8395 N Channel - Harsens Island, Clay Township
$299,000
About this home
Land contract terms available. A rare opportunity for an Island Cottage on the North Channel - Harsens Island neighborhood - part of the St Clair Flats/North Channel Flats, just upstream from the entrance of Anchor Bay on Lake St Clair. The cottage is minutes away by boat from all of your favorite lake hangouts. This is a water access only Island Cottage. The cottage is just a short three minute boat ride from the mainland on Anchor Bay Drive (rented boat well/parking lot). This property is surrounded by stunning panoramic views of water, sunrise and sunset skies. The scenic beauty is endless. Words and pictures barely describe the incredible views. The property location is known for being one of the best areas for recreational boating, fishing and hunting. Enjoy an open floor plan, enclosed front porch, front and rear decks, and a 300+ foot sea wall offering exceptional dockage around the island. The property includes a 40‘ x 16‘ covered boat hoist with a 16,000 pound lift capacity (fits up to 12 foot beam) and a 12‘ x 10‘ utility storage shed. For the investors, this property has the potential of being a unique vacation rental. Cottage is turnkey ready. Owner is open to selling fully furnished. Agent is owner.
The facts
| Price | $299,000 |
| Beds | 3 |
| Baths | 1 full |
| Square feet | 1,389 |
| Type | Single family residence |
| Subdivision | — |
| County | StClair |
| MLS # | 20261051053 |
| Listed | 2026-07-06 |
| Days on market | 111 |
| Year built | 1923 |
| Possession | At closing |
| Stories | 2 stories |
| Heating | Electric, Space heater |
| Foundation | Pillar/post/pier |
| Water / Sewer | Septic |
| Waterfront | Lake St. Clair |
| Parcel number | 74149460014000 |
| Listing office | EXP Realty Shelby Twp |
Property taxes: the seller's bill vs. yours
| This seller today | You, the year after buying | |
|---|---|---|
| Taxable value | $26,299 | about $149,500 |
| Yearly property tax | $1,320 | about $3,776 |
Michigan caps a homeowner's taxable value until the home sells, then it resets. That's about $2,456 a year more than this seller pays. The assessor's state equalized value (SEV) is $67,900. Your taxable value resets to the SEV the year after you buy, and assessors usually raise it to about half the sale price. Estimate uses Clay Township's 2025 homestead rate of 25.25 mills and assumes you claim the homestead exemption. See Clay Township's full tax breakdown or run the uncapping calculator.
Ask Match Realty about this home
IDX provided courtesy of Realcomp II Ltd. via Match Realty LLC and Realcomp II Ltd, ©2026 Realcomp II Ltd. Shareholders. The accuracy of all information, regardless of source, is not guaranteed or warranted. All information should be independently verified. Listings refreshed 2026-10-25T23:19+00:00; refreshed at least twice daily.