For Sale
13670 Cottonwood Lane, Harbert, MI 49115
$1,289,000
MLS # 26025839 (Michigan Regional Information Center (MichRIC))
4 beds4 baths2,661 sqftBuilt 20041.18 acres
1 / 43
Listing Description
Spacious, light-filled custom 4br/4ba beach house on over 1 acre with a gorgeous beach at the end of the street. This distinctively designed home has exposed beams, and a beautiful wood ceiling in a 2-story central living space. Open living/dining area includes a wood stove for chilly nights and a wall of windows overlooking the large back yard. The adjacent den adds guest or work-from-home space, while the kitchen and pantry/breakfast bar overlook the yard. The generous primary suite has a fireplace and a spa-style bath, and private patio. Additional bedrooms and a sunroom/studio are cleverly situated on the other side of the house to add privacy, while offering room for everyone to gather comfortably. Upstairs loft adds flexibility to create more sleep/play space. 2-car garage w/workout space! Huge back yard is pool/sport court ready! Located close to gorgeous Harbert Beach, this home delivers serenity and style with easy access to everything Harbor Country has to offe
Source: SparkMLS
About this home
4-bedroom, 4-bath, 2,661 sq ft home in Chikaming Township in Harbert built in 2004.
Asking $1,289,000 (about $484/sq ft).
Estimated annual property tax: $7,027, or about $586 monthly. Tax figure is from the MLS listing record; verify with the county treasurer for the most current amount.
Electric service is provided by Indiana Michigan Power Company; natural gas by SEMCO Energy Gas Company.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms4
Bathrooms4
Living Area2,661 sqft
Lot Size1.18 acres
Year Built2004
Stories2
Location
CityHarbert
MunicipalityChikaming Twp
Zip Code49115
CountyBerrien
School DistrictRiver Valley
Construction & Systems
StyleContemporary
ConstructionWood Siding
BasementCrawl Space
Garage2 spaces
HeatingForced Air
WaterPublic
SewerPublic
UtilitiesNatural Gas Connected, Cable Connected, High-Speed Internet
InteriorCeiling Fan(s), Garage Door Opener
Sale & Financing
Listed5/28/2026
Terms AcceptedCash, Conventional
Source: SparkMLS
Tax Information
Annual Tax$7,027
Tax Year2023
Assessed Value$851,000
Parcel #11-07-0009-0018-04-1
Source: SparkMLS
Legal Description
COM AT SE COR SEC 9 T7S R20W TH 732.79' W TH N00DEG22'23''E 164.3' TO POB TH W 174' TH N00DEG21'07''E 130' TH E 174.05' TH S00DEG22'23''W 130' TO POB
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 ChooseChad Team
Coldwell Banker Realty
Frequently Asked Questions about 13670 Cottonwood Lane, Harbert, MI 49115
What school district is 13670 Cottonwood Lane, Harbert, MI 49115 in?
Per MLS# 26025839, this property is served by River Valley. In Michigan, school district boundaries are set by the state and do not always follow city limits.
Can I use FHA or VA financing for this property?
Per MLS# 26025839, the seller has indicated this property accepts the following financing types: Cash, Conventional. Financing acceptance is subject to change — confirm with the listing agent.
How much are property taxes for this home?
Per MLS# 26025839, the most recent reported annual property tax for 13670 Cottonwood Lane, Harbert, MI 49115 is $7,027 (2023). 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 13670 Cottonwood Lane, Harbert, MI 49115 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, 13670 Cottonwood Lane, Harbert, MI 49115 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: Indiana Michigan Power Company. Gas: SEMCO Energy Gas Company. Sewer: Public. Water: Public. Confirm service details directly with providers.
How safe is this area?
For crime and public safety data, we recommend inquiring directly with the Chikaming Twp police department or the Berrien County sheriff's office.
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Monthly payment$8,360
Principal & interest$8,360
Estimate only. Does not include PMI or other fees. Consult a lender for exact rates.
Utilities
Indiana Michigan Power Company
Investor-Owned
SEMCO Energy Gas Company
Investor-Owned
MI Public Service Commission service territory boundaries.
Property
13670 Cottonwood Lane, Harbert, MI 49115
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Municipality
Chikaming Township
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