For Sale
2651 Erma Drive, Utica, MI 48317
$899,000
MLS # 20261048188 (Realcomp)
4 beds3 baths3,439 sqftBuilt 20050.29 acres
1 / 88
Listing Description
Beautiful lakefront home on Louis Lake featuring a desirable first-floor primary suite and convenient first-floor laundry. The spacious layout includes a walkout basement offering additional living and entertaining space with direct access to the backyard and lake. Enjoy stunning water views and a peaceful setting while still being close to local amenities. Additional updates include a new water heater installed in 2024.
Source: SparkMLS
About this home
4-bedroom, 3-bath, 3,439 sq ft home in Shelby Township in Utica built in 2005.
Asking $899,000 (about $261/sq ft).
Annual property taxes run approximately $12,987 ($1,082/month). Tax figure is from the MLS listing record; verify with the county treasurer for the most current amount.
Electric service is provided by DTE Electric Company; natural gas by Consumers Energy Company.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms4
Bathrooms3
Living Area3,439 sqft
Lot Size0.29 acres
Year Built2005
Stories2
Location
CityUtica
MunicipalityShelby Twp
Zip Code48317
CountyMacomb
School DistrictUtica
Construction & Systems
ConstructionBrick, Vinyl Siding
BasementWalk-Out Access
Garage2.5 spaces
HeatingForced Air
WaterPublic
SewerPublic
Sale & Financing
Listed6/24/2026
Terms AcceptedCash, Conventional
HOA
HOA Fee$100 / Monthly
Source: SparkMLS
Tax Information
Annual Tax$12,987
State Equalized Value$423,800
Taxable Value$212,229
Parcel #07-31-199-020
Source: Public Records
Legal Description
9/9/03 SPLIT & COMB 07-31-201-001 (40 ACRES); 07-31-177-013 (50 ACRES); 07-31-128-010 (.825 ACRES) INTO 07-31-177-014 (74.689 ACRES)LOUIS LAKES ESTATES SITE CONDOS MCCSP #811 UNIT 8 LIBER 13949 PAGES 146-200. PURSUANT TO 2ND AMENDMENT REPLAT #1 (LIBE R 20316 PAGES 7 TO 12).
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 Anthony Djon
Anthony Djon Luxury Real Estate
Frequently Asked Questions about 2651 Erma Drive, Utica, MI 48317
What school district is 2651 Erma Drive, Utica, MI 48317 in?
Per MLS# 20261048188, this property is served by Utica. 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# 20261048188, 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# 20261048188, the most recent reported annual property tax for 2651 Erma Drive, Utica, MI 48317 is $12,987. 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 2651 Erma Drive, Utica, MI 48317 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, 2651 Erma Drive, Utica, MI 48317 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: DTE Electric Company. Gas: Consumers Energy Company. Sewer: Public. Water: Public. Confirm service details directly with providers.
How safe is this area?
Per our practice, crime and safety data should be obtained directly from the authoritative source. Macomb County law enforcement agencies participate in CLEMIS (Courts and Law Enforcement Management Information System) for public safety records.
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Mortgage Calculator
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Monthly payment$5,931
Principal & interest$5,831
HOA$100
Estimate only. Does not include PMI or other fees. Consult a lender for exact rates.
Utilities
DTE Electric Company
Investor-Owned
Consumers Energy Company
Investor-Owned
MI Public Service Commission service territory boundaries.
Property
2651 Erma Drive, Utica, MI 48317
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Municipality
Shelby Township
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County
Macomb County
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