W Garfield Rd & S 96th Ave Area
Solid value in a growing area
1 home for sale·Median $364K·Walkability 1.0/10
The sight of Lake Michigan just beyond the treeline—close enough that you catch glimpses of it on clear days—gives this stretch a quiet edge that most inland neighborhoods never get. You're living on genuinely spacious ground here, with corner lots, acreage, and room to breathe; homes tend toward updated finishes and open floor plans, the kind of place where people are clearly putting down roots and staying awhile. An unnamed park sits right adjacent, and dining is just a mile away when you feel like heading out, though coffee takes a shade longer at under two miles. You're minutes from the Village of New Era and positioned where you're not cut off—the area has the feel of land and privacy without the isolation.
Why people love it here
$364K median
- 3 sales in last 12mo
Conventional Mortgage Calculator
Median home price in W Garfield Rd & S 96th Ave Area
Estimated Monthly Payment
$2,471/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.
3 homes sold in W Garfield Rd & S 96th Ave Area this year. Thinking of selling?
See what your home is worthWalkability
Car-dependent
Overall walkability score out of 10
Based on actual walk/bike/drive times to nearby amenities via Mapbox
Country Dairy Farm Store
+1 more
Lewis Coffee Company
Park on Whitehall Rd
Playground on Sikkenga Rd
+1 more
Inman Lake
+1 more
Beach on Vally Rd
Shelby Public Library
Crime in W Garfield Rd & S 96th Ave 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 Oceana County.
Oceana County crime & safety stats →To buy a median-priced W Garfield Rd & S 96th Ave Area home (around $364,000) at today's 6.49% 30-year fixed rate with 20% down, you'd need roughly $65k/year in household income to qualify — an estimated monthly payment of $2,421 (principal, interest, property tax est., and insurance).
| Down payment | Monthly payment | Income needed |
|---|---|---|
| 20% | $2,421/mo | $64,562 |
| 10% (+PMI) | $2,787/mo | $74,331 |
| 5% (+PMI) | $2,910/mo | $77,597 |
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
1 parcel
Active / pending
Typical Land Value
$7K/acre
Median asking
Median Price
$14K
Per listing
Solar potential
~$919/yr in electricity from a typical rooftop solar system
Produces ~6,430 kWh/yr · offsets ~61% of a typical home's use
Utility, solar, and service details for W Garfield Rd & S 96th Ave 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
0.5 mi
Parks Nearby
5
within 1 mile
🍕 Restaurants(6)
Restaurant
Hilltop Cheese Co
Restaurant
Frosty's Oasis
Restaurant
The Grill
Restaurant
Rusty Rooster
Restaurant
+1 more within 5 miles
☕ Coffee(1)
Lewis Coffee Company
Café
🏫 Schools(16)
New Era Christian School
Batten School
Eagle School
New Era Elementary School
School
Shelby Center School
+11 more within 5 miles
🚴 Trails(7)
Hart-Montague Bicycle Trail
Bike Path
Hart-Montague Bicycle Trail
Bike Path
Hart-Montague Bicycle Trail
Bike Path
+4 more within 5 miles
🏥 Hospitals(1)
Hospital
📚 Libraries(1)
Shelby Public Library
⚡ EV Charging(1)
EV Connect
EV Charging
Frequently asked about W Garfield Rd & S 96th Ave Area
- What do homes cost in W Garfield Rd & S 96th Ave Area?
- The median home value in W Garfield Rd & S 96th Ave Area is about $364,000. Individual prices vary by street, size, and condition.
- How active is the W Garfield Rd & S 96th Ave Area housing market?
- there is 1 home for sale in W Garfield Rd & S 96th Ave Area right now, and 3 homes sold here in the last 12 months. Listings refresh throughout the day from the MichRIC MLS.
- What schools serve W Garfield Rd & S 96th Ave Area?
- W Garfield Rd & S 96th Ave Area is served by Shelby Public Schools.
- Is W Garfield Rd & S 96th Ave Area walkable?
- W Garfield Rd & S 96th Ave Area scores 1.0/10 for walkability — a measure of walking, biking, and driving access to groceries, dining, parks, schools, and transit.