Sold
45890 Private Shore Drive, Chesterfield, MI 48047
Sold on 05/08/2026 for$1,300,000
MLS # 20261015752 (Realcomp)
3 beds3 baths3,000 sqftBuilt 20050.18 acres
1 / 49
Listing Description
Experience the best of Michigan waterfront living at 45890 Private Shore Drive, ideally situated on Anchor Bay of Lake Saint Clair with the rare advantage of a private canal at the rear—offering breathtaking lake views and protected boat access.A dramatic two-story foyer welcomes you with soaring ceilings and an elegant staircase. A private office off the entry provides a quiet workspace, separate from the main living areas. The great room is filled with natural light from floor-to-ceiling windows showcasing panoramic lake views and stunning sunrises, complemented by hardwood floors and a gas fireplace.The fully updated kitchen is designed for entertaining, featuring quartz countertops, custom cabinetry, designer backsplash, a large island, and premium appliances including a Wolf 8-burner range and Sub-Zero refrigerator.Upstairs, the lakeside primary suite offers incredible water views, a private balcony, and a completely remodeled ensuite (2026) with an oversized glass shower, freestanding soaking tub, dual vanities, and a spacious walk-in closet. Two additional bedrooms and a large bonus/lounge room above the garage provide flexible living space.The 3-car garage features epoxy flooring for a clean, finished look.Included with the property is 45889 Private Shore Drive, a rare boathouse residence on the canal featuring a 1-bedroom apartment, 1-car garage, covered boat hoist, and new dock.A true dual-frontage property offering both open lake living and safe canal docking—this is the complete Lake Saint Clair lifestyle.
Source: SparkMLS
About this home
3-bedroom, 3-bath, 3,000 sq ft home in Chesterfield Township in Chesterfield built in 2005.
This home sold for $1,300,000 (about $433/sq ft).
Property tax estimate: $11,634 per year ($970/month). Tax figure is from the MLS listing record; verify with the county treasurer for the most current amount.
Natural gas service is provided by Consumers Energy Company.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms3
Bathrooms3
Living Area3,000 sqft
Lot Size0.18 acres
Year Built2005
Stories2
Location
CityChesterfield
MunicipalityChesterfield Twp
Zip Code48047
CountyMacomb
Construction & Systems
ConstructionBrick
BasementCrawl Space
Garage3 spaces
HeatingForced Air
WaterPublic
SewerPublic
Sale & Financing
Listed4/1/2026
Sold Date5/7/2026
Terms AcceptedCash, Conventional, FHA, VA Loan
HOA
HOA Fee$120 / Annually
Source: SparkMLS
Tax Information
Annual Tax$11,634
State Equalized Value$374,700
Taxable Value$343,390
Parcel #09-33-302-006
Source: Public Records
Legal Description
ANCHOR BAY SHORES LOT 203
Property Records
FEMA Flood Zone: Zone AE — 100-year floodplain
Flood insurance required for federally backed mortgages
Source: FEMA NFHLUSDA Rural Development: Not Eligible
Verify eligibility at USDAListed by Steven Edward
@properties Christie's Int'l RE Grosse Pointe
Frequently Asked Questions about 45890 Private Shore Drive, Chesterfield, MI 48047
Can I use FHA or VA financing for this property?
Per MLS# 20261015752, 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 45890 Private Shore Drive, Chesterfield, MI 48047?
Per public tax records, annual property taxes for this property are $11,634. 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, 45890 Private Shore Drive, Chesterfield, MI 48047 is not in an eligible area. USDA eligibility is based on property location — properties within designated urban zones are excluded. Other low-down-payment options (FHA, VA) may still be available.
Is 45890 Private Shore Drive, Chesterfield, MI 48047 in a flood zone?
Per FEMA flood maps, this property is designated as Zone AE, a high-risk flood area. 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.
What utilities serve 45890 Private Shore Drive, Chesterfield, MI 48047?
Per Michigan Public Service Commission service territory data: 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 source. Macomb County is served by CLEMIS (Courts and Law Enforcement Management Information System), which provides public safety data for Southeast Michigan law enforcement agencies.
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Mortgage Calculator
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Monthly payment$8,766
Principal & interest$8,756
HOA$10
Estimate only. Does not include PMI or other fees. Consult a lender for exact rates.
Utilities
Consumers Energy Company
Investor-Owned
MI Public Service Commission service territory boundaries.
Property
45890 Private Shore Drive, Chesterfield, MI 48047
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Municipality
Chesterfield Township
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County
Macomb County
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