Sold
5222 South Channel Drive, MI 48028
Sold on 07/01/2026 for$280,000
MLS # 50203553 (MiRealSource)
2 beds1 bathBuilt 19400.33 acres
1 / 32
Listing Description
Welcome to your cozy waterfront retreat on Harsens Island’s sought-after “Gold Coast”! This charming cottage offers front-row seats to the endless parade of international freighters and passing boats along the South Channel—an ever-changing view you’ll never tire of. Enjoy peaceful mornings and stunning sunrises, then wind down with beautiful evening skies right from your spacious porch—perfect for dining, relaxing, and soaking in the waterfront lifestyle. This cottage features updates including plumbing and electrical improvements, a new hot water heater (2021), updated outlets, a generator plug, and Wallside windows installed by the seller for added efficiency and comfort. Situated with a canal behind the home and the river out front, this property offers the best of both worlds, complete with steel seawalls on both the river and canal sides. Enjoy easy access to the water along with incredible wildlife, and take advantage of nearby hunting and outdoor recreation opportunities. Being sold furnished, this turnkey getaway includes all porch furniture, living room couch, and bedroom furnishings—just bring your bags and start enjoying island living right away. Whether you’re looking for a weekend escape or a simple waterfront lifestyle, this “Gold Coast” gem delivers charm, views, and an unbeatable location.
Source: SparkMLS
About this home
Located in Clay Township in Michigan, this property offers 2-bedroom, 1-bath, with original construction dating to 1940.
Final sale price: $280,000.
Electric service is provided by DTE Electric Company; natural gas by SEMCO Energy Gas Company.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms2
Bathrooms1
Lot Size0.33 acres
Year Built1940
Location
MunicipalityClay Twp
Zip Code48028
CountySt. Clair
School DistrictAlgonac
Construction & Systems
ConstructionVinyl Siding
HeatingOther
SewerSeptic Tank
InteriorCeiling Fan(s)
Sale & Financing
Listed4/6/2026
Sold Date6/30/2026
Terms AcceptedCash, Conventional
Source: SparkMLS
Tax Information
Parcel #14-847-0587-000
Source: SparkMLS
Legal Description
SLY 40 FT OF LOT 558 ST CLAIR FLATS, S CHANNEL DEEDED 8/12/57
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 Lucy A Burby
RE/MAX First
Frequently Asked Questions about 5222 South Channel Drive, MI 48028
What school district is 5222 South Channel Drive, MI 48028 in?
Per MLS# 50203553, this property is served by Algonac. In Michigan, school district boundaries are set by the state and do not always follow city limits.
What financing options are available for 5222 South Channel Drive, MI 48028?
Per MLS# 50203553, the seller has indicated this property accepts the following financing types: Cash, Conventional. Financing acceptance is subject to change — confirm with the listing agent.
Is 5222 South Channel Drive, MI 48028 eligible for USDA financing?
Per USDA boundary maps, this property is located in a USDA-eligible area, which means qualified buyers may be able to finance with 0% down through the USDA Rural Development program. Confirm current eligibility directly with USDA.
What is the FEMA flood zone designation for this property?
Per FEMA's National Flood Hazard Layer, 5222 South Channel Drive, MI 48028 is in flood zone AE (high risk). 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.
Who are the utility providers for this property?
Per Michigan Public Service Commission service territory data: Electric: DTE Electric Company. Gas: SEMCO Energy Gas Company. Sewer: Septic Tank. Confirm service details directly with providers.
How safe is this area?
For crime and public safety data, we recommend inquiring directly with the Clay Twp police department or the St. Clair County sheriff's office.
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Monthly payment$1,913
Principal & interest$1,913
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
5222 South Channel Drive, MI 48028
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Municipality
Clay Township
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