan, school district boundaries are set by the state and do not always follow city limits.
What financing options are available for 123 Kochs Bay, Grass Lake, MI 49240?
Per MLS# 26019186, the seller has indicated this property accepts the following financing types: Cash, FHA, VA Loan, Rural Development, MSHDA, Conventional. FHA financing can offer lower down payment requirements for qualified buyers. Financing acceptance is subject to change — confirm with the listing agent.
How much are property taxes for this home?
Per MLS# 26019186, the most recent reported annual property tax for 123 Kochs Bay, Grass Lake, MI 49240 is $1,824 (2025). 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.
Is 123 Kochs Bay, Grass Lake, MI 49240 eligible for USDA financing?
Per USDA boundary maps, this property is located in a USDA-eligible area, which means qualified buyers may be able to finance with 0% down through the USDA Rural Development program. Confirm current eligibility directly with USDA.
What is the FEMA flood zone designation for this property?
Per FEMA's National Flood Hazard Layer, 123 Kochs Bay, Grass Lake, MI 49240 is in flood zone X (minimal risk). 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.
Who are the utility providers for this property?
Per Michigan Public Service Commission service territory data: Electric: Consumers Energy Company. Gas: Consumers Energy Company. Sewer: Septic Tank. Confirm service details directly with providers.
How safe is this area?
For crime and public safety data, we recommend inquiring directly with the Waterloo Twp police department or the Jackson County sheriff's office.
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Tax Estimate
$
Annual tax$3,105
Monthly$259
Millage rate32.0137 mills
Municipality: Waterloo
School district: CHELSEA SCHOOL DISTRICT
County: Jackson
Estimate based on SEV for a new buyer (taxable value resets to SEV on transfer). Actual taxes may vary. MI Treasury PT Estimator
BETATax History
View SEV, Taxable Value, and uncapping difference for this parcel — Jackson County public records.
Mortgage Calculator
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Monthly payment$1,858
Principal & interest$1,524
Property taxes$259
HOA$75
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
123 Kochs Bay, Grass Lake, MI 49240
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Municipality
Waterloo Township
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County
Jackson County
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