Twin Lake Shores
Solid value in a growing area
Median $355K·Schools 3.7/10
What might surprise you is how close you are to actual water out here—Lake Michigan sits just a fifth of a mile away, and the area sits within easy reach of Midget Lake and Sand Lake, both known for solid fishing. The neighborhood itself is a platted subdivision with the kind of wooded lot character that draws people looking for a low-key retreat rather than suburban density. You're minutes from the Manistee National Forest's White Cloud Unit if you want to stretch your legs, and dinner runs about a mile and a half down the road. The homes here lean cottage-and-chalet style, many with recent updates and lakefront or near-lakefront positions—think cathedral ceilings, decking that opens to water views, the kind of place where you wake up thinking about casting a line rather than commuting anywhere fast.
Why people love it here
$355K median
- 1 recent sale
Mortgage Calculator
Median home price in Twin Lake Shores
Estimated Monthly Payment
$2,409/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
Based on 3 rated schools nearby
Range: 3/10 to 4/10
School District: Baldwin Community Schools
Crime in Twin Lake Shores 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 Twin Lake Shores home (around $354,900) at today's 6.43% 30-year fixed rate with 20% down, you'd need roughly $63k/year in household income to qualify — an estimated monthly payment of $2,349 (principal, interest, property tax est., and insurance).
| Down payment | Monthly payment | Income needed |
|---|---|---|
| 20% | $2,349/mo | $62,650 |
| 10% (+PMI) | $2,705/mo | $72,137 |
| 5% (+PMI) | $2,824/mo | $75,303 |
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.
Flood Risk
None
Not in flood zone
Nearest Park
Unnamed park
0.5 mi
Parks Nearby
5
within 1 mile
Frequently asked about Twin Lake Shores
- What do homes cost in Twin Lake Shores?
- The median home value in Twin Lake Shores is about $354,900. Individual prices vary by street, size, and condition.
- How active is the Twin Lake Shores housing market?
- there is 1 home for sale in Twin Lake Shores right now, and 1 home sold here in the last 12 months. Listings refresh throughout the day from the MichRIC MLS.
- What schools serve Twin Lake Shores?
- Twin Lake Shores is served by Baldwin Community Schools. Its highest-rated assigned school is Baldwin Senior High School (4/10).
Top contributors in Twin Lake Shores
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