W Madison St & Old State Rd Area
Solid value in a growing area
The quick answer
W Madison St & Old State Rd Area is a neighborhood, part of Pentwater Public School District. Homes here typically sell for around $402,000.
4 homes for sale·Median $402K·Walkability 0.0/10·Schools 6.0/10
Out here, your daily rhythm orbits around two things: the lake just a few blocks away and the breathing room that 989 acres of land provides. You're on the edge of the village proper—close enough to walk downtown for coffee or catch a summer evening at the marina, far enough out that your lot might have woods at the back or a creek running through it. Cottages with character abound, the kind with original trim and built-ins you don't see anymore, mixed in with newer builds that honor the craftsman aesthetic the area favors. Off-street parking and detached garages mean you're not hunting for a spot, and the proximity to both the state park and Lake Michigan—less than a mile away—shapes how you spend your weekends without demanding you live in the thick of tourist season.
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Why people love it here
$402K median
- 13 sales in last 12mo
Conventional Mortgage Calculator
Median home price in W Madison St & Old State Rd Area
Estimated Monthly Payment
$2,729/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.
13 homes sold in W Madison St & Old State Rd Area this year. Thinking of selling?
See what your home is worthMedian Sale · Houses
$395K
10 sales in last 12mo
Median Sale · Condos
$455K
3 sales in last 12mo
Parks Nearby
12
within 1 mile
Nearest Park
Pentwater Auxillary Sports Fields
0.7 mi
Expected Rent
$925/mo
$825 – $1,050 · estimated range
Based on 1 rated school nearby
School District: Pentwater Public School District
Walkability
Car-dependent
Overall walkability score out of 10
Based on actual walk/bike/drive times to nearby amenities via Mapbox
Pentwater Lake
Crime in W Madison St & Old State Rd 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 Madison St & Old State Rd Area home (around $402,000) at today's 6.65% 30-year fixed rate with 20% down, you'd need roughly $72k/year in household income to qualify — an estimated monthly payment of $2,708 (principal, interest, property tax est., and insurance).
| Down payment | Monthly payment | Income needed |
|---|---|---|
| 20% | $2,708/mo | $72,207 |
| 10% (+PMI) | $3,117/mo | $83,109 |
| 5% (+PMI) | $3,254/mo | $86,773 |
Estimates use a 6.65% 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
6 parcels
Active / pending
Typical Land Value
$60K/acre
Median asking
Median Price
$62K
Per listing
Solar potential
~$906/yr in electricity from a typical rooftop solar system
Produces ~6,339 kWh/yr · offsets ~60% of a typical home's use
Utility, solar, and service details for W Madison St & Old State Rd 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
Pentwater Auxillary Sports Fields
0.7 mi
Parks Nearby
12
within 1 mile
🍕 Restaurants(1)
Restaurant
🌳 Parks(4)
Pentwater Auxillary Sports Fields
Park Street Rush Street Park
Unnamed park
+1 more within 5 miles
🚴 Trails(5)
Pentwater Pathways Red Loop
Bike Path
Pentwater Pathways Blue Loop
Bike Path
Pentwater Pathways Blue/Red
Bike Path
+2 more within 5 miles
⚡ EV Charging(1)
Unnamed ev_charging
EV Charging
Atlas — Grand Rapids Real Estate
Local real estate specialists
Questions about W Madison St & Old State Rd Area? Our team can help with availability, schools, and what it's really like to live here.
Living in W Madison St & Old State Rd Area: the details
Is W Madison St & Old State Rd Area a good place to live?
Here is what the numbers say about W Madison St & Old State Rd Area as a place to live. Day to day, it is mostly a drive-first area, so you will use a car for groceries, dining and errands. This neighborhood is part of Pentwater Public School District. Homes here typically sell for around $402,000.
What does it cost to live in W Madison St & Old State Rd Area?
Homes in W Madison St & Old State Rd Area sell for a median of about $402,000. There are 4 homes for sale here right now and 13 homes sold here in the past year.
Frequently asked about W Madison St & Old State Rd Area
- What do homes cost in W Madison St & Old State Rd Area?
- The median home value in W Madison St & Old State Rd Area is about $402,000. Individual prices vary by street, size, and condition.
- How active is the W Madison St & Old State Rd Area housing market?
- there are 4 homes for sale in W Madison St & Old State Rd Area right now, and 13 homes sold here in the last 12 months. Listings refresh throughout the day from the MichRIC MLS.
- What schools serve W Madison St & Old State Rd Area?
- W Madison St & Old State Rd Area is served by Pentwater Public School District. Its highest-rated assigned school is Pentwater Public School (6/10).
- Is W Madison St & Old State Rd Area walkable?
- W Madison St & Old State Rd Area scores 0.0/10 for walkability — a measure of walking, biking, and driving access to groceries, dining, parks, schools, and transit.