Orchard Lake
Surrounded by nature
Median $268K·Walkability 3.0/10·Schools 3.7/10
What surprises people out here is that you're genuinely waterfront living—sandy beach, dock access, the whole thing—without the resort-town chaos. The lakes themselves are no-wake, which means the water stays calm enough for kayaking or fishing without speedboats turning it into a fairground. Wooded lots slope down to the shoreline, and the air carries that particular quiet you only get when development stops at the water's edge. Year-round homes sit alongside seasonal cottages, all of them with the kind of porch views that make you understand why people stay put through the winters.
Why people love it here
Lake life
- Orchard Lake within walking distance
- 5 parks within 1 mile
- Orchard Lake: 1 min walk
- Shonenya Lake: 10 min bike
$268K median
- 4 sales in last 12mo
Lake facts
MI DNRConventional Mortgage Calculator
Median home price in Orchard Lake
Estimated Monthly Payment
$1,816/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 Orchard Lake this year. Thinking of selling?
See what your home is worthFlood Risk
None
Not in flood zone
Nearest Park
Reed Lake Boating Access Site
0.7 mi
Parks Nearby
5
within 1 mile
Based on 3 rated schools nearby
Range: 3/10 to 4/10
School District: Baldwin Community Schools
Walkability
Limited
Overall walkability score out of 10
Based on actual walk/bike/drive times to nearby amenities via Mapbox
Orchard Lake
+1 more
Crime in Orchard Lake 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 Orchard Lake home (around $267,500) at today's 6.49% 30-year fixed rate with 20% down, you'd need roughly $47k/year in household income to qualify — an estimated monthly payment of $1,779 (principal, interest, property tax est., and insurance).
| Down payment | Monthly payment | Income needed |
|---|---|---|
| 20% | $1,779/mo | $47,446 |
| 10% (+PMI) | $2,048/mo | $54,625 |
| 5% (+PMI) | $2,138/mo | $57,026 |
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.
Solar potential
~$894/yr in electricity from a typical rooftop solar system
Produces ~6,258 kWh/yr · offsets ~60% of a typical home's use
Utility, solar, and service details for Orchard 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.
Frequently asked about Orchard Lake
- What do homes cost in Orchard Lake?
- The median home value in Orchard Lake is about $267,500. Individual prices vary by street, size, and condition.
- How active is the Orchard Lake housing market?
- there are 3 homes for sale in Orchard Lake right now, and 4 homes sold here in the last 12 months. Listings refresh throughout the day from the MichRIC MLS.
- What schools serve Orchard Lake?
- Orchard Lake is served by Baldwin Community Schools. Its highest-rated assigned school is Baldwin Elementary School (4/10).
- Is Orchard Lake walkable?
- Orchard Lake scores 3.0/10 for walkability — a measure of walking, biking, and driving access to groceries, dining, parks, schools, and transit.
Top contributors in Orchard Lake
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