For Sale
38 Treasure Island, Roscommon, MI 48653
$1,099,000
MLS # 201840987
3 beds3 bathsBuilt 2013
1 / 60
Listing Description
Water and sky views from every angle distinguish this luxury home designed by renowned environmental architect, Ray Kendra. Nestled on the coveted sandy side of Higgins Lake's Treasure Island, this home features geothermal heating/cooling and roof mounted Starlink capable of speeds up to 400Mbps for year-round work and recreation. In the upstairs master suite wake each morning to panoramic water views and fall asleep to the sound of moonlit water lapping at the shore. The suite's closet doubles as a ''cloffice'' and master bath features a walk-in tile shower and separate his/hers vanity areas., Age: 11-15 Years Approx.
Source: SparkMLS
About this home
3-bedroom, 3-bath home in Roscommon built in 2013.
Currently offered at $1,099,000.
Electric service is provided by Consumers Energy Company; natural gas by DTE Gas Company.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms3
Bathrooms3
Year Built2013
Location
CityRoscommon
MunicipalityGerrish Twp
Zip Code48653
CountyRoscommon
Sale & Financing
Listed6/22/2026
Source: SparkMLS
Property Records
FEMA Flood Zone: Zone A — 100-year floodplain (no base flood elevation)
Flood insurance required for federally backed mortgages
Source: FEMA NFHLUSDA Rural Development: Eligible — 0% Down Payment Available
Verify eligibility at USDAListed by Jeri Ann Janisse
RE/MAX of Higgins Lake
Frequently Asked Questions about 38 Treasure Island, Roscommon, MI 48653
Is 38 Treasure Island, Roscommon, MI 48653 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, 38 Treasure Island, Roscommon, MI 48653 is in flood zone A (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: Consumers Energy Company. Gas: DTE Gas Company. Confirm service details directly with providers.
How safe is this area?
For crime and public safety data, we recommend inquiring directly with the Gerrish Twp police department or the Roscommon County sheriff's office.
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Monthly payment$7,128
Principal & interest$7,128
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
38 Treasure Island, Roscommon, MI 48653
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