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For sale
  • Price cut: $104K (7/24)
    $995,000

    38 Treasure Island Rd, Roscommon, MI 48653

    3beds
    2,786sqft
    : 
    $6,556/mo
    Get pre-qualified
    Single Family Residence
    Built in 2013
    -- sqft lot
    $957,300 Zestimate®
    $357/sqft
    $-- HOA

    What's special

    Hardi-board cement sidingMetal roofWood floors and cabinets
    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.
    40 days
    |
    4,765
    |
    149
    |

    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#: 201840987MLS Logo

      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
      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

        $957,300

        $909,000 - $1.01M

        $2,600/mo

        Price history

        DateEventPrice
        7/24/2026Price change$995,000-9.5%$357/sqft
        Source: WWMLS #201840987 Report a problem
        6/23/2026Listed for sale$1,099,000+401.8%$394/sqft
        Source: WWMLS #201840987 Report a problem
        10/13/2009Sold$219,000$79/sqft
        Source: Public Record Report a problem

        Public tax history

        YearProperty taxesTax 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.
        All calculations are estimates and provided by Zillow, Inc. for informational purposes only. Actual amounts may vary.
        HOA fees may include property taxes on listings classified as Co-Ops. Contact the listing agent and/or owner for fee details.
        Mortgage interest rates are dependent on a number of factors, including credit score, down payment, and repayment length. Interest rate data provided by Zillow Group Marketplace, Inc. as of 1/1/1970 from various mortgage lenders with which we have lead or other similar arrangements; the Estimated Payment is an average of those rates.
        See how much you could borrow to make a competitive offer.

        Climate risks

        Neighborhood: 48653

        Getting around

        7 / 100
        Car-Dependent
        25 / 100
        Somewhat Bikeable

        Nearby schools

        GreatSchools rating
        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.

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