What Questions Should I Ask Before Buying a Lake House in Michigan?

Buying a lake house in Michigan is one of the best investments you can make for your lifestyle — but it comes with a unique set of questions that most buyers don't know to ask. Here's a comprehensive list of what you should be asking before you make an offer.

About the water and lake access

What are the riparian rights attached to this property? Is there a private dock or shared access? Is the lake motorized, and what types of watercraft are allowed? What is the depth of the water at the dock or frontage? Are there any restrictions on dock size, construction, or use? Does the lake have a homeowners association or lake association with dues or rules?

About the property and structure

When was the septic system last inspected and pumped? Is the home on well water, and when was the well last tested? Is the home built for year-round use, or is it a seasonal structure? Has the home ever experienced flooding or water intrusion? What is the flood zone designation for this property?

About insurance and costs

Does the property require flood insurance, and what is the current annual cost? What are the current property taxes? Are there any special assessments from the township or lake association? What have annual utility costs been (heating, electric, water)?

About short-term rental potential

Are short-term rentals (Airbnb, VRBO) allowed in this township? Are there any HOA or deed restrictions that prohibit rentals? Does the seller currently rent it, and if so, what is the rental history and income?

About the neighborhood and lifestyle

How is road access in winter? Is the road publicly maintained or a private shared drive? Are there nearby restaurants, grocery stores, or medical facilities? What is the cell service and internet speed at the property?

A great buyer's agent will help you get answers to all of these questions before you close. Crystal Hallack has guided countless buyers through lakefront purchases in Oceana County and knows exactly what to look for. Contact her to start your search.