Pending
9058 W Chippewa Trail, Shelby, MI 49455
$399,000
MLS # 20261039691 (Realcomp)
3 beds2 baths1,669 sqftBuilt 19910.38 acres
1 / 60
Listing Description
Stop the car! This is the Lake House surrounded by nature you've been waiting to hit the market! Unpack your bags and stay in this fully furnished warm and cozy cottage home year round or for a long weekend. This 3-bedroom (2 upstairs), 2-bathroom solid lake house is a true sanctuary in a quaint community. Situated on two combined lots surrounded by trees in a quiet neighborhood, an overbuilt home offers a bright and airy atmosphere with a wrap-around porch and a 3-season room. - New flooring throughout (2026). - Kitchen and laundry include all appliances. - On-demand hot water tank, newer well pump, A/C HVAC, and a back-up generator. - House roof is approximately 12-15 years old. - Propane is shared and metered. - Garage features a workshop to the right side, left side is built for entertaining. - Garden ShedLocation & Community: - HOA is $175/year and covers beach access, stairs, and road maintenance. - Enjoy 2,000 feet of lake frontage (lake access to Lake Michigan, not direct waterfront). - Close proximity to an lazy river, bike trails, Stony Lake, and sand dunes. - Nearby attractions include Michigan Adventure's, Lewis Farms, and Silver Lake.All contents are included in the sale, excluding cameras, floating shelf hiding in left corner of the garage and personal items. (golf cart being sold separately) BATVI
Source: SparkMLS
About this home
Located in Shelby, this property offers 3-bedroom, 2-bath, 1,669 sq ft, with original construction dating to 1991.
Currently offered at $399,000 (about $239/sq ft).
Annual property taxes run approximately $3,171 ($264/month). Tax figure is from the MLS listing record; verify with the county treasurer for the most current amount.
Electric service is provided by Great Lakes Energy Cooperative.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms3
Bathrooms2
Living Area1,669 sqft
Lot Size0.38 acres
Year Built1991
Stories2
Location
CityShelby
MunicipalityBenona Twp
Zip Code49455
CountyOceana
School DistrictShelby
Construction & Systems
ConstructionVinyl Siding
Garage2 spaces
HeatingForced Air
WaterWell
SewerSeptic Tank
InteriorBasement Finished, Generator
Sale & Financing
Listed6/5/2026
Terms AcceptedCash, Conventional, FHA, Rural Development, VA Loan
HOA
HOA Fee$175 / Annually
IncludesLawn/Yard Care, Snow Removal, Other
Source: SparkMLS
Tax Information
Annual Tax$3,171
Parcel #01141013700
Source: SparkMLS
Legal Description
SEC 31 T14N R18W COBMOOSA SHORES LOT 138 & LOT 137
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 Amy Dunlap
EXP Realty Main
Frequently Asked Questions about 9058 W Chippewa Trail, Shelby, MI 49455
Which school district serves 9058 W Chippewa Trail, Shelby, MI 49455?
Per MLS# 20261039691, 9058 W Chippewa Trail, Shelby, MI 49455 is in the Shelby boundaries. School district assignments are determined by property location and may differ from the mailing city. Contact Shelby directly to confirm enrollment eligibility.
What type of financing is accepted for this listing?
Per MLS# 20261039691, this listing accepts Cash, Conventional, FHA, Rural Development, 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.
What are the property taxes at 9058 W Chippewa Trail, Shelby, MI 49455?
Per public tax records, annual property taxes for this property are $3,171. 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, 9058 W Chippewa Trail, Shelby, MI 49455 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 9058 W Chippewa Trail, Shelby, MI 49455 in a flood zone?
Per FEMA flood maps, this property is designated as Zone X, a minimal-risk flood area. 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.
What utilities serve 9058 W Chippewa Trail, Shelby, MI 49455?
Per Michigan Public Service Commission service territory data: Electric: Great Lakes Energy Cooperative. Sewer: Septic Tank. Water: Well. 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 Benona Twp police department or the Oceana County sheriff's office.
Map
Mortgage Calculator
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Monthly payment$2,603
Principal & interest$2,588
HOA$15
Estimate only. Does not include PMI or other fees. Consult a lender for exact rates.
Utilities
Great Lakes Energy Cooperative
Co-op
MI Public Service Commission service territory boundaries.
Property
9058 W Chippewa Trail, Shelby, MI 49455
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County
Macomb County
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