Sold
2662 Cottage Lane, MI 48028
Sold on 06/18/2026 for$122,000
MLS # 20261033833 (Realcomp)
2 beds1 bath811 sqftBuilt 19450.19 acres
1 / 17
Listing Description
This charming Harsen's Island cottage has been gutted and is ready for your renovation! Ideally located on a canal (great for your boat) a few yards from the north channel (great for navigating) it's on a paved road close to the ferry. The spacious yard with boat house and dock are ready to be turned into your personal island getaway. There is no plumbing, water, gas or heat. BATVAI
Source: SparkMLS
About this home
2-bedroom, 1-bath, 811 sq ft home in Clay Township in Michigan built in 1945.
Closed at $122,000 (about $150/sq ft).
Property tax estimate: $2,767 per year ($231/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 SEMCO Energy Gas Company.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms2
Bathrooms1
Living Area811 sqft
Lot Size0.19 acres
Year Built1945
Stories1
Location
MunicipalityClay Twp
Zip Code48028
CountySt. Clair
School DistrictAlgonac
Construction & Systems
BasementCrawl Space
HeatingOther
SewerSeptic Tank
Sale & Financing
Listed5/14/2026
Sold Date6/17/2026
Terms AcceptedCash
Source: SparkMLS
Tax Information
Annual Tax$2,767
Parcel #74148200016000
Source: SparkMLS
Legal Description
W 1/2 OF LOT 11 RIVER-VIEW SUBD. PC LOT 5
Property Records
FEMA Flood Zone: Zone AE — 100-year floodplain
Flood insurance required for federally backed mortgages
Source: FEMA NFHLUSDA Rural Development: Eligible — 0% Down Payment Available
Verify eligibility at USDAListed by Sara Schubert
Lakeside Property Store
Frequently Asked Questions about 2662 Cottage Lane, MI 48028
What school district is 2662 Cottage Lane, MI 48028 in?
Per MLS# 20261033833, this property is served by Algonac. 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# 20261033833, the seller has indicated this property accepts the following financing types: Cash. Financing acceptance is subject to change — confirm with the listing agent.
How much are property taxes for this home?
Per MLS# 20261033833, the most recent reported annual property tax for 2662 Cottage Lane, MI 48028 is $2,767. 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 2662 Cottage Lane, MI 48028 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, 2662 Cottage Lane, MI 48028 is in flood zone AE (high risk). Flood insurance is required for federally-backed mortgages in this zone. 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: SEMCO Energy Gas 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 Clay Twp police department or the St. Clair County sheriff's office.
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Mortgage Calculator
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Monthly payment$843
Principal & interest$843
Estimate only. Does not include PMI or other fees. Consult a lender for exact rates.
Utilities
DTE Electric Company
Investor-Owned
SEMCO Energy Gas Company
Investor-Owned
MI Public Service Commission service territory boundaries.
Property
2662 Cottage Lane, MI 48028
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Municipality
Clay Township
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