For Sale
19454 E Chippewa Lake Drive, Chippewa Lake, MI 49320
$399,000
MLS # 26024437 (Michigan Regional Information Center (MichRIC))
3 beds2 baths1,475 sqftBuilt 19600.41 acres
1 / 39
Listing Description
Perched on a hill overlooking the sparkling waters of Chippewa Lake, this stunning 3 bedroom and 2 full bathroom retreat offers breathtaking panoramic views and unforgettable sunsets that feel straight out of a postcard. A versatile bonus room ideal for a home office, hobby space, or extra storage as well. Just steps from the home, you can enjoy shared deeded access to the all-sports Chippewa Lake; featuring a sandy bottom swimming area, private dock, swim platform, firepit, and tiki bar-the ultimate waterfront setup for entertaining, relaxing, and making lifelong memories. Inside, the beautifully updated home welcomes you with an open-concept kitchen and living area designed to capture the incredible lake views. Expansive ceilings with exposed beams and windows fill the space with natural light while creating a warm yet dramatic atmosphere.
Source: SparkMLS
About this home
Located in Chippewa Lake, this property offers 3-bedroom, 2-bath, 1,475 sq ft, with original construction dating to 1960.
Listed at $399,000 (about $271/sq ft).
Estimated annual property tax: $4,423, or about $369 monthly. Tax figure is from the MLS listing record; verify with the county treasurer for the most current amount.
Electric service is provided by Consumers Energy Company; natural gas by DTE Gas Company.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms3
Bathrooms2
Living Area1,475 sqft
Lot Size0.41 acres
Year Built1960
Stories1
Location
CityChippewa Lake
MunicipalityChippewa Twp
Zip Code49320
CountyMecosta
School DistrictChippewa Hills
Construction & Systems
StyleRanch
ConstructionVinyl Siding
BasementCrawl Space, Partial
Garage2 spaces
HeatingForced Air
WaterWell
SewerPublic
InteriorCeiling Fan(s)
Sale & Financing
Listed5/22/2026
Original Price$412,500
Terms AcceptedCash, FHA, VA Loan, Rural Development, MSHDA, Conventional
Source: SparkMLS
Tax Information
Annual Tax$4,423
Tax Year2025
Assessed Value$103,678
Parcel #5403-065-006-000
Source: SparkMLS
Legal Description
SEC 29 T16N R08W LAKE SIDE PARK LOTS 6, 7, 8
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 Megan Grubaugh
RE/MAX TOGETHER
Frequently Asked Questions about 19454 E Chippewa Lake Drive, Chippewa Lake, MI 49320
Which school district serves 19454 E Chippewa Lake Drive, Chippewa Lake, MI 49320?
Per MLS# 26024437, 19454 E Chippewa Lake Drive, Chippewa Lake, MI 49320 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 financing options are available for 19454 E Chippewa Lake Drive, Chippewa Lake, MI 49320?
Per MLS# 26024437, this listing accepts Cash, FHA, VA Loan, Rural Development, MSHDA, 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 19454 E Chippewa Lake Drive, Chippewa Lake, MI 49320?
Per public tax records, annual property taxes for this property are $4,423 (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.
Can I use a USDA Rural Development loan for this property?
Per USDA Rural Development boundary data, 19454 E Chippewa Lake Drive, Chippewa Lake, MI 49320 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 19454 E Chippewa Lake Drive, Chippewa Lake, MI 49320 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 19454 E Chippewa Lake Drive, Chippewa Lake, MI 49320?
Per Michigan Public Service Commission service territory data: Electric: Consumers Energy Company. Gas: DTE Gas Company. Sewer: Public. 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 Chippewa Twp police department or the Mecosta County sheriff's office.
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Monthly payment$2,588
Principal & interest$2,588
Estimate only. Does not include PMI or other fees. Consult a lender for exact rates.
Utilities
Consumers Energy Company
Investor-Owned
DTE Gas Company
Investor-Owned
MI Public Service Commission service territory boundaries.
Property
19454 E Chippewa Lake Drive, Chippewa Lake, MI 49320
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