What makes waterfront property different from a typical home purchase?
A waterfront property is a home and a relationship with a body of water. The second part is what makes the purchase different, and what deserves the most careful attention.
The shoreline is part of the property
What does the frontage look like: sandy, rocky, steep, or soft? What is the condition of any seawall, dock, or stairs? Is the shoreline stable? Photographs rarely answer these questions, so look closely and bring the right experts.
Access and rights vary
Private frontage, shared beach rights, and easement access are not the same. Confirm what actually conveys with the property, in writing, before you rely on it.
Orientation, privacy, and use
Consider which way the home faces, how visible it is from the water and from neighbors, and how you intend to use it. A seasonal retreat and a year-round home place different demands on a property.
Maintenance is part of the cost
Water, ice, wind, and moisture are tough on structures. Docks, walls, decks, and drainage need ongoing care. Ask about the history of maintenance and repairs, and think realistically about the upkeep you are taking on.
Regulations belong with the experts
Rules affecting shorelines, docks, wetlands, floodplains, and water use can be specific to a property and can change. Those questions belong with the appropriate governmental authority or a qualified professional. State agencies such as EGLE are a starting point for understanding which programs may apply.
Think about resale
The features that make a waterfront property special to you may or may not be those future buyers value most. It helps to consider both as you decide.
Due diligence deserves extra time
Plan for inspections and investigations beyond the standard ones. Build that time into your timeline, and decide in advance which findings would change your decision.
This article offers general guidance and is not legal, environmental, or engineering advice. It contains no statistics.
Frequently asked questions
Do I need a special inspection for a waterfront home?
Often the standard inspection is only a starting point. Seawalls, docks, shoreline conditions, drainage, and similar features may call for specialists, so plan your due diligence around the specific property.
Who can answer questions about permits and regulations?
The relevant governmental authority or a qualified professional such as an attorney, surveyor, or environmental specialist. A real estate agent can help you know what to ask, but should not be your source for legal or environmental advice.
What does “water access” actually include?
It varies. Private frontage, shared access, and easements are very different. Confirm in writing what rights come with a property rather than relying on a listing description.
Sources and further reading
- Michigan Department of Environment, Great Lakes, and Energy (EGLE) — State of MichiganEGLE administers state programs related to water resources such as inland lakes and streams, wetlands, floodplains, and Great Lakes shorelands. Contact the appropriate agency for questions about a specific property.