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Atlas — Grand Rapids Real Estate

A hyper-local geographic knowledge system for Greater Grand Rapids. Fall in love with a place, then find a home there.

The flagship city of Neighborhood Atlas.

2279 New Town Dr, Grand Rapids, MI 49525
(616) 308-7946 · support@grandrapids.realestate

Operated by Grand Rapids Real Estate Co., a sub-brokerage of AARE · Licensed broker: Jon Hazeltine, Michigan license #6502432782

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© 2026 Grand Rapids Real Estate Co.. All rights reserved. · Equal Housing Opportunity

IDX data provided by MichRIC MLS · @grandrapidsrealestateco

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Home/Neighborhoods/Lake County/Oxbow Shores
Subdivision

Oxbow Shores

Solid value in a growing area

Published by Atlas — Grand Rapids Real Estate · data computed by Atlas · reviewed under Jon Hazeltine, Broker Associate (MI #6502432782)

Median $268K·Schools 3.7/10

🌳Top 22% park access

Early morning here is when you notice it most—when the light hits the water and the wooded lots still feel like your own quiet corner of things. The area sits right on the edge of Lake Michigan, close enough that you're living with water as part of the daily rhythm, not just a weekend destination. A short walk gets you to the Manistee National Forest, where trails wind through the kind of quiet that makes sense when you're surrounded by trees and old shoreline. It's the kind of place where a cabin on a half-acre with lake access feels less like a luxury and more like the whole point—room to breathe, a deck that faces the water, a no-wake lake nearby where fishing and kayaking happen without the noise. The homes here tend toward character over flash: chalets with lofts, cottages with sandy beach access, places built to last and meant for actual living, not showing off.

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Why people love it here

💰Home Values

$268K median

  • 4 sales in last 12mo

Conventional Mortgage Calculator

Median home price in Oxbow Shores

Estimated Monthly Payment

$1,816/mo

$
$53,500
20%
%
Principal & Interest $1,38876%
Property Tax (est.)
$
18%
Insurance (est.)
$
5%

Property tax and insurance are estimates you can edit — not a quote. Tap either figure to enter your own.

Get Pre-Approved with Guild Mortgage
Jon Hazeltine

Guild Mortgage

Loan officer: Jon Hazeltine · NMLS #2574218

Company NMLS #3274 · Licensed in MI

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 Oxbow Shores this year. Thinking of selling?

See what your home is worth
3.7
/10 avg
Below average schools

Based on 3 rated schools nearby

Range: 3/10 to 4/10

School District: Baldwin Community Schools

4Baldwin Elementary SchoolElementary · PK-05 · 224 students · 12:1 · 6.9 mi
4Baldwin Senior High SchoolHigh · 09-12 · 119 students · 10:1 · 6.9 mi
3Baldwin Junior High SchoolMiddle · 06-08 · 99 students · 10:1 · 6.9 mi

To buy a median-priced Oxbow Shores home (around $267,500) at today's 6.65% 30-year fixed rate with 20% down, you'd need roughly $48k/year in household income to qualify — an estimated monthly payment of $1,802 (principal, interest, property tax est., and insurance).

Down paymentMonthly paymentIncome needed
20% $1,802/mo$48,048
10% (+PMI)$2,074/mo$55,302
5% (+PMI)$2,165/mo$57,741

Estimates use a 6.65% 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.

Full Oxbow Shores cost-of-living breakdown →

Homeowners Association

Oxbow Shores Property Owners Association

Source: oxbowshorespoa.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.

Flood Risk

None

Not in flood zone

Nearest Park

Reed Lake Boating Access Site

0.7 mi

Parks Nearby

5

within 1 mile

🌳 Parks(3)

Reed Lake Boating Access Site

0.7 mimap

Lake Township Park

1.8 mimap

Big Star Lake Public Access

2.3 mimap
GR

Atlas — Grand Rapids Real Estate

Local real estate specialists

Questions about Oxbow Shores? Our team can help with availability, schools, and what it's really like to live here.

Call

Frequently asked about Oxbow Shores

What do homes cost in Oxbow Shores?
The median home value in Oxbow Shores is about $267,500. Individual prices vary by street, size, and condition.
How active is the Oxbow Shores housing market?
there are 3 homes for sale in Oxbow Shores right now, and 4 homes sold here in the last 12 months. Listings refresh throughout the day from the MichRIC MLS.
What schools serve Oxbow Shores?
Oxbow Shores is served by Baldwin Community Schools. Its highest-rated assigned school is Baldwin Elementary School (4/10).

Top contributors in Oxbow Shores

Detailed statistics are being computed for this location. Demographics, home values, schools, flood risk, and more will appear here automatically.

GR

Atlas — Grand Rapids Real Estate

Local real estate specialists

Questions about Oxbow Shores? Our team can help.

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Conventional Mortgage Calculator

Median in Oxbow Shores

Estimated Monthly Payment

$1,816/mo

$
$53,500
20%
%
Principal & Interest $1,38876%
Property Tax (est.)
$
18%
Insurance (est.)
$
5%

Property tax and insurance are estimates you can edit — not a quote. Tap either figure to enter your own.

Get Pre-Approved with Guild Mortgage
Jon Hazeltine

Guild Mortgage

Loan officer: Jon Hazeltine · NMLS #2574218

Company NMLS #3274 · Licensed in MI

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.

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