For Sale
4520 Water Street, Columbiaville, MI 48421
$999,900
MLS # 20261036678 (Realcomp)
3 beds5 baths4,678 sqftBuilt 19000.42 acres
1 / 98
Listing Description
Custom waterfront home offering a rare combination of privacy, recreation, and entertaining space in a small-town setting. This iconic Columbiaville building has been converted into a residential home with a large addition, this unique property sits on two city lots with no neighboring homes in lakeview sight and overlooks an excellent walleye fishing area. The home features 3 bedrooms, 3 full baths, and 2 half baths, including both first- and second-floor primary suites. Inside, you’ll find custom kitchens with custom countertops, a chef’s kitchen with oversized pantry with extra fridge & freezer plus an Ice maker, dedicated coffee bar area, upstairs full wet bar, two gas fireplaces, and extensive updates including all new electrical and plumbing, three new furnaces, new windows within the last five years, new appliances, reverse osmosis system, two on-demand water heaters, heated shop floors, and new roofing including a flat roof with a 20-year warranty. The outdoor entertaining areas are equally impressive with a large upper waterfront patio, expansive lower patio, hidden fire pit patio built into the rock wall at the water’s edge, professionally landscaped hardscape, docks, pontoon hoist, and jet ski hoist. Small boats and jet skis can access the big all-sports water while the pontoon can travel far upriver for a private leisurely cruise. Additional features include a heated slab in the new garage, dry basement storage.
Source: SparkMLS
About this home
This 3-bedroom, 5-bath, 4,678 sq ft home built in 1900 sits in Columbiaville Village in Columbiaville.
Currently offered at $999,900 (about $214/sq ft).
Estimated annual property tax: $3,382, or about $282 monthly. 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
Bedrooms3
Bathrooms5
Living Area4,678 sqft
Lot Size0.42 acres
Year Built1900
Stories2
Location
CityColumbiaville
MunicipalityColumbiaville Vlg
Zip Code48421
CountyLapeer
School DistrictLakeville
Construction & Systems
ConstructionBrick, Other
BasementCrawl Space
Garage3 spaces
HeatingForced Air
WaterPublic
SewerPublic
Sale & Financing
Listed5/19/2026
Original Price$1,200,000
Terms AcceptedCash, Conventional, FHA, VA Loan
Source: SparkMLS
Tax Information
Annual Tax$3,382
Parcel #04335100160
Source: SparkMLS
Legal Description
VILLAGE OF COLUMBIAVILLE ORIGINAL PLAT SW 43 FEET OF LOT 1 AND ALL OF LOT 2 BLK 1 AND COM AT SE COR OF LOT 1 BLK, TH SW ALONG WATER ST 49 FT, TH NW 90FT, TH SE TO A PT ON LAPEER ST 65 FT NW OF BEG, TH SE TO BEG, ALL IN LOT 1, BLK 1
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 Douglas F Ferrell
Realty Executives Main St LLC
Frequently Asked Questions about 4520 Water Street, Columbiaville, MI 48421
Which school district serves 4520 Water Street, Columbiaville, MI 48421?
Per MLS# 20261036678, 4520 Water Street, Columbiaville, MI 48421 is in the Lakeville boundaries. School district assignments are determined by property location and may differ from the mailing city. Contact Lakeville directly to confirm enrollment eligibility.
What financing options are available for 4520 Water Street, Columbiaville, MI 48421?
Per MLS# 20261036678, this listing accepts Cash, Conventional, FHA, VA Loan 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 4520 Water Street, Columbiaville, MI 48421?
Per public tax records, annual property taxes for this property are $3,382. 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, 4520 Water Street, Columbiaville, MI 48421 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 4520 Water Street, Columbiaville, MI 48421 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 4520 Water Street, Columbiaville, MI 48421?
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.
What is the crime rate in this area?
For crime and public safety data, we recommend inquiring directly with the Columbiaville Vlg police department or the Lapeer County sheriff's office.
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Monthly payment$6,485
Principal & interest$6,485
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
4520 Water Street, Columbiaville, MI 48421
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Municipality
Columbiaville Village
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