Sand Lake Shores
Solid value in a growing area
Median $120K·Schools 3.7/10
You pull up expecting suburban sprawl, and instead find yourself on county-maintained paved roads winding through wooded parcels where a lot means acreage, not a postage stamp. Out here, cottages and small homes sit back from the road on their own piece of quiet, and you're close enough to the national forest across the way that trails and streams feel like part of your backyard. The lake is practically at your door—less than a tenth of a mile—while restaurants and services are about a mile and a half down the road, which means you're genuinely removed but not stranded. Knotty pine interiors, wood stoves, covered porches, and pole barns show up again and again in what people have built here, the kind of "up north" aesthetic that suggests folks aren't looking to replicate town life; they're looking to actually escape it.
Why people love it here
$120K median
- Based on 3yr sales
Mortgage Calculator
Median home price in Sand Lake Shores
Estimated Monthly Payment
$811/mo
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. This is not a commitment to lend or an offer of credit. Your actual rate, payment, and costs may vary. Contact a loan officer for a personalized quote.
Guild Mortgage NMLS #3274. Equal Housing Lender. NMLS Consumer Access
Based on 3 rated schools nearby
Range: 3/10 to 4/10
School District: Baldwin Community Schools
Crime in Sand Lake Shores 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 Sand Lake Shores home (around $119,500) at today's 6.43% 30-year fixed rate with 20% down, you'd need roughly $21k/year in household income to qualify — an estimated monthly payment of $791 (principal, interest, property tax est., and insurance).
| Down payment | Monthly payment | Income needed |
|---|---|---|
| 20% | $791/mo | $21,095 |
| 10% (+PMI) | $911/mo | $24,290 |
| 5% (+PMI) | $951/mo | $25,356 |
Estimates use a 6.43% 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 an APR or a commitment to lend — your actual rate and payment will vary.
Flood Risk
None
Not in flood zone
Nearest Park
Unnamed park
0.5 mi
Parks Nearby
5
within 1 mile
Frequently asked about Sand Lake Shores
- What do homes cost in Sand Lake Shores?
- The median home value in Sand Lake Shores is about $119,500. Individual prices vary by street, size, and condition.
- What schools serve Sand Lake Shores?
- Sand Lake Shores is served by Baldwin Community Schools. Its highest-rated assigned school is Baldwin Senior High School (4/10).
Top contributors in Sand Lake Shores
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