For Sale
5884 Rays Drive, Onsted, MI 49265
$475,000
MLS # 26012510 (Michigan Regional Information Center (MichRIC))
3 beds2 baths1,480 sqftBuilt 19600.89 acres
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Listing Description
Move in now and make the most of summer, then stay to experience the breathtaking fall colors on beautiful, all-sports Sand Lake in the heart of the Irish Hills. Enjoy true lakefront living from the spacious upper-level screened porch, offering stunning, unobstructed views of the water--perfect for morning coffee or evening relaxation. This charming 3-bedroom, 2-bath cottage features a full walkout lower level and sits on approximately 70 feet of prime waterfront. Whether you're watching wildlife, diving into a good book, or spending the day on the lake, this property delivers the peaceful retreat you've been looking for. Step outside to your private dock and embrace everything lake life has to offer. A detached 2-car garage provides ample storage for all your water toys and outdoor gear. Many new updates including new roof, gutters, both bathrooms and flooring.
Source: SparkMLS
About this home
Located in Cambridge Township in Onsted, this property offers 3-bedroom, 2-bath, 1,480 sq ft, with original construction dating to 1960.
Listed at $475,000 (about $321/sq ft).
Estimated annual property tax: $5,675, or about $473 monthly. Tax figure is from the MLS listing record; verify with the county treasurer for the most current amount.
Electric service is provided by Consumers Energy Company.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms3
Bathrooms2
Living Area1,480 sqft
Lot Size0.89 acres
Year Built1960
Stories2
Location
CityOnsted
MunicipalityCambridge Twp
Zip Code49265
CountyLenawee
School DistrictOnsted
Construction & Systems
StyleTraditional
ConstructionVinyl Siding
BasementFull, Walk-Out Access
Garage2 spaces
HeatingForced Air
WaterWell
SewerPublic
InteriorCeiling Fan(s), Eat-in Kitchen
Sale & Financing
Listed4/2/2026
Terms AcceptedCash, FHA, VA Loan, Conventional
Source: SparkMLS
Tax Information
Annual Tax$5,675
Tax Year2025
Assessed Value$196,302
Parcel #CA0-715-0520-01
Source: SparkMLS
Legal Description
LOT 52 ALSO THAT PART OF OUTLOT 'A' LYING ADJACENT TO S'LY LI OF LOT 52 BEING BD BY E'LY AND W'LY LINES OF LOT 52 EXTENDED S'LY TO WATER'S EDGE OF SAND LAKE - SUPERVISOR'S PLAT NO 3. EXC BEG AT THE SW COR OF LOT 53 OF SUPERVISORS PLAT NO 3 TH SELY AL G THE EXTENSION OF THE W LN OF LOT 53 TO THE WATERS EDGE OF SAND LAND TH SWLY ALG THE WATERS EDGE OF SAND LAKE 10 FT TH NLY TO BEG. BOUNDARY ADJUSTME
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 Beau La Fleur
@properties Christie's Int'lAA
Frequently Asked Questions about 5884 Rays Drive, Onsted, MI 49265
What school district is 5884 Rays Drive, Onsted, MI 49265 in?
Per MLS# 26012510, this property is served by Onsted. In Michigan, school district boundaries are set by the state and do not always follow city limits.
What type of financing is accepted for this listing?
Per MLS# 26012510, the seller has indicated this property accepts the following financing types: Cash, FHA, VA Loan, Conventional. FHA financing can offer lower down payment requirements for qualified buyers. Financing acceptance is subject to change — confirm with the listing agent.
How much are property taxes for this home?
Per MLS# 26012510, the most recent reported annual property tax for 5884 Rays Drive, Onsted, MI 49265 is $5,675 (2025). 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.
Is 5884 Rays Drive, Onsted, MI 49265 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, 5884 Rays Drive, Onsted, MI 49265 is in flood zone X (minimal risk). 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.
Who are the utility providers for this property?
Per Michigan Public Service Commission service territory data: Electric: Consumers Energy Company. Gas: Consumers Energy Company. Sewer: Public. Water: Well. Confirm service details directly with providers.
How safe is this area?
For crime and public safety data, we recommend inquiring directly with the Cambridge Twp police department or the Lenawee County sheriff's office.
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BETAMulti-Year Tax History
View SEV, Taxable Value, and uncapping difference for this parcel — Lenawee County public records.
Mortgage Calculator
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Monthly payment$3,081
Principal & interest$3,081
Estimate only. Does not include PMI or other fees. Consult a lender for exact rates.
Utilities
Consumers Energy Company
Investor-Owned
Consumers Energy Company
Investor-Owned
MI Public Service Commission service territory boundaries.
Property
5884 Rays Drive, Onsted, MI 49265
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Municipality
Cambridge Township
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County
Lenawee County
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