Smallwood Lake -- it has water in front of the house. The property has two lots , but is assessed as one, so entire lot between house and the next house is a private side yard. Home has 3 bedrooms and 3 bathrooms. Home has 2589 sq ft counting the walk-out basement. 1120 sq ft in the basement level that is walk-out to the water side of the house. The garage is 40' x 30' with office space . Newer washer and dryer stay. Stove and refrigerator and dishwasher all stay. Furnace was new in 2017, Central air is about 8 years old, flooring on the main level is about 2 years old. https://www. four-lakes-taskforce-mi.com/updates, to check for updates
Single-familyProperty Type
1996Year Built
0.5 acresLot Size
$148Est. Price/Sq.Ft.
3 car garageParking
Listed by Gwendolyn Breault• Ayre/Rhinehart-Midland
•989-631-7000 (broker)
•jmiller@ARhouse.com (broker)
Bought with Brittani Purman• Real Estate One Great Lakes Bay
Smallwood Lake -- it has water in front of the house. The property has two lots , but is assessed as one, so entire lot between house and the next house is a private side yard. Home has 3 bedrooms and 3 bathrooms. Home has 2589 sq ft counting the walk-out basement. 1120 sq ft in the basement level that is walk-out to the water side of the house. The garage is 40' x 30' with office space . Newer washer and dryer stay. Stove and refrigerator and dishwasher all stay. Furnace was new in 2017, Central air is about 8 years old, flooring on the main level is about 2 years old. https://www. four-lakes-taskforce-mi.com/updates, to check for updates
Public Records
Aug 14, 2007
Sold
$165,000
$64/sq ft
Greater Lansing AoR #41003173
Jul 14, 2005
Listing Removed
—
Jul 14, 2005
Listing Removed
—
Oct 4, 2004
Listed
$299,900
$116/sq ft
Year
Property tax
Land + Additions
Assessment*
2025
$3,396 (−2.8%)
2024
$3,495 (+169.6%)
2023
$1,296 (−59.0%)
2022
$3,158 (+16.0%)
2021
$2,722 (+2.7%)
2020
$2,650 (−2.5%)
2019
$2,717 (+9.2%)
2018
$2,488 (+3.4%)
2017
$2,407 (−38.9%)
2016
$3,941 (+2.1%)
2015
$3,861 (+6.2%)
2014
$3,636 (+1.5%)
2013
$3,583
Tax history for 766 Rivers Terrace Rd
Year
Property tax
Land + Additions
Assessment*
2025
$3,396 (−2.8%)
2024
$3,495 (+169.6%)
2023
$1,296 (−59.0%)
2022
$3,158 (+16.0%)
2021
$2,722 (+2.7%)
2020
$2,650 (−2.5%)
2019
$2,717 (+9.2%)
2018
$2,488 (+3.4%)
2017
$2,407 (−38.9%)
2016
$3,941 (+2.1%)
2015
$3,861 (+6.2%)
2014
$3,636 (+1.5%)
2013
$3,583
*Taxable value of land and structures on it ("additions") is determined regularly by local assessors and does not affect market price.
Public record
Beds
—
Baths
—
Stories
—
Lot width
124 ft.
Lot depth
186 ft.
Lot size
0.53 Acres
Year renovated
—
Sq. Ft.
—
Year built
—
Style
Single Family Residential
County
Gladwin County
APN
110-274-000-083-00
Parking Spaces
—
Basement
—
Accessible
—
HOA Dues
—
Garage
—
Features
—
Last updated by owner on Aug 7, 2026.
Property details
Parking
Parking/Garage Information
Has Garage
Garage Dimensions: 40 x 30
# of Parking Spaces in Garage: 3
Garage Type: Detached Garage, Workshop
Interior
Interior Features
Appliances: Dishwasher, Dryer, Range/Oven, Refrigerator, Washer, Water Softener (Owned)
Bedroom Information
Bedroom 1 Level: Upper
Bedroom 1 Dimensions: 17 x 20
Bedroom 1 Floor Covering: Other
Bedroom 1 Floor Covering: Other
Bedroom 2 Level: First
Bedroom 2 Dimensions: 12 x 16
Bedroom 3 Dimensions: W=10
Bathroom Information
Basement
# of Bathrooms (Full): 3
# of Baths/Lavatories (Total): 3
Bathroom 1 Information
Bathroom 1 Level: Upper
Bathroom 1 Length: 510
Bathroom 2 Information
Bathroom 2 Level: First
Bathroom 2 Length: 6
Bathroom 2 Width: 8
Bathroom 3 Information
Bathroom 3 Level: Basement
Bathroom 3 Length: 5
Bathroom 3 Width: 10
Dining/Kitchen Information
Kitchen Floor Covering: Other
Kitchen Level: First
Kitchen Dimension: 10 x 12
Dining Room Level: First
Dining Room Dimension: 8 x 12
Family/Great Room Information
Family Room Level: Lower
Family Room Dimensions: 15 x 28
Library/Den/Living Room Information
Living Room Floor Covering: Other
Living Room Level: First
Living Room Dimensions: 19 x 16
Library/Den Level: Lower
Library/Den Dimensions: 12 x 16
Laundry/Basement Information
Basement : Has Basement
Basement Type: Finished, Full
Laundry Room Level: Lower
Exterior
Exterior Features
Exterior Construction: Vinyl Siding
Foundation Type: Basement
Property Features
On Waterfront
Water Features: Sea Wall, Waterfront
Frontage Type: Road
Lake Name: Smallwood Lake
Property Information
Property Type: Residential
Structure Style: 1 1/2 Story
Year Built: 1996
Below Grade Sq. Ft.: 0
Below Grade Sq. Ft. (Finished): 0
Lot Information
SITE/LOT FEATURES: Wooded
Lot Size: 120,186
Land Information
Land Contract: No
Acreage: 0.5
Roads: Paved Street
Frontage: 134
Financial
Tax/Assessments Information
Taxable Value Year: 2024
Taxable Value: $113,830
Total Tax Year: 2023
Total Tax Amount: $3,422
Summer Tax Year: 2024
Summer Tax Amount: $1,296
Winter Tax Year: 2023
Winter Tax Amount: $2,126
Has Assessments
Assessments Amount: $208
Utilities
Utility Information
Heat/Fuel Type: LP/Propane Gas
Water Heater: Electric
Water: Private Well
Cooling System: Central A/C
Heating System: Forced Air
Sewer Septic: Septic
Location
Unit 5 Information
Living Room Dimensions: L=2580
School Information
School District: Gladwin Community Schools
School District: Gladwin Community Schools
Address Information
Street Designation: Road
Location Details
Directions: M-30 to Old M-30 to Rivers Rd to Rivers Terrace
Municipality Type: Township
Municipality: Hay Twp
Mail City: Gladwin
Subdivision: Rivers Sub NO 4
Municipality: Hay Twp
Area (Municipality): Hay Twp (26011)
Public facts
Beds: —
Baths: —
Sq. Ft.: —
Stories: —
Lot Size: 0.53 acres
Style: Single Family Residential
Year Built: —
Year Renovated: —
County: Gladwin County
APN: 110-274-000-083-00
Home facts updated by county records on Aug 7, 2026
Other
Listing Information
Originating MLS: Bay County REALTOR Association
No
Around this home
Schools
Gladwin Elementary School
Public PreK-2 • Assigned • 6.8mi
Gladwin Junior High School
Public 6-8 • Assigned • 6.8mi
6/10
Gladwin High School
Public 9-12 • Assigned • 6.9mi
9/10
Provided by GreatSchools
Lifestyle
Provided by Walk Score and Local Logic
Climate risks
1/10 Flood Factor
Minimal risk of a flood reaching the building in the next 30 years
1/10 Fire Factor
Unlikely to be in a wildfire in next 30 years
2/10 Heat Factor
7 days above 96° expected this year, 14 days in 30 years
1/10 Wind Factor
Minimal risk of severe winds over next 30 years
2/10 Air Factor
0 unhealthy days expected this year, 1 days in 30 years
Provided by First Street
Historical weather
Gladwin, MI • 48624
Average low and high temperatures (°F)
26
13
32
16
47
27
58
36
65
44
79
56
83
61
80
58
76
52
64
41
46
33
33
21
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
Sun exposure
In this area, properties receive around 9.6 hours in
June and 2.3 hours in December, placing it below the
U.S. average for solar exposure.
9.6 hrs
2.3 hrs
JuneDecember
Provided by Shadowmap
Estimated sale price
$364,000 – $440,000
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