For Sale
7054 Middle Channel Lane, MI 48028
$459,900
MLS # 50205346 (MiRealSource)
2 beds1 bathBuilt 19620.52 acres
1 / 68
Listing Description
Experience premier waterfront living on the highly sought-after Middle Channel of Lake St. Clair. This fully updated, move-in-ready ranch offers 50 feet of direct water frontage, a steel seawall, and unobstructed panoramic views with stunning sunrises and sunsets. Inside, enjoy a bright open-concept layout with updated finishes, a spacious living area, and a beautiful dining and bar space with newer Wallside windows showcasing incredible water views. The kitchen features stainless steel appliances (most included) and flows seamlessly for everyday living and entertaining. Step outside to a large waterfront deck and take full advantage of the boating lifestyle with a private boathouse and dock.
Source: SparkMLS
About this home
This 2-bedroom, 1-bath home built in 1962 sits in Clay Township in Michigan.
Listed at $459,900.
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 Size0.52 acres
Year Built1962
Location
MunicipalityClay Twp
Zip Code48028
CountySt. Clair
School DistrictAlgonac
Construction & Systems
ConstructionVinyl Siding
BasementCrawl Space
Garage1.5 spaces
HeatingForced Air
SewerSeptic Tank
InteriorWet Bar, Ceiling Fan(s)
Sale & Financing
Listed4/23/2026
Original Price$479,900
Terms AcceptedCash, Conventional, FHA, VA Loan
Source: SparkMLS
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 Laura Janski
RE/MAX Advisors
Frequently Asked Questions about 7054 Middle Channel Lane, MI 48028
Which school district serves 7054 Middle Channel Lane, MI 48028?
Per MLS# 50205346, 7054 Middle Channel Lane, MI 48028 is in the Algonac boundaries. School district assignments are determined by property location and may differ from the mailing city. Contact Algonac directly to confirm enrollment eligibility.
What type of financing is accepted for this listing?
Per MLS# 50205346, 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.
Can I use a USDA Rural Development loan for this property?
Per USDA Rural Development boundary data, 7054 Middle Channel Lane, MI 48028 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 7054 Middle Channel Lane, MI 48028 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 7054 Middle Channel Lane, MI 48028?
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.
What is the crime rate in 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$2,983
Principal & interest$2,983
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
7054 Middle Channel Lane, MI 48028
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Municipality
Clay Township
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