Oxbow Shores
Solid value in a growing area
Median $195K·Schools 3.7/10
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.
Why people love it here
$195K median
- 3 sales in last 12mo
Mortgage Calculator
Median home price in Oxbow Shores
Estimated Monthly Payment
$1,324/mo
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. This is not a commitment to lend or an offer of credit. Your actual rate, payment, and costs may vary. Contact a loan officer for a personalized quote.
Guild Mortgage NMLS #3274. Equal Housing Lender. NMLS Consumer Access
3 homes sold in Oxbow Shores this year. Thinking of selling?
See what your home is worthBased on 3 rated schools nearby
Range: 3/10 to 4/10
School District: Baldwin Community Schools
Crime in Oxbow Shores 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 Oxbow Shores home (around $195,000) at today's 6.43% 30-year fixed rate with 20% down, you'd need roughly $34k/year in household income to qualify — an estimated monthly payment of $1,291 (principal, interest, property tax est., and insurance).
| Down payment | Monthly payment | Income needed |
|---|---|---|
| 20% | $1,291/mo | $34,423 |
| 10% (+PMI) | $1,486/mo | $39,636 |
| 5% (+PMI) | $1,552/mo | $41,375 |
Estimates use a 6.43% 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 an APR or a commitment to lend — your actual rate and payment will vary.
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
Frequently asked about Oxbow Shores
- What do homes cost in Oxbow Shores?
- The median home value in Oxbow Shores is about $195,000. Individual prices vary by street, size, and condition.
- How active is the Oxbow Shores housing market?
- there are 4 homes for sale in Oxbow Shores right now, and 3 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
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