Big Spec Lake
Surrounded by nature
Median $225K·Walkability 3.3/10·Schools 5.5/10
This 384-acre lake in Allegan County offers waterfront living with generous lot sizes averaging over half an acre, providing plenty of space and privacy for residents. The expansive lake creates opportunities for boating, fishing, and water recreation, while the larger parcels allow for custom homes with room to breathe.
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Why people love it here
Lake life
- Big Spec Lake within walking distance
- Big Spec Lake: 0 min walk
- Little Spec Lake: 7 min bike
$225K median
- 1 recent sale
Lake facts
MI DNRDepth, fish species, and motor restrictions sourced from MI DNR — coming soon.
Conventional Mortgage Calculator
Median home price in Big Spec Lake
Estimated Monthly Payment
$1,527/mo
Property tax and insurance are estimates you can edit — not a quote. Tap either figure to enter your own.
The interest rate shown is not an annual percentage rate (APR). Rate displayed is the current average 30-year fixed rate from the Freddie Mac Primary Mortgage Market Survey and is subject to change without notice. Your actual rate, payment, and costs may vary. Contact a loan officer for a personalized quote.
Guild Mortgage NMLS #3274. Equal Housing Opportunity. NMLS Consumer Access. Not a commitment to lend. All loans subject to underwriter approval; terms and conditions may apply. Subject to change without notice. Always consult an accountant or tax advisor for full eligibility requirements on tax deduction.
Flood Risk
None
Not in flood zone
Nearest Park
Dumont Lake County Park
1.8 mi
Parks Nearby
0
within 1 mile
Based on 4 rated schools nearby
Range: 5/10 to 6/10
School District: Allegan Public Schools
Walkability
Limited
Overall walkability score out of 10
Based on actual walk/bike/drive times to nearby amenities via Mapbox
Dumont Lake County Park
Dumont Lake County Park Playground
Big Spec Lake
+1 more
Dumont Lake County Park Beach
Old Regent Theatre
Crime in Big Spec Lake is reported at the city level, not the neighborhood level. The FBI doesn't publish reliable crime rates for individual neighborhoods, and within any community crime varies street to street. For an accurate, comparable picture, see the jurisdiction-wide figures for Allegan County.
Allegan County crime & safety stats →To buy a median-priced Big Spec Lake home (around $224,900) at today's 6.95% 30-year fixed rate with 20% down, you'd need roughly $41k/year in household income to qualify — an estimated monthly payment of $1,551 (principal, interest, property tax est., and insurance).
| Down payment | Monthly payment | Income needed |
|---|---|---|
| 20% | $1,551/mo | $41,355 |
| 10% (+PMI) | $1,784/mo | $47,574 |
| 5% (+PMI) | $1,863/mo | $49,684 |
Estimates use a 6.95% 30-year fixed rate (current Freddie Mac average), an aggressive ~45% housing-to-income ratio (roughly what FHA underwriting can allow for a buyer with no other monthly debts — your number depends on your debts and credit), this area's median sale price, plus estimated insurance and PMI below 20% down. Not a commitment to lend, and not an APR — your actual rate and payment will vary.
Association and local-government details are compiled from public records, municipal sites, and state registries, and can change. Confirm directly with the association or municipality before relying on them.
Solar potential
~$896/yr in electricity from a typical rooftop solar system
Produces ~6,271 kWh/yr · offsets ~60% of a typical home's use
Private well
Rural township; individual wells.
Septic - individual
Individual septic systems.
Resident-arranged hauler
Curbside trash resident-arranged (e.g. Republic, Waste Management).
Consumers Energy Co|Great Lakes Energy Coop · ~14.3¢/kWh
Standard provider; pockets Great Lakes Energy.
Confirm by addressLocal/area fire department (mutual aid)
Rural township fire coverage via township or neighboring department.
Services for Monterey Township · Source: montereytownship.org
Utility, solar, and service details for Big Spec Lake are compiled from public records, municipal sites, and NREL / U.S. data.gov, and can change. Electric/gas can vary by address — confirm with the provider before relying on them.
Atlas — Grand Rapids Real Estate
Local real estate specialists
Questions about Big Spec Lake? Our team can help with availability, schools, and what it's really like to live here.
Frequently asked about Big Spec Lake
- What do homes cost in Big Spec Lake?
- The median home value in Big Spec Lake is about $224,900. Individual prices vary by street, size, and condition.
- How active is the Big Spec Lake housing market?
- no homes are listed in Big Spec Lake right now, and 1 home sold here in the last 12 months. Listings refresh throughout the day from the MichRIC MLS.
- What schools serve Big Spec Lake?
- Big Spec Lake is served by Allegan Public Schools. Its highest-rated assigned school is Dawson Elementary School (6/10).
- Is Big Spec Lake walkable?
- Big Spec Lake scores 3.3/10 for walkability — a measure of walking, biking, and driving access to groceries, dining, parks, schools, and transit.
Top contributors in Big Spec Lake
Detailed statistics are being computed for this location. Demographics, home values, schools, flood risk, and more will appear here automatically.