The Cottages
Solid value in a growing area
Median $550K·Walkability 2.3/10·Schools 4.7/10
When you turn onto The Cottages, you feel the pace shift—wide open sky, mature trees, and enough breathing room that neighbors aren't stacked on top of each other on these 36 acres. The condos here run around $922K, and homes sit on generous quarter-acre lots, which means actual yards and sight lines to green space rather than the next driveway over. You're about 8 minutes from Grand Haven beach, so lake access isn't some distant plan—it's an actual weekend rhythm. Downtown Grand Rapids is 46 minutes away if you want city culture, but day-to-day, this feels like its own world.
Why people love it here
$550K median
- 4 sales in last 12mo
Park-rich area
- 10 parks within 1 mile
- North Shore Estates Sub Area Trail: 5 min walk
- Unnamed bike path: 5 min walk
Conventional Mortgage Calculator
Median home price in The Cottages
Estimated Monthly Payment
$3,734/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.
4 homes sold in The Cottages this year. Thinking of selling?
See what your home is worthMedian Sale Price
$550K
4 sales in last 12mo
Units
48
Complex Size
35.5 ac
48 units
Homeowner Rate
93.5%
Principal residence
Flood Risk
None
Not in flood zone
Nearest Park
Ferrysburg Nature Preserve
0.5 mi
Parks Nearby
10
within 1 mile
Based on 3 rated schools nearby
Range: 2/10 to 6/10
School District: Grand Haven Area Public Schools
Walkability
Limited
Overall walkability score out of 10
Based on actual walk/bike/drive times to nearby amenities via Mapbox
Leppinks
The Arboreal Inn
+1 more
Biggby
+1 more
Stan's Bar
+1 more
Mike Herman Memorial Field
Unnamed playground
Smith Bayou
+1 more
Lakeside Beach
Segment 1 to 2
Coast Guard Park Dog Park
North Shore Estates Sub Area Trail
Mill Point Park Launch
+1 more
Rec Room
Walgreens
Spring Lake District Library
Cinema Carousel
Crime in The Cottages 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 Ottawa County.
Ottawa County crime & safety stats →To buy a median-priced The Cottages home (around $550,000) at today's 6.49% 30-year fixed rate with 20% down, you'd need roughly $98k/year in household income to qualify — an estimated monthly payment of $3,658 (principal, interest, property tax est., and insurance).
| Down payment | Monthly payment | Income needed |
|---|---|---|
| 20% | $3,658/mo | $97,552 |
| 10% (+PMI) | $4,212/mo | $112,313 |
| 5% (+PMI) | $4,397/mo | $117,249 |
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.
Local Government · area-wide
Spring Lake Township
Source: springlaketwp.org · 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
~$891/yr in electricity from a typical rooftop solar system
Produces ~6,497 kWh/yr · offsets ~62% of a typical home's use
Township-contracted curbside trash/recycling/yard waste hauler since Jan 1, 2023.
Consumers Energy / SEMCO Energy
Regional gas utility; inferred.
Confirm by addressServices for Spring Lake · Source: springlaketwp.org
Utility, solar, and service details for The Cottages 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.
🛒 Grocery(11)
Grocery Store
Orchard Markets
Grocery Store
+8 more within 5 miles
🍕 Restaurants(8)
The Arboreal Inn
Restaurant
Greek Tony's Pizza & Sub
Restaurant
Pine Street Cafe
Restaurant
Pizza Hut
Restaurant
Restaurant
+3 more within 5 miles
☕ Coffee(18)
+15 more within 5 miles
🍺 Bars(16)
Stan's Bar
Bar
Lucy's
Restaurant
12 Corners Vineyards - Grand Haven Tasting Rooom
Bar
+13 more within 5 miles
🏫 Schools(17)
Faith School
Elliott School
Holmes School
Central School
Ferry School
+12 more within 5 miles
💪 Gyms(3)
🌳 Parks(6)
+3 more within 5 miles
🐕 Dog Parks(5)
Dog Park in South Holiday Hills Area
Dog Park
Coast Guard Park Dog Park
Dog Park
Shoreline Landing Dog Park
Dog Park
+2 more within 5 miles
🚴 Trails(4)
Bike Path
Bike Path
Unnamed bike_path
Bike Path
North Shore Estates Sub Area Trail
Bike Path
+1 more within 5 miles
⛵ Boat Launches(5)
Boat Launch
Boat Launch
Boat Launch
+2 more within 5 miles
💊 Pharmacies(5)
+2 more within 5 miles
🏥 Hospitals(1)
Hospital
📚 Libraries(3)
Frequently asked about The Cottages
- What do homes cost in The Cottages?
- The median home value in The Cottages is about $550,000. Individual prices vary by street, size, and condition.
- How active is the The Cottages housing market?
- no homes are listed in The Cottages right now, and 4 homes sold here in the last 12 months. Listings refresh throughout the day from the MichRIC MLS.
- What schools serve The Cottages?
- The Cottages is served by Grand Haven Area Public Schools. Its highest-rated assigned school is Grand Haven High School (8/10).
- Is The Cottages walkable?
- The Cottages scores 2.3/10 for walkability — a measure of walking, biking, and driving access to groceries, dining, parks, schools, and transit.