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Atlas — Grand Rapids Real Estate

A hyper-local geographic knowledge system for Greater Grand Rapids. Fall in love with a place, then find a home there.

The flagship city of Neighborhood Atlas.

2279 New Town Dr, Grand Rapids, MI 49525
(616) 308-7946 · support@grandrapids.realestate

Operated by Grand Rapids Real Estate Co., a sub-brokerage of AARE · Licensed broker: Jon Hazeltine, Michigan license #6502432782

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© 2026 Grand Rapids Real Estate Co.. All rights reserved. · Equal Housing Opportunity

IDX data provided by MichRIC MLS · @grandrapidsrealestateco

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Home/Neighborhoods/Spruce Lake
Lake Area

Spruce Lake

Surrounded by nature

Published by Atlas — Grand Rapids Real Estate · data computed by Atlas · reviewed under Jon Hazeltine, Broker Associate (MI #6502432782)
Show on map

Median $214K·Walkability 0.0/10·Schools 3.7/10

🏙️63 mito Downtown GR(~2h 5m drive)
🏞️59 mito Lake Michigan(~1h 58m drive)

Out here, your morning coffee comes with the sound of water instead of traffic, and the whole rhythm shifts when you're living steps from the lake. The area sits right on the shoreline—literally, you can walk to Hungerford Lake Recreation Area in a couple of minutes if you want to throw in a line or just clear your head. Most homes sit on wooded acreage, the kind of property where you can actually breathe, and the roads are county-maintained so you're not dealing with the noise of a main drag. If you need to eat out, it's about a twenty-minute drive to grab something, which means you're either cooking at home more (not the worst thing) or you're stocked with what matters. The real draw is that frontage—sandy beaches, docks, and direct access to both the lake and the Pere Marquette River if you're into that kind of thing. It's the kind of place where "getting away" isn't a weekend trip; it's just Tuesday.

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Why people love it here

🌊Nature & Outdoors

Lake life

  • Spruce Lake within walking distance
  • 5 parks within 1 mile
  • North Lake: 9 min drive
  • Paradise Lake: 8 min drive
💰Home Values

$214K median

  • Based on 3yr sales
🏞️

Lake facts

MI DNR
Lake size8acres
Homes on lake14parcels
Max depth23feet
Avg depth12feet
Private — owners only
Loading map…

Conventional Mortgage Calculator

Median home price in Spruce Lake

Estimated Monthly Payment

$1,449/mo

$
$42,700
20%
%
Principal & Interest $1,10876%
Property Tax (est.)
$
18%
Insurance (est.)
$
5%

Property tax and insurance are estimates you can edit — not a quote. Tap either figure to enter your own.

Get Pre-Approved with Guild Mortgage
Jon Hazeltine

Guild Mortgage

Loan officer: Jon Hazeltine · NMLS #2574218

Company NMLS #3274 · Licensed in MI

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

Unnamed park

0.2 mi

Parks Nearby

5

within 1 mile

3.7
/10 avg
Below average schools

Based on 3 rated schools nearby

Range: 3/10 to 4/10

School District: Baldwin Community Schools

4Baldwin Elementary SchoolElementary · PK-05 · 224 students · 12:1 · 2.7 mi
4Baldwin Senior High SchoolHigh · 09-12 · 119 students · 10:1 · 2.7 mi
3Baldwin Junior High SchoolMiddle · 06-08 · 99 students · 10:1 · 2.7 mi

Walkability

0.0

Car-dependent

Overall walkability score out of 10

🛒Daily Errands— Grocery, pharmacy
0.0
🍽️Dining— Restaurants, cafes, bars
0.0
🌳Nature— Parks, trails
0.0
🚌Transit— Bus stops, stations
0.0
💪Fitness— Gyms, recreation
0.0

Based on actual walk/bike/drive times to nearby amenities via Mapbox

🏞️Lakes & Water
Quick drive

North Lake

9 mindrive· 18 min bike
Paradise Lake
8 mindrive
Idlewild Lake
11 mindrive
Little Lake Number Two
9 mindrive

+1 more

To buy a median-priced Spruce Lake home (around $213,500) at today's 6.65% 30-year fixed rate with 20% down, you'd need roughly $38k/year in household income to qualify — an estimated monthly payment of $1,438 (principal, interest, property tax est., and insurance).

Down paymentMonthly paymentIncome needed
20% $1,438/mo$38,349
10% (+PMI)$1,655/mo$44,139
5% (+PMI)$1,728/mo$46,085

Estimates use a 6.65% 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.

Full Spruce Lake cost-of-living breakdown →

Solar potential

~$900/yr in electricity from a typical rooftop solar system

Produces ~6,301 kWh/yr · offsets ~60% of a typical home's use

Utility, solar, and service details for Spruce 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(4)

Dairy Queen

Fast Food

2.8 mimap

Pompeiis Pizza

Restaurant

2.9 mimap

Subway

Fast Food

3.2 mimap
Government Lake Lodge

Restaurant

4.1 mimap

🌳 Parks(5)

Park

0.2 mimap

Unnamed park

0.2 mimap

Park in Idlewild Terrace #5

0.2 mimap

+2 more within 5 miles

🚴 Trails(3)

Pere Marquette State Trail

Bike Path

2.5 mimap

Pere Marquette State Trail

Bike Path

2.7 mimap

Pere Marquette State Trail

Bike Path

2.8 mimap
GR

Atlas — Grand Rapids Real Estate

Local real estate specialists

Questions about Spruce Lake? Our team can help with availability, schools, and what it's really like to live here.

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Frequently asked about Spruce Lake

What do homes cost in Spruce Lake?
The median home value in Spruce Lake is about $213,500. Individual prices vary by street, size, and condition.
What schools serve Spruce Lake?
Spruce Lake is served by Baldwin Community Schools. Its highest-rated assigned school is Baldwin Elementary School (4/10).
Is Spruce Lake walkable?
Spruce Lake scores 0.0/10 for walkability — a measure of walking, biking, and driving access to groceries, dining, parks, schools, and transit.

Top contributors in Spruce Lake

Detailed statistics are being computed for this location. Demographics, home values, schools, flood risk, and more will appear here automatically.

GR

Atlas — Grand Rapids Real Estate

Local real estate specialists

Questions about Spruce Lake? Our team can help.

Call
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Conventional Mortgage Calculator

Median in Spruce Lake

Estimated Monthly Payment

$1,449/mo

$
$42,700
20%
%
Principal & Interest $1,10876%
Property Tax (est.)
$
18%
Insurance (est.)
$
5%

Property tax and insurance are estimates you can edit — not a quote. Tap either figure to enter your own.

Get Pre-Approved with Guild Mortgage
Jon Hazeltine

Guild Mortgage

Loan officer: Jon Hazeltine · NMLS #2574218

Company NMLS #3274 · Licensed in MI

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.

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