4555 Allen Cove Road , Luna Pier
$649,900

About this home
Make lake life yours! With 123 feet of Lake Erie frontage, water on three sides, and a huge yard, this Luna Pier retreat invites you to relax, entertain, and soak in the views. An open floor plan and abundant windows bring the waterfront setting inside, while the expansive bi-level deck sets the scene for outdoor dining and summer gatherings. Approximately 3,360 sq ft offers 3 bedrooms, 3 full baths, a sunroom with bar, gas-log fireplace, and a primary suite with a private lakefront balcony. A loft, bonus room, upstairs laundry, attached 2.5-car garage, and recent HVAC replacement add comfort and flexibility. Current annual flood insurance premium is $164.53. Buy this fall to celebrate the holidays by the lake or spend the winter adding your personal touches, then welcome a fun-filled spring and summer on the waterfront. Your next chapter at the lake starts here!
The facts
| Price | $649,900 |
| Beds | 3 |
| Baths | 3 full |
| Square feet | 3,360 |
| Type | Single family residence |
| Subdivision | — |
| County | Monroe |
| MLS # | 81026056004 |
| Listed | 2026-10-21 |
| Days on market | 2 |
| Year built | 1999 |
| Possession | At closing |
| Heating | Forced air, Natural gas |
| Foundation | Crawl space |
| Garage spaces | 3.0 |
| Water / Sewer | City water & sewer |
| Waterfront | Lake Erie |
| Fireplace | Yes |
| Parcel number | 5101000100 |
| Listing office | Real Estate One Inc Monroe |
Property taxes: the seller's bill vs. yours
| This seller today | You, the year after buying | |
|---|---|---|
| Taxable value | $278,145 | about $324,950 |
| Yearly property tax | $9,147 | about $10,790 |
Michigan caps a homeowner's taxable value until the home sells, then it resets. That's about $1,642 a year more than this seller pays. The assessor's state equalized value (SEV) is $331,200. 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 Luna Pier's 2025 homestead rate of 33.20 mills and assumes you claim the homestead exemption. See Luna Pier'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 Greater Metropolitan Association of REALTORS, ©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.