Todd Lake
Solid value in a growing area
Median $149K
The water here is the whole story—all-sports access means fishing, boats, and summer weekends without the fuss of a distant launch ramp. Cottages and year-round homes line the shoreline with sandy frontage and long decks angled toward the lake, many recently updated with new kitchens and fresh decking. A few sit right on the channels, where the fishing is genuinely good, and the paved boat ramp keeps things practical. You're close enough to Reed City that running into town takes ten minutes, but far enough out that the place has that settled, unrushed feeling—the kind where a wrap-around deck and a view across the water feel like the whole point. It's not trying to be anything other than what it is: a quiet lake neighborhood where people come to slow down.
Why people love it here
$149K median
- Based on 3yr sales
Explore Todd Lake
Same name, different focus — Todd Lake is also covered as:
- Todd Lake Lake Area — lake area details
Mortgage Calculator
Median home price in Todd Lake
Estimated Monthly Payment
$1,008/mo
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. This is not a commitment to lend or an offer of credit. Your actual rate, payment, and costs may vary. Contact a loan officer for a personalized quote.
Guild Mortgage NMLS #3274. Equal Housing Lender. NMLS Consumer Access
Crime in Todd 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 Osceola County.
Osceola County crime & safety stats →To buy a median-priced Todd Lake home (around $148,500) at today's 6.43% 30-year fixed rate with 20% down, you'd need roughly $26k/year in household income to qualify — an estimated monthly payment of $983 (principal, interest, property tax est., and insurance).
| Down payment | Monthly payment | Income needed |
|---|---|---|
| 20% | $983/mo | $26,214 |
| 10% (+PMI) | $1,132/mo | $30,184 |
| 5% (+PMI) | $1,182/mo | $31,509 |
Estimates use a 6.43% 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 an APR or a commitment to lend — your actual rate and payment will vary.
Frequently asked about Todd Lake
- What do homes cost in Todd Lake?
- The median home value in Todd Lake is about $148,500. Individual prices vary by street, size, and condition.
- How active is the Todd Lake housing market?
- there is 1 home for sale in Todd Lake right now. Listings refresh throughout the day from the MichRIC MLS.
- What schools serve Todd Lake?
- Todd Lake is served by Pine River Area Schools.