Stony Lake
Surrounded by nature
Median $615K·Walkability 5.2/10·Schools 5.8/10
Out here, the water defines everything—Stony Lake sits as an all-sports inland lake connected by a narrow channel to Lake Michigan, about an hour northwest of Grand Rapids, making it a genuine destination for people who want to dock a boat or cast a line without the sprawl. The shoreline is dotted with cottages and lakefront homes, many with private docks, and the lake itself draws anglers after largemouth and smallmouth bass year-round. A short tube ride down the channel to Michigan's big water is a rite of passage, and the Stony Lake County Park gives locals a proper boat launch, fishing dock, and shallow swimming beach. The restaurant scene centers on the Stony Lake Inn, a locally-owned spot known for lake perch, walleye, and famously good fried asparagus—the kind of place that anchors a quiet community. Beyond the water, you've got Stony Lake Stables for horseback riding and campground activities, though the real draw stays true to its roots: this is a recreational lake community, not a residential sprawl, built on over 150 years of history that includes sawmill operations, Prohibition-era bootlegging, and a steady stream of seasonal visitors who return to the same cottage year after year.
Why people love it here
Lake life
- Stony Lake within walking distance
- 15 parks within 1 mile
- Benona Township Park: 3 min walk
- Liz Gray Deck: 6 min walk
$615K median
- 9 sales in last 12mo
Walkable for daily errands
- Stony Lake Inn: 2 min walk
- 5 places within a 10 min walk
Conventional Mortgage Calculator
Median home price in Stony Lake
Estimated Monthly Payment
$4,175/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.
9 homes sold in Stony Lake this year. Thinking of selling?
See what your home is worthNearest Park
Benona Township Park
0.1 mi
Parks Nearby
15
within 1 mile
Nearest Lake
Stony Lake
0.0 mi
Walkability
Fair
Overall walkability score out of 10
Based on actual walk/bike/drive times to nearby amenities via Mapbox
Stony Lake Inn
Benona Township Park
Unnamed playground
Stony Lake
Unnamed beach
Liz Gray Deck
Based on 4 rated schools nearby
Range: 4/10 to 7/10
School District: Shelby Public Schools
Crime in Stony 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 Oceana County.
Oceana County crime & safety stats →To buy a median-priced Stony Lake home (around $615,000) at today's 6.49% 30-year fixed rate with 20% down, you'd need roughly $109k/year in household income to qualify — an estimated monthly payment of $4,091 (principal, interest, property tax est., and insurance).
| Down payment | Monthly payment | Income needed |
|---|---|---|
| 20% | $4,091/mo | $109,081 |
| 10% (+PMI) | $4,709/mo | $125,586 |
| 5% (+PMI) | $4,916/mo | $131,105 |
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.
Land for sale
Listings
2 parcels
Active / pending
Typical Land Value
$154K/acre
Median asking
Median Price
$109K
Per listing
Local Government · area-wide
Benona Township
unconfirmed
Association and local-government details are compiled from public records, municipal sites, and state registries, and can change. Confirm directly with the association or municipality before relying on them.
Solar potential
~$920/yr in electricity from a typical rooftop solar system
Produces ~6,436 kWh/yr · offsets ~61% of a typical home's use
Private well
Based on assessor parcel records
Septic (individual)
Based on assessor parcel records
Resident-arranged private hauler; Oceana County transfer/recycling
No municipal collection; county transfer/recycling center available
Consumers Energy · ~14.3¢/kWh
Service splits by location — other areas may be served by Great Lakes Energy. Confirm by address.
Confirm by addressNo piped natural gas (propane/LP)
Rural; typically propane
Confirm by addressServices for Benona · Source: oceana.mi.us
Utility, solar, and service details for Stony 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.
Frequently asked about Stony Lake
- What do homes cost in Stony Lake?
- The median home value in Stony Lake is about $615,000. Individual prices vary by street, size, and condition.
- How active is the Stony Lake housing market?
- there are 5 homes for sale in Stony Lake right now, and 9 homes sold here in the last 12 months. Listings refresh throughout the day from the MichRIC MLS.
- What schools serve Stony Lake?
- Stony Lake is served by Shelby Public Schools. Its highest-rated assigned school is Shelby Middle School (7/10).
- Is Stony Lake walkable?
- Stony Lake scores 5.2/10 for walkability — a measure of walking, biking, and driving access to groceries, dining, parks, schools, and transit.
Top contributors in Stony Lake
Detailed statistics are being computed for this location. Demographics, home values, schools, flood risk, and more will appear here automatically.