Pine Grove Beach
Solid value in a growing area
Median $281K·Walkability 1.8/10·Schools 3.7/10
The sandy beach sprawls in front of you the moment you turn in—nothing fancy, just water lapping at the shore and enough space to actually breathe. Out here, the appeal is straightforward: waterfront living with a 75-foot stretch of private beach means you can swim and fish without leaving your property, and the homes reflect that single-minded focus on the water. Most of what you'll find are three-bedroom cottages and chalets, some newly refreshed, others solid enough for year-round living, positioned to catch the view across the full span of the water. The surrounding area is wooded and quiet—trails head across the street for side-by-side exploring, and the Chain of Lakes offers all-sports water access for more fishing options if you want to venture out. Roads are paved, the setting feels genuinely removed from highway noise, and the whole character of the place comes down to one thing: people here are here for the water.
Why people love it here
$281K median
- 28 sales in last 12mo
Conventional Mortgage Calculator
Median home price in Pine Grove Beach
Estimated Monthly Payment
$1,909/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.
28 homes sold in Pine Grove Beach 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
Walkability
Car-dependent
Overall walkability score out of 10
Based on actual walk/bike/drive times to nearby amenities via Mapbox
Big Star Lake Public Access
Big Star Lake
M-20 to Big O Motorcycle & MCCCT
Marquette Trails Country Club
Crime in Pine Grove Beach 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 Pine Grove Beach home (around $281,250) at today's 6.49% 30-year fixed rate with 20% down, you'd need roughly $50k/year in household income to qualify — an estimated monthly payment of $1,871 (principal, interest, property tax est., and insurance).
| Down payment | Monthly payment | Income needed |
|---|---|---|
| 20% | $1,871/mo | $49,885 |
| 10% (+PMI) | $2,154/mo | $57,433 |
| 5% (+PMI) | $2,248/mo | $59,957 |
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
4 parcels
Active / pending
Median Price
$17K
Per listing
Solar potential
~$906/yr in electricity from a typical rooftop solar system
Produces ~6,339 kWh/yr · offsets ~60% of a typical home's use
Private well
Based on assessor parcel records
Septic (individual)
Based on assessor parcel records
Utility, solar, and service details for Pine Grove Beach 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.
Nearest Park
Big Star Lake Public Access
0.5 mi
Parks Nearby
10
within 1 mile
Frequently asked about Pine Grove Beach
- What do homes cost in Pine Grove Beach?
- The median home value in Pine Grove Beach is about $281,250. Individual prices vary by street, size, and condition.
- How active is the Pine Grove Beach housing market?
- there are 7 homes for sale in Pine Grove Beach right now, and 28 homes sold here in the last 12 months. Listings refresh throughout the day from the MichRIC MLS.
- What schools serve Pine Grove Beach?
- Pine Grove Beach is served by Baldwin Community Schools. Its highest-rated assigned school is Baldwin Elementary School (4/10).
- Is Pine Grove Beach walkable?
- Pine Grove Beach scores 1.8/10 for walkability — a measure of walking, biking, and driving access to groceries, dining, parks, schools, and transit.
Top contributors in Pine Grove Beach
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