Sold
48218 Harbor Drive, Chesterfield, MI 48047
Sold on 05/26/2026 for$775,000
MLS # 20261023419 (Realcomp)
3 beds2 baths1,795 sqftBuilt 19640.44 acres
1 / 57
Listing Description
Stunning fully updated all-brick ranch offering the best of waterfront living with both lakefront and canal frontage! This move-in-ready home features 3 spacious bedrooms and 2 full baths, beautifully renovated with modern finishes throughout, the updated kitchen boasts stainless steel appliances, with a gorgeous island with granite counter-tops, plus a walk-in-pantry! Both bathrooms have been tastefully remodeled. Enjoy fresh paint, a new roof (2024) and a seamless blend of ceramic tile and hardwood flooring. A cozy gas fireplace enhances the main living/dining area, creating a warm and inviting space. Situated on two separate lots, this property offers exceptional outdoor and functional space, including an attached garage plus a separate two car detached garage on the canal side lot, perfect for storage, hobbies, or additional vehicles. The steel seawall provides peace of mind, while the deck and stamped concrete patio offer ideal spots for relaxing or entertaining with beautiful water views, or stoke up a fire in your fire-pit near the water. A rare opportunity to own a versatile fully updated waterfront property with both lake and canal access! A truly unique and one-of-a-kind property with two parcel numbers and two addresses. Your boat is protected with the canal-side location!
Source: SparkMLS
About this home
Located in Chesterfield Township in Chesterfield, this property offers 3-bedroom, 2-bath, 1,795 sq ft, with original construction dating to 1964.
This home sold for $775,000 (about $432/sq ft).
Annual property taxes run approximately $8,505 ($709/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
Bedrooms3
Bathrooms2
Living Area1,795 sqft
Lot Size0.44 acres
Year Built1964
Stories1
Location
CityChesterfield
MunicipalityChesterfield Twp
Zip Code48047
CountyMacomb
School DistrictAnchor Bay
Construction & Systems
ConstructionBrick
BasementCrawl Space
Garage4 spaces
HeatingForced Air
Sale & Financing
Listed4/7/2026
Sold Date5/25/2026
Terms AcceptedCash, Conventional, FHA, VA Loan
HOA
HOA Fee$400 / Annually
Source: SparkMLS
Tax Information
Annual Tax$8,505
State Equalized Value$274,900
Taxable Value$227,865
Parcel #09-28-278-010
Source: Public Records
Legal Description
ANCHOR BAY HARBOR LOT 58
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 Linda DeForest
KW Platinum
Frequently Asked Questions about 48218 Harbor Drive, Chesterfield, MI 48047
Which school district serves 48218 Harbor Drive, Chesterfield, MI 48047?
Per MLS# 20261023419, 48218 Harbor Drive, Chesterfield, MI 48047 is in the Anchor Bay boundaries. School district assignments are determined by property location and may differ from the mailing city. Contact Anchor Bay directly to confirm enrollment eligibility.
Can I use FHA or VA financing for this property?
Per MLS# 20261023419, 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 48218 Harbor Drive, Chesterfield, MI 48047?
Per public tax records, annual property taxes for this property are $8,505. 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, 48218 Harbor 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 48218 Harbor 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 48218 Harbor Drive, Chesterfield, MI 48047?
Per Michigan Public Service Commission service territory data: Electric: DTE Electric Company. Gas: SEMCO Energy Gas Company. 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$5,221
Principal & interest$5,188
HOA$33
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
48218 Harbor Drive, Chesterfield, MI 48047
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Municipality
Chesterfield Township
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County
Macomb County
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