Bills Lake
Surrounded by nature
Median $510K·Walkability 4.1/10·Schools 5.3/10
This lakefront community centers around the pristine waters of Bills Lake, an all-sports lake known for its crystal-clear depths and sandy shoreline. Located just 40 minutes from Grand Rapids, the area offers a true lake lifestyle with properties featuring significant water frontage and larger lot sizes averaging about one-third of an acre. The 90-foot-deep lake provides excellent conditions for boating, swimming, and water sports, while the sandy beaches create perfect spots for relaxation and family gatherings.
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Why people love it here
Lake life
- Bills Lake within walking distance
- 5 parks within 1 mile
- Bills Lake: 0 min walk
- Bills Lake Public Access: 9 min bike
$510K median
- 2 recent sales
Lake facts
MI DNRConventional Mortgage Calculator
Median home price in Bills Lake
Estimated Monthly Payment
$3,464/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
Bills Lake Public Access
0.4 mi
Parks Nearby
5
within 1 mile
Walkability
Fair
Overall walkability score out of 10
Based on actual walk/bike/drive times to nearby amenities via Mapbox
Bills Lake Public Access
Bills Lake
Beach in Village Of Croton Area
North Country National Scenic Trail
Based on 3 rated schools nearby
Range: 4/10 to 6/10
School District: Tri County Area Schools
To buy a median-priced Bills Lake home (around $510,286) at today's 6.67% 30-year fixed rate with 20% down, you'd need roughly $92k/year in household income to qualify — an estimated monthly payment of $3,443 (principal, interest, property tax est., and insurance).
| Down payment | Monthly payment | Income needed |
|---|---|---|
| 20% | $3,443/mo | $91,801 |
| 10% (+PMI) | $3,962/mo | $105,658 |
| 5% (+PMI) | $4,137/mo | $110,318 |
Estimates use a 6.67% 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.
Local Government · area-wide
Croton Township
Source: crotontownship.org · unconfirmed
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
~$920/yr in electricity from a typical rooftop solar system
Produces ~6,438 kWh/yr · offsets ~61% of a typical home's use
Private well
Rural township; private wells typical.
Septic - individual
Rural township; individual septic typical (lakefront areas may have shared systems).
Resident-arranged private hauler
Residents arrange private trash haulers.
Consumers Energy Co|Great Lakes Energy Coop · ~14.3¢/kWh
Regional IOU; Croton Dam (hydro) is a Consumers facility.
Confirm by addressPropane / LP (no piped gas)
Rural township; likely propane.
Confirm by addressServices for Croton Township · Source: crotontownship.org
Utility, solar, and service details for Bills 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 Bills Lake? Our team can help with availability, schools, and what it's really like to live here.
Frequently asked about Bills Lake
- What do homes cost in Bills Lake?
- The median home value in Bills Lake is about $510,286. Individual prices vary by street, size, and condition.
- How active is the Bills Lake housing market?
- there are 3 homes for sale in Bills Lake right now, and 2 homes sold here in the last 12 months. Listings refresh throughout the day from the MichRIC MLS.
- What schools serve Bills Lake?
- Bills Lake is served by Tri County Area Schools. Its highest-rated assigned school is Tri County Senior High School (6/10).
- Is Bills Lake walkable?
- Bills Lake scores 4.1/10 for walkability — a measure of walking, biking, and driving access to groceries, dining, parks, schools, and transit.
Top contributors in Bills Lake
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