Saddlebag Lake
Surrounded by nature
Median $186K·Walkability 3.0/10·Schools 4.7/10
What surprises people about this stretch is how affordable genuine lakefront living still is—homes with 100+ feet of water frontage, sunsets included, without the price tag of southern Michigan resorts. The 90-acre lake itself is stocked with bluegill and bass, deep enough for real fishing, and flanked by wooded acreage perfect for hunting or just letting the woods be woods. Most properties come turnkey, some with pole barns for storage or projects, and more than a few sit on multiple surveyed lots—the kind of breathing room you don't find closer to Grand Rapids.
Why people love it here
Lake life
- Saddlebag Lake within walking distance
- Saddlebag Lake: 0 min walk
- Tiff Lake: 5 min drive
$186K median
- Based on 3yr sales
Lake facts
MI DNRConventional Mortgage Calculator
Median home price in Saddlebag Lake
Estimated Monthly Payment
$1,264/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
Riverside Park West
3.5 mi
Parks Nearby
0
within 1 mile
Based on 3 rated schools nearby
Range: 3/10 to 6/10
School District: Evart Public Schools
Walkability
Limited
Overall walkability score out of 10
Based on actual walk/bike/drive times to nearby amenities via Mapbox
Saddlebag Lake
Crime in Saddlebag Lake 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 Osceola County.
Osceola County crime & safety stats →To buy a median-priced Saddlebag Lake home (around $186,255) at today's 6.49% 30-year fixed rate with 20% down, you'd need roughly $33k/year in household income to qualify — an estimated monthly payment of $1,239 (principal, interest, property tax est., and insurance).
| Down payment | Monthly payment | Income needed |
|---|---|---|
| 20% | $1,239/mo | $33,036 |
| 10% (+PMI) | $1,426/mo | $38,034 |
| 5% (+PMI) | $1,489/mo | $39,706 |
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
~$883/yr in electricity from a typical rooftop solar system
Produces ~6,290 kWh/yr · offsets ~60% of a typical home's use
Utility, solar, and service details for Saddlebag Lake 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)
Fast Food
Pompeii's Pizza
Restaurant
Mishler's Drive-In
Fast Food
B.C. Pizza
Restaurant
+1 more within 5 miles
🌳 Parks(4)
+1 more within 5 miles
Frequently asked about Saddlebag Lake
- What do homes cost in Saddlebag Lake?
- The median home value in Saddlebag Lake is about $186,255. Individual prices vary by street, size, and condition.
- How active is the Saddlebag Lake housing market?
- there are 2 homes for sale in Saddlebag Lake right now. Listings refresh throughout the day from the MichRIC MLS.
- What schools serve Saddlebag Lake?
- Saddlebag Lake is served by Evart Public Schools. Its highest-rated assigned school is Evart Middle School (6/10).
- Is Saddlebag Lake walkable?
- Saddlebag Lake scores 3.0/10 for walkability — a measure of walking, biking, and driving access to groceries, dining, parks, schools, and transit.
Top contributors in Saddlebag Lake
Detailed statistics are being computed for this location. Demographics, home values, schools, flood risk, and more will appear here automatically.