Spence'S Sunnybank Shore Cowden Lake
Great schools with outdoor access
Median $623K·Schools 6.7/10
Early evening is when this lakeside stretch really shines—the water goes glassy, and you can see why people keep these properties in the family for decades. You're right on Cowden Lake, an all-sports 128-acre body of water where dock access and sandy frontage define most lots out here, and it's about 45 minutes south if you're heading toward Grand Rapids. The homes tend toward cottage charm—decks, fireplaces, the kind of place where a hot tub overlooking the water isn't a luxury, it's just part of how you spend a Thursday night. Public boat launch and lake access are within a short walk, so launching doesn't mean hauling gear across half the county. If you like space, waterfront orientation, and a slower pace without being completely removed, this is it.
Why people love it here
Lake life
- Cowden Lake within walking distance
- 5 parks within 1 mile
Lakeview Elementary School
- Elementary — 7.2 mi away
- Lakeview Community Schools (Montcalm)
- 3 rated schools in district
$623K median
- 2 recent sales
Mortgage Calculator
Median home price in Spence'S Sunnybank Shore Cowden Lake
Estimated Monthly Payment
$4,226/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
Flood Risk
None
Not in flood zone
Nearest Park
Cowden Lake Public Access
0.7 mi
Parks Nearby
5
within 1 mile
Nearest Lake
Cowden Lake
0.2 mi
Based on 3 rated schools nearby
Range: 5/10 to 9/10
School District: Lakeview Community Schools (Montcalm)
Crime in Spence'S Sunnybank Shore Cowden 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 Montcalm County.
Montcalm County crime & safety stats →To buy a median-priced Spence'S Sunnybank Shore Cowden Lake home (around $622,500) at today's 6.43% 30-year fixed rate with 20% down, you'd need roughly $110k/year in household income to qualify — an estimated monthly payment of $4,121 (principal, interest, property tax est., and insurance).
| Down payment | Monthly payment | Income needed |
|---|---|---|
| 20% | $4,121/mo | $109,888 |
| 10% (+PMI) | $4,745/mo | $126,529 |
| 5% (+PMI) | $4,953/mo | $132,083 |
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.
Frequently asked about Spence'S Sunnybank Shore Cowden Lake
- What do homes cost in Spence'S Sunnybank Shore Cowden Lake?
- The median home value in Spence'S Sunnybank Shore Cowden Lake is about $622,500. Individual prices vary by street, size, and condition.
- How active is the Spence'S Sunnybank Shore Cowden Lake housing market?
- no homes are listed in Spence'S Sunnybank Shore Cowden Lake right now, and 2 homes sold here in the last 12 months. Listings refresh throughout the day from the MichRIC MLS.
- What schools serve Spence'S Sunnybank Shore Cowden Lake?
- Spence'S Sunnybank Shore Cowden Lake is served by Lakeview Community Schools (Montcalm). Its highest-rated assigned school is Lakeview Elementary School (9/10).
Top contributors in Spence'S Sunnybank Shore Cowden Lake
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