Payne Forest Sub
Strong schools draw families here
Median $425K·Walkability 0.7/10·Schools 6.1/10
Payne Forest Sub looks like a quiet pocket of suburban Michigan at first—just ten acres of half-acre lots in the Forest Park Sub Area—but its location punches above its weight. You're twelve minutes from the Grand Haven beach and close enough to downtown Grand Rapids (45 minutes) that the city doesn't feel like a separate world. The Grand Haven Area Public Schools serve the subdivision, and there are three parks within a mile, including Hofma Preserve about a thirteen-minute walk away. Groceries and restaurants exist—six grocery stores within two miles, the nearest about a mile and a half off—but this isn't a walkable commercial strip; it's residential land where you get actual space. Homes here run around $509K, which buys you the kind of suburban setup where your nearest neighbor isn't sharing a driveway.
Why people love it here
Peach Plains School
- Elementary — 0.9 mi away
- Grand Haven Area
- 4 rated schools in district
$425K median
- 1 recent sale
Park-rich area
- 15 parks within 1 mile
- Unnamed bike_path: 7 min bike
- Forest Park Sub Area Trail: 8 min bike
Conventional Mortgage Calculator
Median home price in Payne Forest Sub
Estimated Monthly Payment
$2,885/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.
Based on 8 rated schools nearby
Range: 3/10 to 8/10
School District: Grand Haven Area Public Schools
Recent Sale Price
$425K
1 recent sale
Parcels / Units
23
Median Lot Size
0.34 ac
0.30 ac – 1.4 ac
Homeowner Rate
100%
Principal residence
Flood Risk
None
Not in flood zone
Nearest Park
Hofma Preserve
0.6 mi
Parks Nearby
15
within 1 mile
Walkability
Car-dependent
Overall walkability score out of 10
Based on actual walk/bike/drive times to nearby amenities via Mapbox
ALDI
Wesco
Hiway Inn
Hofma Park
+1 more
Hofma Park Playground
Connor Bayou
Unnamed beach
Pathway
dog_park
Unnamed bike_path
Scott Flahive Memorial Launch
Walgreens
Grand Haven 9
Crime in Payne Forest Sub 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 Ottawa County.
Ottawa County crime & safety stats →To buy a median-priced Payne Forest Sub home (around $425,000) at today's 6.49% 30-year fixed rate with 20% down, you'd need roughly $75k/year in household income to qualify — an estimated monthly payment of $2,827 (principal, interest, property tax est., and insurance).
| Down payment | Monthly payment | Income needed |
|---|---|---|
| 20% | $2,827/mo | $75,381 |
| 10% (+PMI) | $3,255/mo | $86,787 |
| 5% (+PMI) | $3,398/mo | $90,601 |
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.
Local Government · area-wide
Grand Haven Charter Township
Source: ghtmi.gov · 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.
Solar potential
~$893/yr in electricity from a typical rooftop solar system
Produces ~6,515 kWh/yr · offsets ~62% of a typical home's use
Grand Haven Charter Township (Northwest Ottawa Water System)
Township water; sourced from NW Ottawa Water Treatment Plant.
Resident-arranged hauler
Residents contract private hauler.
Consumers Energy / SEMCO Energy
Regional gas utility; inferred.
Confirm by addressServices for Grand Haven · Source: ghtmi.gov
Utility, solar, and service details for Payne Forest Sub 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.
🛒 Grocery(8)
+5 more within 5 miles
🍕 Restaurants(15)
Wesco
Restaurant
Casa de Churros
Restaurant
Mancino's Pizza & Grinders
Restaurant
Rock N Thai Cafe Grand Haven
Restaurant
Speedy Cafe
Restaurant
+10 more within 5 miles
☕ Coffee(19)
+16 more within 5 miles
🍺 Bars(16)
+13 more within 5 miles
🏫 Schools(16)
Bignell School
Peach Plains School
Grand Haven High School
School
Griffin School
+11 more within 5 miles
🌳 Parks(4)
+1 more within 5 miles
🚴 Trails(6)
Bike Path
Bike Path
Unnamed bike_path
Bike Path
Forest Park Sub Area Trail
Bike Path
+3 more within 5 miles
⛵ Boat Launches(9)
Boat Launch
Boat Launch
Boat Launch
+6 more within 5 miles
🏥 Hospitals(1)
Hospital
Frequently asked about Payne Forest Sub
- What do homes cost in Payne Forest Sub?
- The median home value in Payne Forest Sub is about $425,000. Individual prices vary by street, size, and condition.
- How active is the Payne Forest Sub housing market?
- no homes are listed in Payne Forest Sub right now, and 1 home sold here in the last 12 months. Listings refresh throughout the day from the MichRIC MLS.
- What schools serve Payne Forest Sub?
- Payne Forest Sub is served by Grand Haven Area Public Schools. Its highest-rated assigned school is Grand Haven High School (8/10).
- Is Payne Forest Sub walkable?
- Payne Forest Sub scores 0.7/10 for walkability — a measure of walking, biking, and driving access to groceries, dining, parks, schools, and transit.