Spruce Lake
Surrounded by nature
Median $214K·Walkability 0.0/10·Schools 3.7/10
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.
Why people love it here
Lake life
- Spruce Lake within walking distance
- 5 parks within 1 mile
- North Lake: 9 min drive
- Paradise Lake: 8 min drive
$214K median
- Based on 3yr sales
Lake facts
MI DNRConventional Mortgage Calculator
Median home price in Spruce Lake
Estimated Monthly Payment
$1,449/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
Unnamed park
0.2 mi
Parks Nearby
5
within 1 mile
Based on 3 rated schools nearby
Range: 3/10 to 4/10
School District: Baldwin Community Schools
Walkability
Car-dependent
Overall walkability score out of 10
Based on actual walk/bike/drive times to nearby amenities via Mapbox
North Lake
+1 more
Crime in Spruce 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 Lake County.
Lake County crime & safety stats →To buy a median-priced Spruce Lake home (around $213,500) at today's 6.49% 30-year fixed rate with 20% down, you'd need roughly $38k/year in household income to qualify — an estimated monthly payment of $1,420 (principal, interest, property tax est., and insurance).
| Down payment | Monthly payment | Income needed |
|---|---|---|
| 20% | $1,420/mo | $37,868 |
| 10% (+PMI) | $1,635/mo | $43,598 |
| 5% (+PMI) | $1,707/mo | $45,514 |
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
~$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)
Fast Food
Pompeiis Pizza
Restaurant
Subway
Fast Food
Restaurant
🌳 Parks(6)
+3 more within 5 miles
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
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