Off Market
48481 Harbor Drive, Chesterfield, MI 48047
$309,900
MLS # 20261050928 (Realcomp)
3 beds2 baths1,127 sqftBuilt 19480.03 acres
1 / 4
Listing Description
Welcome to Anchor Bay Harbor This perfectly situated 3-bedroom, 2-bath bungalow retreat is designed for entertaining and nautical play. Nestled directly on the canal, it offers 30ft of impressive seawall / boat access. Enjoy the tranquility of a quiet private drive, surrounded by blue sky and sails. This idyllic setting is perfect for all occasions year round.Alternatively, this home can be transformed into a vacation home or income property. The 1127sq ft bungalow boasts a natural flow layout with an inviting living room that overlooks the dining area and canal. Step outside to the expansive deck, where you can savor morning coffee, unwind, or embark on a jet ski adventure. As the sun sets, gather with friends and create unforgettable memories.Recent updates include a new roof, vinyl siding, gutters, and downspouts completed in 2025. HVAC system installed in 2024. Brand-new carpet in the 1st floor primary bedroom, 2nd floor loft, and bedroom. Freshly laid vinyl plank flooring in the living room. Owners may choose to participate in the Anchor Bay Homeowners Association, which supports the community through road care, snow removal and canal maintenance. BATVAI
Source: SparkMLS
About this home
3-bedroom, 2-bath, 1,127 sq ft home in Chesterfield Township in Chesterfield built in 1948.
Asking $309,900 (about $275/sq ft).
Property tax estimate: $1,060 per year ($88/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 Area1,127 sqft
Lot Size0.03 acres
Year Built1948
Stories2
Location
CityChesterfield
MunicipalityChesterfield Twp
Zip Code48047
CountyMacomb
School DistrictAnchor Bay
Construction & Systems
ConstructionAluminum Siding, Wood Siding
BasementSlab
HeatingForced Air
WaterPublic
SewerPublic
Sale & Financing
Listed7/4/2026
Terms AcceptedCash, Conventional
Source: SparkMLS
Tax Information
Annual Tax$1,060
State Equalized Value$33,600
Taxable Value$28,386
Parcel #09-28-406-004
Source: Public Records
Legal Description
ANCHOR BAY HARBOR LOT 93
Property Records
FEMA Flood Zone: Zone AE — 100-year floodplain
Flood insurance required for federally backed mortgages
Source: FEMA NFHLUSDA Rural Development: Eligible — 0% Down Payment Available
Verify eligibility at USDAListed by Dana Farrell
Farrell & Co Realty Adivsors LLC
Frequently Asked Questions about 48481 Harbor Drive, Chesterfield, MI 48047
Which school district serves 48481 Harbor Drive, Chesterfield, MI 48047?
Per MLS# 20261050928, 48481 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.
What financing options are available for 48481 Harbor Drive, Chesterfield, MI 48047?
Per MLS# 20261050928, this listing accepts Cash, Conventional financing. Financing acceptance is subject to change — confirm with the listing agent.
What are the property taxes at 48481 Harbor Drive, Chesterfield, MI 48047?
Per public tax records, annual property taxes for this property are $1,060. 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, 48481 Harbor Drive, Chesterfield, MI 48047 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 48481 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 48481 Harbor Drive, Chesterfield, MI 48047?
Per Michigan Public Service Commission service territory data: Electric: DTE Electric Company. Gas: SEMCO Energy Gas 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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Monthly payment$2,010
Principal & interest$2,010
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
48481 Harbor Drive, Chesterfield, MI 48047
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Municipality
Chesterfield Township
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County
Macomb County
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