S 124th Ave & E Shelby Rd Area
Solid value in a growing area
Median $222K·Walkability 0.0/10·Schools 5.7/10
What might surprise you out here is how close Lake Michigan actually sits—right at the doorstep, practically—yet the landscape reads pure rural: acreage, barns, open floor plans facing woods and creek beds. This stretch runs on 5- to 40-acre parcels, the kind of scale where you can have pole barns, mudrooms, and pantries the size of small rooms, with property lines measured in privacy rather than proximity to neighbors. Modular and traditional farmhouses anchor land that slopes toward Robinson Creek (a White River tributary where serious anglers show up), and the woods here aren't decorative—they're functional for the people who choose them.
Why people love it here
$222K median
- Based on 3yr sales
Conventional Mortgage Calculator
Median home price in S 124th Ave & E Shelby Rd Area
Estimated Monthly Payment
$1,504/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 3 rated schools nearby
Range: 4/10 to 7/10
School District: Shelby Public Schools
Walkability
Car-dependent
Overall walkability score out of 10
Based on actual walk/bike/drive times to nearby amenities via Mapbox
Park on Lorenson Rd
+1 more
Playground on Sand Rd
Weber Lake
South 158th Avenue
Crime in S 124th Ave & E Shelby Rd Area 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 Oceana County.
Oceana County crime & safety stats →To buy a median-priced S 124th Ave & E Shelby Rd Area home (around $221,500) at today's 6.49% 30-year fixed rate with 20% down, you'd need roughly $39k/year in household income to qualify — an estimated monthly payment of $1,473 (principal, interest, property tax est., and insurance).
| Down payment | Monthly payment | Income needed |
|---|---|---|
| 20% | $1,473/mo | $39,287 |
| 10% (+PMI) | $1,696/mo | $45,231 |
| 5% (+PMI) | $1,771/mo | $47,219 |
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.
Solar potential
~$916/yr in electricity from a typical rooftop solar system
Produces ~6,410 kWh/yr · offsets ~61% of a typical home's use
Utility, solar, and service details for S 124th Ave & E Shelby Rd Area 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
Unnamed park
2.1 mi
Parks Nearby
0
within 1 mile
Frequently asked about S 124th Ave & E Shelby Rd Area
- What do homes cost in S 124th Ave & E Shelby Rd Area?
- The median home value in S 124th Ave & E Shelby Rd Area is about $221,500. Individual prices vary by street, size, and condition.
- What schools serve S 124th Ave & E Shelby Rd Area?
- S 124th Ave & E Shelby Rd Area is served by Shelby Public Schools. Its highest-rated assigned school is Shelby Middle School (7/10).
- Is S 124th Ave & E Shelby Rd Area walkable?
- S 124th Ave & E Shelby Rd Area scores 0.0/10 for walkability — a measure of walking, biking, and driving access to groceries, dining, parks, schools, and transit.
Top contributors in S 124th Ave & E Shelby Rd Area
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