07/21/2025
TIPS ON BUYING LAKEFRONT PROPERTY - PART ONE
THIS IS FIRST IN A SERIES OF TIPS ON BUYING LAKEFRONT PROPERTY - MORE TIPS TO FOLLOW!
WHY IS LOCATION ON THE LAKE IMPORTANT?
It impacts the value of your home. For example, every lake must have a wetland area. Itâs what keeps the lake clean. As âdirtyâ water flows into the wetland, the aquatic plants filter it by absorbing nutrients. The result is, clean water flowing back out. While you certainly want a wetland area on the lake, this is not the area of the lake in which you want to live if you want to be able to swim in front of your home. As a result, homes in the wetland areas of lakes will be less expensive, since the frontage is considered less desirable. However, if swimming isnât important, but wildlife is, then this is the spot for you. Wetlands support wildlife and nesting aquatic birds. As a result, wildlife tends to be abundant in those areas of the lake. Also, itâs a quieter part of the lake, since powerboats have a difficult time navigating wetlands.
WHAT ARE âRIPARIAN RIGHTSâ AND WHY DO I WANT THEM?
Keep in mind that in Michigan, The DNR (Department of Natural Resources) controls the water. If you have a property with Riparian Rights, you own the shoreline and the land under the water to a specific point in the lake, the DNR âownsâ the water. When you buy a lakefront home, be sure you have Riparian Rights. That's very important. If it's "Greenbelt" lakefront you don't. Greenbelt means you own the property up to a certain number of feet away from the shoreline, but not the shoreline itself. If you don't own the shoreline you don't have any Riparian Rights, which means you only have the right to walk over the Greenbelt to get to the lake (but so can anyone else). You can't alter the shoreline in any way, which prohibits you from putting in a dock or permanently anchoring your boat there. If those things are important to you, avoid Greenbelt properties.
WHO WILL HAVE ACCESS TO MY LAKE?
The DNR has boat launches on certain lakes. Those are considered âpublic accessâ lakes. Anyone can launch a boat there. As a result, those are very busy lakes. Large lakes (over 250 acres) can handle that traffic, but smaller ones cannot. As a result, most small lakes would not have DNR access. But a few do, so avoid them. Go to my website; www.cathyblight.com and click on "DNR Lake Map Info" to connect to the DNR lake maps. They'll indicate the size and depth of the lake, what type of bottom (sandy, marl or muck) and whether or not there's DNR access.
WHAT SIZE AND TYPE OF LAKE DO I WANT?
The lake you choose depends on your lifestyle. Remember, the larger the lake, the more youâll pay. Why pay a premium for a large âall sportsâ lake if you only want to enjoy the wildlife and kayak?
VERY SMALL âPRIVATEâ LAKES 20-40 ACRES
If youâre not interested in power boating, pontooning, skiing, or jet skiing, and prefer wooded seclusion, lots of wildlife, kayaking, canoeing and fishing, stick to small private lakes. These tend to be around 20-40 acres. Private lakes limit access to residents only. Some of these lakes allow small electric motors, or small pontoons with electric motors, but nothing larger. These are âno wakeâ lakes. However, some donât allow any type of motorized boat at all. These are âno motorâ lakes.
SMALLâSEMI-PRIVATEâ LAKES 50-75 ACRES:
If you want to be able to have a pontoon or a ski boat, but still want to be on a small quiet lake, choose a little larger one, around 50-75 acres. Due to their size, these lakes often limit access to the surrounding homes only. So theyâre quieter than larger all sports lakes.
âLIMITED ACCESS-ALL SPORTSâ LAKES 100-200 ACRES;
If you want to be on a bigger all sports lake with limited traffic, choose a limited-access lake that's larger; 100-275 acres. These lakes donât have a DNR access for the general public, so boat traffic is reduced. Some limit the access to residents only. Others allow an entire township or more to have access. So itâs important to find out who qualifies for access.
LARGE âPUBLIC ACCESS-ALL SPORTSâ LAKES AND âCHAINS OF LAKESâ
If you like to stay out in your boat all day, choose a very large lake (350 acres or more) or a lake on a âChain of Lakesâ. The largest chains here in Livingston County are the âPortage Chainâ of 7 lakes or the âPatterson Chainâ of 5 lakes. Homes on Chains willbe more expensive because you have access to so many lakes. Occasionally you can find a home on the chain thatâs less expensive because itâs located on one of the waterways that connect the lakes or itâs on one of the small lakes in the chain. However, Chains will be busy, because there will be at least one DNR public access or more, and often there are public marinas as well.
LARGE âPRIVATE-ALL SPORTSâ LAKES OVER 250 ACRES
The best of both worlds! A large all sports lake, with very limited traffic. The only lakes I know of in Southeast Michigan like that, are Lake Shannon in northeastern Livingston County and Lake Sherwood in SW Oakland. Lake Shannon is over 350 acres and Lake Sherwood is about 265 acres. Both are completely private, with very active homeowners associations. They limit access to lake residents only. As a result, homes on these lakes tend to be more expensive than homes on similar size lakes.
STAY TUNED! MORE TIPS TO FOLLOW!