Ridge Water Estates
Solid value in a growing area
Median $483K·Walkability 1.9/10·Schools 5.0/10
What catches most people off guard about Ridge Water Estates is how much space you actually get—nearly 40 acres with individual lots averaging over half an acre each. You're not cramped into a typical condo grid; there's real breathing room between homes, which makes it feel more like a small neighborhood than a development. Homes here run around $442K, and you've got access to Cedar Springs Public Schools in the district.
Why people love it here
$483K median
- 2 recent sales
Conventional Mortgage Calculator
Median home price in Ridge Water Estates
Estimated Monthly Payment
$3,276/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.
Recent Sale Price
$483K
2 recent sales
Units
51
Complex Size
37.7 ac
51 units
Based on 1 rated school nearby
School District: Cedar Springs Public Schools
Walkability
Car-dependent
Overall walkability score out of 10
Based on actual walk/bike/drive times to nearby amenities via Mapbox
Save-A-Lot
Momma's Boy
+1 more
Tim Hortons
St. Julian Winery & Distillery Tasting Room
Trestle Park
Unnamed playground
Whit Lake
+1 more
Unnamed beach
North Country Trail
dog_park
White Pine Trail
Rogue River Launch (A-41-102)
+1 more
MAX Fitness
Cedar library #1
Northstar Cinema
Crime in Ridge Water Estates 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 Kent County.
Kent County crime & safety stats →To buy a median-priced Ridge Water Estates home (around $482,500) at today's 6.49% 30-year fixed rate with 20% down, you'd need roughly $86k/year in household income to qualify — an estimated monthly payment of $3,209 (principal, interest, property tax est., and insurance).
| Down payment | Monthly payment | Income needed |
|---|---|---|
| 20% | $3,209/mo | $85,580 |
| 10% (+PMI) | $3,695/mo | $98,529 |
| 5% (+PMI) | $3,857/mo | $102,859 |
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.
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
~$860/yr in electricity from a typical rooftop solar system
Produces ~6,273 kWh/yr · offsets ~60% of a typical home's use
Algoma Sanitary District / private well
Algoma Sanitary District serves water/sewer in pockets (incl. Algoma-Plainfield system); rural on private well.
Algoma Sanitary District / individual septic
Sanitary district + Camp Lake Sewer in serviced areas; rural on septic.
Resident-arranged private hauler
Algoma Township Fire Department
Serves ~12,143 in 33 sq mi; 2 stations; full-time chief + 3 FT + 28 paid-on-call.
Services for Algoma · Source: algomasd.org
Utility, solar, and service details for Ridge Water Estates 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.
Flood Risk
None
Not in flood zone
Nearest Park
Algoma Sports Park
1.6 mi
Parks Nearby
0
within 1 mile
🛒 Grocery(6)
+3 more within 5 miles
🍕 Restaurants(11)
Momma's Boy
Restaurant
Evergreen Inn Restaurant
Restaurant
Fast Food
Piccadilly Circus Pizza
Restaurant
Subway
Restaurant
+6 more within 5 miles
☕ Coffee(18)
+15 more within 5 miles
🍺 Bars(12)
Flo's Wood Fired Pizzeria
Bar
St. Julian Winery & Distillery Tasting Room
Bar
Cedar Pub
Bar
+9 more within 5 miles
🏫 Schools(8)
Valley View School
Creative Technologies Academy
Christian Hill School
+3 more within 5 miles
💪 Gyms(3)
Fitness Center
MVP Fitness
Fitness Center
Fitness Center
🐕 Dog Parks(2)
⛵ Boat Launches(5)
Boat Launch
Boat Launch
Boat Launch
+2 more within 5 miles
🚌 Transit(1)
Transit Stop
Frequently asked about Ridge Water Estates
- What do homes cost in Ridge Water Estates?
- The median home value in Ridge Water Estates is about $482,500. Individual prices vary by street, size, and condition.
- How active is the Ridge Water Estates housing market?
- no homes are listed in Ridge Water Estates right now, and 2 homes sold here in the last 12 months. Listings refresh throughout the day from the MichRIC MLS.
- What schools serve Ridge Water Estates?
- Ridge Water Estates is served by Cedar Springs Public Schools. Its highest-rated assigned school is Cedar View Elementary School (7/10).
- Is Ridge Water Estates walkable?
- Ridge Water Estates scores 1.9/10 for walkability — a measure of walking, biking, and driving access to groceries, dining, parks, schools, and transit.