Fall asleep to stars. Wake to sunrise over the water. Lay in bed as if in a treehouse suspended over water. No land. Just water and big sky views. Stand in the middle of the house and see water from the front and rear - something you can only do on an island. Why an island? Because it's different. Because it's special. Because you can walk down a forest path to visit your neighbor, and if your guests or dogs aren't at your house, you know they haven't gone far. Because the summer weekends are full of energy and the weekdays are serene. Because when the winter lake freezes you may be the only one among a community of summer homes. An adventure, yet only a short boat ride from the mainland docks or winter walk across the blue ice, snowshoe, ski, or buy that snowmobile you've been wanting.
This is a house uniquely designed for its exact location to enjoy the view no matter what the weather is outside. A one-of-a-kind experience for that individual person who "gets" it Sleeping area and three full baths for a crowd. Ultimate master suite for privacy. Starlink high speed internet for work. Spacious art and equipped exercise room. Modern year-round amenities with a small dose of adventure. Work from home. Exercise. Paint or scrapbook with friends. Have a yoga retreat. Or just sit with a drink, relax, and laugh. Enjoy the energy of summer lake living, solitude and colors of autumn, and when the lake freezes over have the adventure of your life with rarely another around. A house not to just live in but experience. Water and sky views from every angle distinguish this luxury home designed by renowned environmental architect, Ray Kendra. Nestled on the coveted sandy side of Higgins Lake's Treasure Island, this home features geothermal heating/cooling and roof mounted Starlink capable of speeds up to 400Mbps for year-round work and recreation. In the upstairs master suite wake each morning to panoramic water views and fall asleep to the sound of moonlit water lapping at the shore. The suite's closet doubles as a ''cloffice'' and master bath features a walk-in tile shower and separate his/hers vanity areas.From the upstairs "see through" room gaze down at the water or across the horizon for big sky views. Stand in the middle and see both sides of the island through the front and back walls of windows. Four custom, built-in bunks with full size mattress offer flexible sleeping quarters each with its own window or water view. A twin bed nestled in bay windows, two closets and another full bath finish this upper-level flex space.Seamless flow between the kitchen, dining, and living area on the first level is highlighted by huge glass looking out to the water. Amenities include wood floors and cabinets, modern kitchen with double oven, and another bedroom (currently used as an office) with frosted glass pocket doors for the option of open or private space. Tiled entry from the garage includes washer/dryer and full bath including walk in shower.Above the attached garage is a vaulted ceiling bonus room currently used as an art and exercise studio but is heated/cooled for future build out as two additional bedrooms.
Metal roof, Hardi-board cement siding, and insulated high crawl space make for low maintenance living. Ready to close and play this summer - turnkey potential including pontoon boat, island dock, boat lifts, and furnishings. The island HOA maintains west shore mainland parking, docks, and boat slip.
For sale
Price cut: $104K (7/24)
$995,000
38 Treasure Island Rd, Roscommon, MI 48653
3beds
2,786sqft
Single Family Residence
Built in 2013
-- sqft lot
$961,100 Zestimate®
$357/sqft
$48/mo HOA
What's special
Hardi-board cement sidingMetal roofModern year-round amenitiesWood floors and cabinets
- 87 days
- 2,721
- 120
Zillow last checked:
Listing updated:
Listed by:
Jeri Ann Janisse info@higginslakeinfo.com,
RE/MAX of Higgins Lake 989-821-6208,
The McDonald Team 989-821-6208
Source: WWMLS,MLS#: 201840987
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 3
- Bathrooms: 3
- Full bathrooms: 3
Heating
- Geothermal
Cooling
- Geothermal
Appliances
- Included: Washer, Range/Oven, Refrigerator, Microwave, Dryer, Dishwasher
- Laundry: Main Level
Features
- Vaulted Ceiling(s), Walk-In Closet(s)
- Flooring: Hardwood
- Doors: Doorwall
Interior area
- Total structure area: 2,786
- Total interior livable area: 2,786 sqft
- Finished area above ground: 2,786
Video & virtual tour
Property
Parking
- Parking features: Garage
- Has garage: Yes
Features
- Stories: 2
- Exterior features: Dock
- On waterfront: Yes
- Waterfront features: Lake
- Body of water: Higgins Lake
Lot
- Dimensions: 95 x 97 x 100 x 102
Details
- Parcel number: 0046850130000
Construction
Type & style
- Home type: SingleFamily
- Property subtype: Single Family Residence
Materials
- Foundation: Crawl
Condition
- Year built: 2013
Utilities & green energy
- Sewer: Septic Tank
Community & HOA
Community
- Subdivision: T24N R3W
HOA
- Has HOA: Yes
- HOA fee: $570 annually
Location
- Region: Roscommon
Financial & listing details
- Price per square foot: $357/sqft
- Tax assessed value: $949,400
- Annual tax amount: $7,552
- Date on market: 6/23/2026
- Listing terms: Cash,Conventional Mortgage
- Ownership type: LLC
- Road surface type: None
Estimated market value
$961,100
$913,000 - $1.01M
$2,800/mo
Price history
| Date | Event | Price |
|---|---|---|
| 7/24/2026 | Price change | $995,000-9.5%$357/sqft |
Source: | ||
| 6/23/2026 | Listed for sale | $1,099,000+401.8%$394/sqft |
Source: | ||
| 10/13/2009 | Sold | $219,000$79/sqft |
Source: Public Record Report a problem | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2025 | $7,552 +6.1% | $474,700 +11.2% |
| 2024 | $7,115 +4.9% | $426,800 +42% |
| 2023 | $6,785 +4.2% | $300,500 +35.2% |
| 2022 | $6,511 +18.5% | $222,200 +6.6% |
| 2021 | $5,493 | $208,500 +46.9% |
| 2020 | -- | $141,900 -24.3% |
| 2019 | $4,090 | $187,400 -11.1% |
| 2018 | -- | $210,800 -1.4% |
| 2016 | -- | $213,800 +0% |
| 2015 | -- | $213,700 +16% |
| 2014 | -- | $184,300 +65.3% |
| 2013 | -- | $111,500 +15.8% |
| 2012 | -- | $96,300 -12.1% |
| 2011 | $5,122 | $109,500 |
Find assessor info on the county website
Monthly payment
Est. payment
Payment breakdown
Explore the cost of this home by adjusting the details. Changes won't be saved.Climate risks
Neighborhood: 48653
Nearby schools
Schools provided by the listing agent
- Elementary: Roscommon
- High: Roscommon
Source: WWMLS. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.








