N Shore Dr & S Pine Grove Rd Area
Surrounded by nature
2 homes for sale·Median $315K·Walkability 2.4/10·Schools 4.5/10
The water is everywhere out here—Crystal Lake sprawls across 724 acres right at your doorstep, and whether you're drawn to sandy beaches, seawall lots, or quiet creek-backed properties, lakefront living feels like the whole point of this stretch. Year-round homes and seasonal cottages dot the shoreline, many recently updated with open floor plans and serious lake access; a few sit just steps from the water with private docks or membership access to shared facilities. The neighborhood hugs both sides of the lake, so you get everything from prime waterfront parcels to back-lot possibilities for outbuildings—the kind of room that makes sense when you're thinking about boats, gardens, and real breathing space. Groceries are steps away, and Crystal Lake Public Access sits right adjacent, anchoring what feels like a genuine lake community rather than a scattered development. This is the kind of place where "getting away" doesn't mean driving far.
Why people love it here
Lake life
- Crystal Lake within walking distance
- 5 parks within 1 mile
- Crystal Lake Public Access: 4 min walk
- Mud Lake: 5 min bike
$315K median
- 4 sales in last 12mo
Conventional Mortgage Calculator
Median home price in N Shore Dr & S Pine Grove Rd Area
Estimated Monthly Payment
$2,138/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.
4 homes sold in N Shore Dr & S Pine Grove Rd Area this year. Thinking of selling?
See what your home is worthFlood Risk
None
Not in flood zone
Nearest Park
Crystal Lake Public Access
0.3 mi
Parks Nearby
5
within 1 mile
Nearest Lake
Crystal Lake
0.0 mi
Based on 2 rated schools nearby
Range: 4/10 to 5/10
School District: Carson City-Crystal Area Schools
Walkability
Limited
Overall walkability score out of 10
Based on actual walk/bike/drive times to nearby amenities via Mapbox
Blanchard's Thriftway
Crystal Lake Public Access
Playground on Vernier Rd
Mud Lake
+1 more
Dog Park on Vernier Rd
Crystal Box Office Theater
Crime in N Shore Dr & S Pine Grove Rd 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 Montcalm County.
Montcalm County crime & safety stats →To buy a median-priced N Shore Dr & S Pine Grove Rd Area home (around $315,000) at today's 6.49% 30-year fixed rate with 20% down, you'd need roughly $56k/year in household income to qualify — an estimated monthly payment of $2,095 (principal, interest, property tax est., and insurance).
| Down payment | Monthly payment | Income needed |
|---|---|---|
| 20% | $2,095/mo | $55,871 |
| 10% (+PMI) | $2,412/mo | $64,325 |
| 5% (+PMI) | $2,518/mo | $67,152 |
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
1 parcel
Active / pending
Median Price
$28K
Per listing
Solar potential
~$872/yr in electricity from a typical rooftop solar system
Produces ~6,404 kWh/yr · offsets ~61% of a typical home's use
Utility, solar, and service details for N Shore Dr & S Pine Grove Rd 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.
Frequently asked about N Shore Dr & S Pine Grove Rd Area
- What do homes cost in N Shore Dr & S Pine Grove Rd Area?
- The median home value in N Shore Dr & S Pine Grove Rd Area is about $315,000. Individual prices vary by street, size, and condition.
- How active is the N Shore Dr & S Pine Grove Rd Area housing market?
- there are 2 homes for sale in N Shore Dr & S Pine Grove Rd Area right now, and 4 homes sold here in the last 12 months. Listings refresh throughout the day from the MichRIC MLS.
- What schools serve N Shore Dr & S Pine Grove Rd Area?
- N Shore Dr & S Pine Grove Rd Area is served by Carson City-Crystal Area Schools. Its highest-rated assigned school is Central Montcalm Middle High School (5/10).
- Is N Shore Dr & S Pine Grove Rd Area walkable?
- N Shore Dr & S Pine Grove Rd Area scores 2.4/10 for walkability — a measure of walking, biking, and driving access to groceries, dining, parks, schools, and transit.