Cozy Point
Space and nature
Median $370K·Walkability 3.6/10·Schools 4.7/10
Why people love it here
Lake life
- Croton Dam Pond within walking distance
- Beach in Village Of Croton Area: 10 min walk
- Croton Dam Pond: 5 min bike
22,216 sq ft avg lots
- 2 homes
$370K median
- 2 recent sales
Conventional Mortgage Calculator
Median home price in Cozy Point
Estimated Monthly Payment
$2,510/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
MK Conklin Park
1.3 mi
Parks Nearby
0
within 1 mile
Nearest Lake
Croton Dam Pond
0.3 mi
Recent Sale Price
$370K
2 recent sales
Parcels / Units
2
Median Lot Size
0.51 ac
0.51 ac – 0.51 ac
Based on 3 rated schools nearby
Range: 4/10 to 5/10
School District: Newaygo Public School District
Walkability
Limited
Overall walkability score out of 10
Based on actual walk/bike/drive times to nearby amenities via Mapbox
Driftwood Bar and Grill
MK Conklin Park
Croton Dam Pond
Beach in Village Of Croton Area
North Country National Scenic Trail
Crime in Cozy Point 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 Newaygo County.
Newaygo County crime & safety stats →To buy a median-priced Cozy Point home (around $369,750) at today's 6.49% 30-year fixed rate with 20% down, you'd need roughly $66k/year in household income to qualify — an estimated monthly payment of $2,459 (principal, interest, property tax est., and insurance).
| Down payment | Monthly payment | Income needed |
|---|---|---|
| 20% | $2,459/mo | $65,582 |
| 10% (+PMI) | $2,831/mo | $75,505 |
| 5% (+PMI) | $2,956/mo | $78,823 |
Estimates use a 6.49% 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.
Homeowners Association
Cozy Point Private Association
Source: redfin.com · unconfirmed
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
~$913/yr in electricity from a typical rooftop solar system
Produces ~6,392 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 · Source: crotontownship.org
Utility, solar, and service details for Cozy Point 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.
Frequently asked about Cozy Point
- What do homes cost in Cozy Point?
- The median home value in Cozy Point is about $369,750. Individual prices vary by street, size, and condition.
- How active is the Cozy Point housing market?
- no homes are listed in Cozy Point right now, and 2 homes sold here in the last 12 months. Listings refresh throughout the day from the MichRIC MLS.
- What schools serve Cozy Point?
- Cozy Point is served by Newaygo Public School District. Its highest-rated assigned school is Newaygo Middle School (5/10).
- Is Cozy Point walkable?
- Cozy Point scores 3.6/10 for walkability — a measure of walking, biking, and driving access to groceries, dining, parks, schools, and transit.