Agent profile image in chat bubble
Agent profile image in chat header

Jenn Smart

| SEO pages, v2 chat

Agent profile image in message

46916 Spruce , Utica, MI 48315
$499,900
Est. Payment: $2,605.05/mo
4 Bed
4 Bath
2388 Sqft
Status: pending | Days on site: 7
Get Pre-Qualified
VCR-C15903466 - VCR-C159091383,VCR-C159052275
By proceeding you are providing Jenn Smart with your express written consent to send you marketing and promotional communications via calls or prerecorded messages dialed by a natural person or by using an artificial or automated telephone dialing system.

By checking the box, you consent to receive marketing text messages. If checked, you consent to receiving texts including marketing and promotional communications, from Jenn Smart. Messages and data rates may apply. Message frequency varies. To opt out of text messages, reply STOP. Your consent is not required as a condition of any purchase. By continuing, you also agree to our Terms & Conditions and Privacy Policy.

House Description

Welcome to your own slice of "up north" without ever leaving Metro Detroit! This stunning 4-bedroom, 3.5-bath split-level home sits directly on Cedar Lake in the sought-after Cedar Lake subdivision, offering the kind of waterfront lifestyle buyers dream about. Swim, fish, or ice skate right from your backyard, then unwind on the large deck overlooking the water. Downstairs, the finished walk-out basement is an entertainer's dream -- complete with a second full kitchen, wet bar, full bath, and a cozy fireplace, giving you and your guests direct access to the lake and endless space to gather. The main floor offers a private primary suite with its own full bath, while three additional bedrooms and a full bath upstairs provide plenty of room for family or guests. A convenient first-floor laundry/mudroom adds everyday functionality to this beautifully designed layout. With easy access to Metro Detroit's best shopping, dining, and freeways, this Cedar Lake gem delivers the perfect blend of waterfront serenity and everyday convenience. Don't miss this rare opportunity to own on the water -- schedule your private showing today!

Highlights

Listed by Eric Jurmo , 586-524-1829 and Kirk Jurmo , 586-524-1829 KW Platinum , 586-949-0200. MiRealSource, Inc. mls logo

Property Type

Residential

Lot/Acreage
0.33

HOA Fee

390 Yearly

Year Built

1987

County

Macomb

Area

Shelby Twp (50007)

Neighborhood

Cedar Lakes Sub

School District

Utica Community Schools

Listing ID

61016689

Questions about this listing?

Contact Agent

Interior Features

Bedrooms and Bathrooms
  • Bedrooms:4
  • Bathrooms:4
  • Full Bathrooms:3
  • 1/2 Bathrooms:1
Appliances:Dishwasher, Disposal, Dryer, Microwave, Range/Oven, Refrigerator, Washer
Air Cond:Central A/C
Fireplaces:LivRoom Fireplace
Above Ground Sq Ft:2388
Below Ground Sq Ft:1500
Basement:Finished,Walk Out
Water:Public Water

Exterior Features

Lot Dimensions:90 x 130
Others:
  • Additional:Deck, Porch
Sewer:Septic
Parking Features:Attached Garage
Principal Interest
$2,605
Taxes
$530
HOA
$390

Home Price

$499,900

Loan Details

30 yrs
6.792%

Down Payment

20%
$99,980
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:
$2,605.05

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $2,605.05 $530.08 $390.00 $3,525.13
Yearly $31,260.58 $6,361.00 $4,680.00 $42,301.58
Total $937,817.44 $190,830.00 $140,400.00 $1,269,047.44
Lender profile image
So-Crates Johnson
Dust, Wind, Dude
GET PRE-QUALIFIED

Never Miss a Property

Be the first to know when a property hits the market.

Current Listings

Last 30 Days
N/A
Sep 2026

Average Price

All Price Ranges
N/A
Sep 2026

Average Days on Market

All Price Ranges
N/A
Sep 2026
Market insight data is pulled from the same city as the listing being viewed (Utica, 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.

The information published and disseminated by MiRealSource is communicated verbatim, without change by MiRealSource, as filed with MiRealSource by its members. The accuracy of all information, regardless of source, is not guaranteed or warranted. All information should be independently verified.

Copyright 2026 MiRealSource. All rights reserved. The information provided hereby constitutes proprietary information of MiRealSource, Inc. and its shareholders, affiliates and licensees and may not be reproduced or transmitted in any form or by any means, electronic or mechanical, including photocopy, recording, scanning or any information storage and retrieval system, without written permission from MiRealSource, Inc.

Provided through IDX via MiRealSource. Courtesy of MiRealSource Shareholder. Copyright MiRealSource.

IDX service by Blueroof 360

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

© 2026 MiRealSource, Inc.

MLS Logo - MiRealSource, Inc.