W 36th St & W 40th St Area
Solid value in a growing area
3 homes for sale·Median $142K·Walkability 3.0/10·Schools 3.7/10
People often assume out here it's all trees and isolation, but you're actually steps away from dining and right on the edge of Lake Michigan—the water's closer than you'd think. The area spans nearly 5,000 acres of genuinely wooded land, the kind where a two-bedroom cabin on five acres or a manufactured home on two feels like owning your own corner of something real. Gravel roads wind through, most properties backed by state land or hundreds of acres open for hunting and exploring; the Little Manistee Trail isn't far if you're into ORV riding, and Hungerford Lake Recreation Area is just a four-minute walk for anyone wanting easier access to the outdoors. Homes here tend toward the practical—pole barns with wood stoves, insulated workshops for hobbies, metal roofs, open porches—and the location trades isolation for convenience; you're minutes from Baldwin village and close enough to US-10 that a work commute doesn't feel punishing. It's the kind of place where waterfront on a quiet fishing lake, a little elbow room, and serious outdoor access matter more than anything else.
Why people love it here
$142K median
- 6 sales in last 12mo
Conventional Mortgage Calculator
Median home price in W 36th St & W 40th St Area
Estimated Monthly Payment
$967/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.
6 homes sold in W 36th St & W 40th St Area this year. Thinking of selling?
See what your home is worthBased on 3 rated schools nearby
Range: 3/10 to 4/10
School District: Baldwin Community Schools
Walkability
Limited
Overall walkability score out of 10
Based on actual walk/bike/drive times to nearby amenities via Mapbox
Unnamed park
Bray Lake
+1 more
Pine Forest Pathway
Crime in W 36th St & W 40th St Area 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 W 36th St & W 40th St Area home (around $142,450) at today's 6.49% 30-year fixed rate with 20% down, you'd need roughly $25k/year in household income to qualify — an estimated monthly payment of $947 (principal, interest, property tax est., and insurance).
| Down payment | Monthly payment | Income needed |
|---|---|---|
| 20% | $947/mo | $25,266 |
| 10% (+PMI) | $1,091/mo | $29,089 |
| 5% (+PMI) | $1,139/mo | $30,367 |
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
8 parcels
Active / pending
Typical Land Value
$30K/acre
Median asking
Median Price
$16K
Per listing
Solar potential
~$890/yr in electricity from a typical rooftop solar system
Produces ~6,229 kWh/yr · offsets ~59% of a typical home's use
Utility, solar, and service details for W 36th St & W 40th St Area 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.
Flood Risk
None
Not in flood zone
Nearest Park
Unnamed park
2.1 mi
Parks Nearby
0
within 1 mile
🍕 Restaurants(4)
Restaurant
Subway
Fast Food
Pompeiis Pizza
Restaurant
Fast Food
🌳 Parks(6)
+3 more within 5 miles
Frequently asked about W 36th St & W 40th St Area
- What do homes cost in W 36th St & W 40th St Area?
- The median home value in W 36th St & W 40th St Area is about $142,450. Individual prices vary by street, size, and condition.
- How active is the W 36th St & W 40th St Area housing market?
- there are 3 homes for sale in W 36th St & W 40th St Area right now, and 6 homes sold here in the last 12 months. Listings refresh throughout the day from the MichRIC MLS.
- What schools serve W 36th St & W 40th St Area?
- W 36th St & W 40th St Area is served by Baldwin Community Schools. Its highest-rated assigned school is Baldwin Senior High School (4/10).
- Is W 36th St & W 40th St Area walkable?
- W 36th St & W 40th St Area scores 3.0/10 for walkability — a measure of walking, biking, and driving access to groceries, dining, parks, schools, and transit.
