If you're thinking about selling your home in Torch Lake Township, there's an important step I want you to know about before you put your property on the market: the Time-of-Transfer evaluation, or
Dated: May 13 2026
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Owning waterfront property in Northern Michigan is about more than the view. Whether on Torch Lake, Lake Charlevoix, or along the Elk River Chain of Lakes, protecting your shoreline is one of the most important long-term investments you can make.
One of the most effective — and environmentally responsible — ways to reduce shoreline erosion is through the use of native plants.
For many lakefront owners, the instinct is to create a perfectly manicured lawn right to the water’s edge. While it may look clean and open, traditional turf grass often does very little to stabilize shoreline soils. Over time, waves, boat traffic, rain runoff, ice movement, and fluctuating water levels can slowly wear away the shoreline, leading to costly damage and loss of property.
Native shoreline vegetation works differently.
Native plants have naturally adapted to Northern Michigan’s climate, soil conditions, and water systems over thousands of years. Their deep and complex root systems help hold soil in place far better than shallow-rooted lawn grasses.
These root systems:
Reduce soil erosion from wave action
Slow runoff from rainstorms
Filter pollutants before they enter the lake
Help absorb excess nutrients that contribute to algae growth
Improve shoreline stability during seasonal water fluctuations
In short, native plants create a natural defense system for your waterfront.
A heavily manicured shoreline may appear attractive at first, but it often creates long-term issues:
Increased erosion and shoreline loss
Muddy water near the shore
Greater nutrient runoff into lakes
More maintenance and watering requirements
Reduced wildlife habitat
Hard armoring solutions like seawalls can sometimes become necessary, but they are expensive and may shift erosion problems elsewhere along the shoreline. In many cases, a properly designed native shoreline buffer can dramatically reduce the need for aggressive shoreline engineering.
Several native species perform exceptionally well along waterfront property in areas like Bellaire, Charlevoix, and Boyne City.
(pictured: blue iris)
These plants not only help stabilize shorelines but also add seasonal color, texture, and habitat for pollinators and wildlife.
Healthy shorelines help preserve water quality, which directly impacts the long-term desirability and value of waterfront real estate. Buyers are increasingly paying attention to environmental stewardship and sustainable waterfront practices.
A natural shoreline can also enhance privacy, reduce mowing and maintenance, and create a more authentic “Up North” feel that many buyers are actively seeking.
The reality is simple: a dying shoreline hurts both the lake and your investment.
You do not need to completely abandon your lawn to make an impact. Even adding a modest native buffer along the water’s edge can significantly reduce erosion and improve shoreline health over time.
Many lakefront owners start with:
Reducing mowing near the shoreline
Planting native grasses and flowers
Redirecting runoff away from the lake
Replacing failing shoreline areas with native vegetation
Working with local conservation or shoreline restoration professionals
Northern Michigan’s lakes are one of the region’s greatest assets. Protecting them requires thoughtful stewardship from waterfront owners, communities, and visitors alike.
Native shoreline plantings are not just about aesthetics — they are about preserving the beauty, water quality, and long-term stability of the lakes we all enjoy.
If you own waterfront property and are considering improvements, shoreline health should be part of the conversation. The decisions made today can help protect both your property and Northern Michigan’s incredible waterways for generations to come.
— Steve Parafin
Northern Lake Living
Serving Torch Lake, Chain of Lakes, Charlevoix, and surrounding Northern Michigan communities.
Steve Parafin is an Associate Broker serving Torch Lake, the Chain of Lakes, Charlevoix, Elk Rapids, and the surrounding Northern Michigan lake and resort communities.Since 2004, Steve has helped clie....
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