For Sale
642 Swains Lake Drive, Concord, MI 49237
$255,000
MLS # 26007546 (Michigan Regional Information Center (MichRIC))
1 bed1 bath597 sqftBuilt 19460.12 acres
1 / 29
Listing Description
Featured as one of Michigan's Dream Homes in 2023 in The Detroit News, this lakefront Quonset Hut cottage on all-sports Swains Lake is truly unforgettable. Offering 597 sq ft of thoughtfully designed space, this curved-roof retreat blends cozy cottage vibes with distinctive architecture. Ample well lit dry storage, sod yard, and many updates within the last 5 years. Currently operating as a successful Airbnb, this property is truly turn-key--including furnishings and even a paddle boat. The mini-split provides efficient heat and A/C for year-round comfort. Enjoy boating, swimming on your private beach and fishing right from your dock, with a public beach and boat launch access nearby. Whether you're seeking a weekend getaway, investment opportunity, or unique full-time living, this one delivers character, income potential, and classic Michigan lake life. Book your showing today to see all this cottage has to offer!
Source: SparkMLS
About this home
1-bedroom, 1-bath, 597 sq ft home in Pulaski Township in Concord built in 1946.
Listed at $255,000 (about $427/sq ft).
Property tax estimate: $680 per year ($57/month). 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
Bedrooms1
Bathrooms1
Living Area597 sqft
Lot Size0.12 acres
Year Built1946
Stories1
Location
CityConcord
MunicipalityPulaski Twp
Zip Code49237
CountyJackson
School DistrictConcord
Construction & Systems
StyleCabin
ConstructionVinyl Siding
BasementCrawl Space
WaterWell
SewerSeptic Tank
Sale & Financing
Listed3/2/2026
Original Price$260,000
Terms AcceptedCash, FHA, VA Loan, MSHDA, Conventional
Source: SparkMLS
Tax Information
Annual Tax$680
Tax Year2025
State Equalized Value$66,200
Taxable Value$60,829
Assessed Value$60,829
Parcel #061-16-03-301-051-00
Source: Public Records
Legal Description
LOT 51 ASSESSOR'S PLAT OF SWAINS LAKE SPLIT ON 09/04/03 FROM 000-16-03-301-002-04
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 Breanne Speer
RE/MAX Perrett Associates - Marshall
Frequently Asked Questions about 642 Swains Lake Drive, Concord, MI 49237
What school district is 642 Swains Lake Drive, Concord, MI 49237 in?
Per MLS# 26007546, this property is served by Concord. In Michigan, school district boundaries are set by the state and do not always follow city limits.
What financing options are available for 642 Swains Lake Drive, Concord, MI 49237?
Per MLS# 26007546, the seller has indicated this property accepts the following financing types: Cash, FHA, VA Loan, MSHDA, 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# 26007546, the most recent reported annual property tax for 642 Swains Lake Drive, Concord, MI 49237 is $680 (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 642 Swains Lake Drive, Concord, MI 49237 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, 642 Swains Lake Drive, Concord, MI 49237 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: Septic Tank. 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 Pulaski Twp police department or the Jackson County sheriff's office.
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BETATax History
View SEV, Taxable Value, and uncapping difference for this parcel — Jackson County public records.
Mortgage Calculator
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Monthly payment$1,654
Principal & interest$1,654
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
642 Swains Lake Drive, Concord, MI 49237
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Municipality
Pulaski Township
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County
Jackson County
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