S 44th Ave & Clay/38th Cutoff Area
Surrounded by nature
Median $426K·Walkability 0.0/10·Schools 5.3/10
Life out here revolves around space—genuine, expansive space that lets you breathe in ways most places don't allow. The neighborhood sits right against Lake Michigan with direct access to the shoreline, and from there the landscape opens into rolling acreage, wooded lots, and the kind of quiet that comes from having real distance between homes rather than proximity to other people. You'll find Claybanks Township Park just next door when you want organized recreation, though most days the lake and your own land do the heavy lifting for outdoor living. Restaurants are roughly a mile away, which means a quick drive when you're craving dinner out, but the real character here centers on properties built for self-sufficiency—pole barns for storage, creek frontage, mature trees, and the freedom to live according to your own rhythms rather than someone else's schedule. This stretch works for people drawn to acreage, water access, and the particular kind of independence that comes with owning real land in West Michigan.
Why people love it here
Lake life
- Stony Lake within walking distance
- Park Lake: 7 min drive
- Claybanks Township Park: 7 min drive
$426K median
- 2 recent sales
Conventional Mortgage Calculator
Median home price in S 44th Ave & Clay/38th Cutoff Area
Estimated Monthly Payment
$2,895/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.
Flood Risk
None
Not in flood zone
Nearest Park
Claybanks Township Park
1.6 mi
Parks Nearby
0
within 1 mile
Nearest Lake
Stony Lake
0.3 mi
Based on 3 rated schools nearby
Range: 5/10 to 6/10
School District: Montague Area Public Schools
Walkability
Car-dependent
Overall walkability score out of 10
Based on actual walk/bike/drive times to nearby amenities via Mapbox
Claybanks Township Park
Playground on Vally Rd
Park Lake
Beach on Vally Rd
Liz Gray Deck
Crime in S 44th Ave & Clay/38th Cutoff 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 44th Ave & Clay/38th Cutoff Area home (around $426,475) at today's 6.49% 30-year fixed rate with 20% down, you'd need roughly $76k/year in household income to qualify — an estimated monthly payment of $2,837 (principal, interest, property tax est., and insurance).
| Down payment | Monthly payment | Income needed |
|---|---|---|
| 20% | $2,837/mo | $75,643 |
| 10% (+PMI) | $3,266/mo | $87,088 |
| 5% (+PMI) | $3,409/mo | $90,916 |
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
~$930/yr in electricity from a typical rooftop solar system
Produces ~6,511 kWh/yr · offsets ~62% of a typical home's use
Utility, solar, and service details for S 44th Ave & Clay/38th Cutoff 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.
🍕 Restaurants(6)
Stony Lake Inn
Restaurant
Salt & Twist
Restaurant
The Silo
Restaurant
The Grill
Restaurant
The Pig Pen
Restaurant
+1 more within 5 miles
☕ Coffee(1)
Lewis Coffee Company
Café
Frequently asked about S 44th Ave & Clay/38th Cutoff Area
- What do homes cost in S 44th Ave & Clay/38th Cutoff Area?
- The median home value in S 44th Ave & Clay/38th Cutoff Area is about $426,475. Individual prices vary by street, size, and condition.
- How active is the S 44th Ave & Clay/38th Cutoff Area housing market?
- no homes are listed in S 44th Ave & Clay/38th Cutoff Area right now, and 2 homes sold here in the last 12 months. Listings refresh throughout the day from the MichRIC MLS.
- What schools serve S 44th Ave & Clay/38th Cutoff Area?
- S 44th Ave & Clay/38th Cutoff Area is served by Montague Area Public Schools. Its highest-rated assigned school is Montague High School (6/10).
- Is S 44th Ave & Clay/38th Cutoff Area walkable?
- S 44th Ave & Clay/38th Cutoff 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 44th Ave & Clay/38th Cutoff Area
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