Keating'S Pine Acres
Solid value in a growing area
Median $319K
Early morning is when this stretch really sings—mist rolling off Lake Michigan just a tenth of a mile away, light filtering through the pines before the day gets loud. The subdivision sits in rural Lake County, where sandy lakefront and wooded acreage define the rhythm of living out here, and the Manistee National Forest spreads right across the road, accessible by a quick walk for anyone looking to disappear into the trees. When you need to eat, the nearest restaurant sits about three miles down the way, which means you're far enough removed from strip malls and chain noise to feel genuinely remote, yet close enough that a short drive gets you fed. This is the kind of place where a half-acre lot with deep lake access and a dock makes sense, where gas fireplaces and open floor plans face the water, and where an all-sports lake becomes the real center of your seasonal rhythm.
Why people love it here
$319K median
- Based on 3yr sales
Conventional Mortgage Calculator
Median home price in Keating'S Pine Acres
Estimated Monthly Payment
$2,164/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.
Crime in Keating'S Pine Acres 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 Lake County.
Lake County crime & safety stats →To buy a median-priced Keating'S Pine Acres home (around $318,750) at today's 6.66% 30-year fixed rate with 20% down, you'd need roughly $57k/year in household income to qualify — an estimated monthly payment of $2,149 (principal, interest, property tax est., and insurance).
| Down payment | Monthly payment | Income needed |
|---|---|---|
| 20% | $2,149/mo | $57,299 |
| 10% (+PMI) | $2,473/mo | $65,948 |
| 5% (+PMI) | $2,582/mo | $68,857 |
Estimates use a 6.66% 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.
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Frequently asked about Keating'S Pine Acres
- What do homes cost in Keating'S Pine Acres?
- The median home value in Keating'S Pine Acres is about $318,750. Individual prices vary by street, size, and condition.
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