For Sale
4244 S Paybowme Trail, Shelby, MI 49455
$375,000
MLS # 26033034 (Michigan Regional Information Center (MichRIC))
3 beds1 bath1,224 sqftBuilt 19691.05 acres
1 / 45
Listing Description
Cozy ranch home featuring a covered front porch, sunny side deck, and private backyard in the desirable Cobmoosa Shores Subdivision with access to beautiful Lake Michigan beach! This 3-bedroom, 1-bath home sits on 5 lots and offers a charming cabin vibe with an open living, dining, and kitchen area. The spacious craft room could easily serve as a primary bedroom, and a wood stove provides an economical option for year-round heating. The outdoor space is a gardener's paradise, boasting vibrant flowers, perennials, a fairy garden, multiple raised beds, garden plots, grapevines, peaches, pears, plums, strawberries, blueberries, rasberries, blackberries sheds, and even a greenhouse!
Source: SparkMLS
About this home
3-bedroom, 1-bath, 1,224 sq ft home in Shelby built in 1969.
Listed at $375,000 (about $306/sq ft).
Property tax estimate: $1,815 per year ($151/month). Tax figure is from the MLS listing record; verify with the county treasurer for the most current amount.
Electric service is provided by Great Lakes Energy Cooperative.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms3
Bathrooms1
Living Area1,224 sqft
Lot Size1.05 acres
Year Built1969
Stories1
Location
CityShelby
MunicipalityBenona Twp
Zip Code49455
CountyOceana
School DistrictShelby
Construction & Systems
StyleCabin, Ranch
ConstructionWood Siding
BasementSlab
HeatingSpace Heater, Wood
WaterWell
SewerSeptic Tank
UtilitiesHigh-Speed Internet
InteriorCeiling Fan(s)
Sale & Financing
Listed7/9/2026
Terms AcceptedCash, Conventional
HOA
HOA Fee$675 / Annually
IncludesOther
Source: SparkMLS
Tax Information
Annual Tax$1,815
Tax Year2025
Assessed Value$67,133
Parcel #011-410-242-00
Source: SparkMLS
Legal Description
SEC 31 T14N R18W COBMOOSA SHORES LOTS 242 243, 249, 250 & 251 Includes 2nd tax ID 011-410-243-00
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 Monica S Owens
Coldwell Banker Anchor-Pentwater
Frequently Asked Questions about 4244 S Paybowme Trail, Shelby, MI 49455
Which school district serves 4244 S Paybowme Trail, Shelby, MI 49455?
Per MLS# 26033034, 4244 S Paybowme Trail, Shelby, MI 49455 is in the Shelby boundaries. School district assignments are determined by property location and may differ from the mailing city. Contact Shelby directly to confirm enrollment eligibility.
What financing options are available for 4244 S Paybowme Trail, Shelby, MI 49455?
Per MLS# 26033034, this listing accepts Cash, Conventional financing. Financing acceptance is subject to change — confirm with the listing agent.
What are the property taxes at 4244 S Paybowme Trail, Shelby, MI 49455?
Per public tax records, annual property taxes for this property are $1,815 (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, 4244 S Paybowme Trail, Shelby, MI 49455 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 4244 S Paybowme Trail, Shelby, MI 49455 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 4244 S Paybowme Trail, Shelby, MI 49455?
Per Michigan Public Service Commission service territory data: Electric: Great Lakes Energy Cooperative. Sewer: Septic Tank. 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 Benona Twp police department or the Oceana County sheriff's office.
Map
Mortgage Calculator
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Monthly payment$2,488
Principal & interest$2,432
HOA$56
Estimate only. Does not include PMI or other fees. Consult a lender for exact rates.
Utilities
Great Lakes Energy Cooperative
Co-op
MI Public Service Commission service territory boundaries.
Property
4244 S Paybowme Trail, Shelby, MI 49455
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County
Macomb County
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