Star Cecelia & Basford Lakes
Solid value in a growing area
Median $405K·Schools 3.7/10
Late afternoon out here is hard to beat—when the light hits the water just right and you can hear the quiet lap of the lakes. The area centers around waterfront living on Basford Lake and Lake Cecilia, both popular for fishing and no-wake recreation, with deeded access to bigger water nearby. Most homes are modest lake retreats—ranch-style chalets and cottages, many recently updated—the kind of place where you're genuinely steps from the dock. The Manistee National Forest's White Cloud Unit sits less than a mile away, so if you want to stretch your legs beyond the shoreline, it's right there. About an hour and a half north of the city, this stretch feels far enough removed to reset, but close enough that a weekend getaway doesn't eat up your whole Saturday driving.
Why people love it here
$405K median
- 1 recent sale
Conventional Mortgage Calculator
Median home price in Star Cecelia & Basford Lakes
Estimated Monthly Payment
$2,749/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.
Based on 3 rated schools nearby
Range: 3/10 to 4/10
School District: Baldwin Community Schools
Crime in Star Cecelia & Basford Lakes 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 Star Cecelia & Basford Lakes home (around $405,000) at today's 6.49% 30-year fixed rate with 20% down, you'd need roughly $72k/year in household income to qualify — an estimated monthly payment of $2,694 (principal, interest, property tax est., and insurance).
| Down payment | Monthly payment | Income needed |
|---|---|---|
| 20% | $2,694/mo | $71,834 |
| 10% (+PMI) | $3,101/mo | $82,703 |
| 5% (+PMI) | $3,238/mo | $86,338 |
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.
Flood Risk
None
Not in flood zone
Nearest Park
Lake Township Park
1.0 mi
Parks Nearby
0
within 1 mile
Frequently asked about Star Cecelia & Basford Lakes
- What do homes cost in Star Cecelia & Basford Lakes?
- The median home value in Star Cecelia & Basford Lakes is about $405,000. Individual prices vary by street, size, and condition.
- How active is the Star Cecelia & Basford Lakes housing market?
- there is 1 home for sale in Star Cecelia & Basford Lakes right now, and 1 home sold here in the last 12 months. Listings refresh throughout the day from the MichRIC MLS.
- What schools serve Star Cecelia & Basford Lakes?
- Star Cecelia & Basford Lakes is served by Baldwin Community Schools. Its highest-rated assigned school is Baldwin Elementary School (4/10).
Top contributors in Star Cecelia & Basford Lakes
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