Harbor Point Area
Space and nature
25 homes for sale·Median $425K·Walkability 2.5/10·Schools 4.9/10
The water—that's what stays with you: Spring Lake sits just over a mile away, close enough that waterfront living defines whole blocks here, with boat docks, sandy shorelines, and that particular light you only get near water. The neighborhood spreads across nearly 800 acres in Ferrysburg city, a small Lake Michigan town where Grand Haven's beaches are six minutes away and downtown Grand Rapids takes just under 45 minutes if you need it. Sunnyside Park is a two-minute walk, and there are a dozen parks within a mile—trails, green space, the kind of outdoor access that shapes daily life here. A grocery store or coffee shop is an eight-minute walk; restaurants cluster nearby with 180 within a mile, so you're never far from a meal. The boat launch at Mill Point Park sits less than a mile away, and many homes on these quiet streets back onto Spring Lake itself with docks and water access. Traditional homes on spacious lots give the area a settled, unhurried feel—the kind of place where you can breathe, with West MI Academy of Arts and Academics serving the area.
Why people love it here
Lake life
- Spring Lake within walking distance
- 60 parks within 1 mile
- Sunnyside Park: 2 min walk
- Unnamed bike_path: 5 min walk
1.3 acre avg lots
- 274 homes
$425K median
- 20 sales in last 12mo
Conventional Mortgage Calculator
Median home price in Harbor Point Area
Estimated Monthly Payment
$2,885/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.
20 homes sold in Harbor Point Area this year. Thinking of selling?
See what your home is worthFlood Risk
None
Not in flood zone
Nearest Park
Sunnyside Park
0.1 mi
Parks Nearby
60
within 1 mile
Nearest Lake
Spring Lake
0.5 mi
Median Sale · Houses
$450K
15 sales in last 12mo
Median Sale · Condos
$362K
5 sales in last 12mo
Parks Nearby
60
within 1 mile
Nearest Park
Sunnyside Park
0.1 mi
Based on 8 rated schools nearby
Range: 2/10 to 8/10
School District: West MI Academy of Arts and Academics
Walkability
Limited
Overall walkability score out of 10
Based on actual walk/bike/drive times to nearby amenities via Mapbox
Leppinks
+1 more
Arby's
+1 more
Biggby
+1 more
Stan's Bar
+1 more
Sunnyside Park
+1 more
Unnamed playground
Smith Bayou
+1 more
Lakeside Beach
Poplar Ridge
dog_park
Unnamed bike_path
Mill Point Park Launch
+1 more
gym
Walgreens
Spring Lake District Library
Grand Haven 9
Crime in Harbor Point Area 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 Ottawa County.
Ottawa County crime & safety stats →To buy a median-priced Harbor Point Area home (around $425,000) at today's 6.49% 30-year fixed rate with 20% down, you'd need roughly $75k/year in household income to qualify — an estimated monthly payment of $2,827 (principal, interest, property tax est., and insurance).
| Down payment | Monthly payment | Income needed |
|---|---|---|
| 20% | $2,827/mo | $75,381 |
| 10% (+PMI) | $3,255/mo | $86,787 |
| 5% (+PMI) | $3,398/mo | $90,601 |
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.
Land for sale
Listings
2 parcels
Active / pending
Typical Land Value
$275K/acre
Median asking
Median Price
$725K
Per listing
Who actually lends in Harbor Point Area, and how homes here are financed — from 2024 federal mortgage records.
Loans to buy a home
Most active lenders
Source: 2024 HMDA (CFPB/FFIEC). Neighborhood figures are area-weighted estimates from census-tract data; loan amounts are rounded and all-cash purchases are excluded.
Local Government · area-wide
City of Ferrysburg
Source: ferrysburg.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
~$891/yr in electricity from a typical rooftop solar system
Produces ~6,497 kWh/yr · offsets ~62% of a typical home's use
Municipal / public water
Based on assessor parcel records
Municipal sewer
Based on assessor parcel records
Private hauler (resident-arranged)
No municipal trash noted
Consumers Energy Co · ~13.7¢/kWh
GHBLP serves Ferrysburg per its service area
Confirm by addressServices for Ferrysburg · Source: ferrysburg.org
Utility, solar, and service details for Harbor Point Area 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.
🛒 Grocery(12)
+9 more within 5 miles
🍕 Restaurants(9)
Mia's Village Eats
Restaurant
Fuel Bar + Refuge
Restaurant
Fast Food
+4 more within 5 miles
☕ Coffee(19)
+16 more within 5 miles
🍺 Bars(16)
Stan's Bar
Bar
Two Tonys Italian Kitchen & Wine Bar
Bar
Spring Lake Country Club
Bar
+13 more within 5 miles
🏫 Schools(18)
Holmes School
Elliott School
Ferry School
Central School
Christian Junior High School
School
+13 more within 5 miles
💪 Gyms(3)
🌳 Parks(4)
+1 more within 5 miles
🐕 Dog Parks(5)
Eastern Park Dog Park
Dog Park
Dog Park in Gluecks Sub Area
Dog Park
Dog Park in South Holiday Hills Area
Dog Park
+2 more within 5 miles
🚴 Trails(5)
+2 more within 5 miles
⛵ Boat Launches(7)
Boat Launch
Boat Launch
Boat Launch
+4 more within 5 miles
💊 Pharmacies(4)
+1 more within 5 miles
🏥 Hospitals(1)
Hospital
📚 Libraries(3)
Frequently asked about Harbor Point Area
- What do homes cost in Harbor Point Area?
- The median home value in Harbor Point Area is about $425,000. Individual prices vary by street, size, and condition.
- How active is the Harbor Point Area housing market?
- there are 25 homes for sale in Harbor Point Area right now, and 20 homes sold here in the last 12 months. Listings refresh throughout the day from the MichRIC MLS.
- What schools serve Harbor Point Area?
- Harbor Point Area is served by West MI Academy of Arts and Academics. Its highest-rated assigned school is Grand Haven High School (8/10).
- Is Harbor Point Area walkable?
- Harbor Point Area scores 2.5/10 for walkability — a measure of walking, biking, and driving access to groceries, dining, parks, schools, and transit.
