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Jenn Smart

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7054 Middle Channel , Harsens Island, MI 48028
$459,900
Est. Payment: $2,396.60/mo
2 Bed
1 Bath
1020 Sqft
Status: active | Days on site: 46
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VCR-C15903466 - VCR-C159091383,VCR-C159052275
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House Description

Experience exceptional waterfront living on the highly sought-after Middle Channel of Lake St. Clair in this beautifully updated Harsens Island ranch offering 50ft of direct waterfront. Whether you’re searching for a full-time residence, weekend retreat, or boating getaway, this move-in-ready waterfront home delivers the lifestyle buyers dream about. Enjoy panoramic water views, spectacular sunrises and sunsets, a steel seawall, expansive waterfront deck, and a private boathouse with dock and boat hoist. There is a brand-new $40,000 boathouse with an existing hoist that is currently functional and accommodates boats up to approximately 20ft, with the option to upgrade the hoist in the future for a larger boat. This an outstanding opportunity for boating enthusiasts looking for immediate access to the Middle Channel, St. Clair River, and Lake St. Clair. Inside, the bright open-concept floor plan features 2 bedrooms, 1 full bath, abundant natural light through newer Wallside windows, a spacious family room with a natural gas fireplace, ceramic tile flooring, and an updated eat-in kitchen with bar seating. Stainless steel appliances—including the refrigerator, range, microwave, dishwasher, washer, and dryer—are included. Situated on an impressive 0.52-acre lot (approx 50x450ft), the property offers exceptional outdoor space rarely found on waterfront homes. The deep lot provides exciting possibilities for future expansion, including room for a pole barn, additional storage for boats and recreational equipment, or a future guest suite or living space (subject to township approval and applicable building requirements). The detached 1.5 car garage includes electricity, while public water, septic, cable, and internet service provide modern convenience.

Highlights

Listed by Laura Janski , 810-300-0262 RE/MAX Advisors , 586-725-1900. MiRealSource, Inc. mls logo

Property Type

Residential

Lot/Acreage
0.52

Year Built

1962

County

St. Clair

Area

Clay Twp (74011)

Neighborhood

St Clair Flats Middle Channel

School District

Algonac Community School District

Listing ID

50214567

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:2
  • Bathrooms:1
  • Full Bathrooms:1
Appliances:Dishwasher, Dryer, Microwave, Range/Oven, Refrigerator, Washer
Air Cond:Ceiling Fan(s)
Fireplaces:FamRoom Fireplace,Gas Fireplace,Natural Fireplace
Above Ground Sq Ft:1020
Below Ground Sq Ft:0
Other:
  • Additional:Cable/Internet Avail., Ceramic Floors, Security System, Wet Bar/Bar, Window Treatment(s)
Water:Public Water

Exterior Features

Lot Dimensions:50 x 450
Zoning:Residential
Others:
  • Additional:Deck
Sewer:Septic
Parking Features:Detached Garage,Electric in Garage,Garage
Principal Interest
$2,397
Taxes
$182

Home Price

$459,900

Loan Details

30 yrs
6.792%

Down Payment

20%
$91,980
All calculations are estimates and provided by Blueroof360. Today’s Rates provided by Blueroof360. Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Monthly Price:
$2,396.60

Principal

Taxes

Principal Taxes HOA Total
Monthly $2,396.60 $182.00 $0.00 $2,578.60
Yearly $28,759.23 $2,184.00 $0.00 $30,943.23
Total $862,777.03 $65,520.00 $0.00 $928,297.03
Lender profile image
So-Crates Johnson
Dust, Wind, Dude
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Market insight data is pulled from the same city as the listing being viewed (Harsens Island, MI).

The schools listed are within a 2-mile radius of the property; however, attendance is not guaranteed. Please contact the local school district to confirm zoning and enrollment options.

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Data last updated: 2026-09-02T03:11:55.100Z

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