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      <image:title>Local Areas - Orchards, Vineyards and Two Arms of the Bay: Living on Old Mission Peninsula - Make it stand out</image:title>
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      <image:title>Local Areas - Resort Views and Cherry Farms: Living in Acme Township - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Local Areas - Between the Bay and Elk Lake: Living in Elk Rapids - Make it stand out</image:title>
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      <image:title>Local Areas - Where the Pines Make Music: The Case for Interlochen - Make it stand out</image:title>
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      <image:title>Local Areas - The End of the Road, and That’s the Point: Northport - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <loc>https://www.taylorbrownrealtor.com/localareas/fishtown-forever-the-enduring-pull-of-leland</loc>
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      <image:title>Local Areas - Fishtown Forever: The Enduring Pull of Leland - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Local Areas - Fishtown Forever: The Enduring Pull of Leland</image:title>
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      <image:title>Local Areas - The Quiet Side of the Dunes: Why We Love Empire - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Local Areas - Why Suttons Bay Is the Walk-to-Town Spot - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Local Areas - Why Suttons Bay Is the Walk-to-Town Spot - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Local Areas - Why Suttons Bay Is the Walk-to-Town Spot - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Local Areas - City Living, Up North Style: A Guide to Downtown Traverse City - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Local Areas - City Living, Up North Style: A Guide to Downtown Traverse City - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Local Areas - City Living, Up North Style: A Guide to Downtown Traverse City - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Local Areas - The Heart of the Peninsula: Getting to Know Lake Leelanau - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Local Areas - The Heart of the Peninsula: Getting to Know Lake Leelanau - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Local Areas - The Heart of the Peninsula: Getting to Know Lake Leelanau - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Local Areas - Close to Town, Still in Leelanau: Elmwood Township - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Local Areas - Close to Town, Still in Leelanau: Elmwood Township - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Local Areas - Close to Town, Still in Leelanau: Elmwood Township - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Local Areas - Frankfort: A Harbor Town on the Lake Michigan Shore - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Local Areas - Frankfort: A Harbor Town on the Lake Michigan Shore - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Local Areas - Frankfort: A Harbor Town on the Lake Michigan Shore - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Local Areas - Frankfort: A Harbor Town on the Lake Michigan Shore - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Local Areas - Cedar is Leelanau Unfiltered: Woods, Land, and Room to Spread Out - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Local Areas - Cedar is Leelanau Unfiltered: Woods, Land, and Room to Spread Out - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/68993a8940442344e7b8a9fb/5d3874ff-caea-4fb5-9b01-a0a654f6df28/Cedar_38.jpg</image:loc>
      <image:title>Local Areas - Cedar is Leelanau Unfiltered: Woods, Land, and Room to Spread Out - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Local Areas - Resort Golf and Open Country: A Look at Williamsburg - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Local Areas - Resort Golf and Open Country: A Look at Williamsburg - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Local Areas - Resort Golf and Open Country: A Look at Williamsburg - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/68993a8940442344e7b8a9fb/5469d170-fdbf-4669-8139-e4b081ae8f26/Golfview_32.jpg</image:loc>
      <image:title>Local Areas - Resort Golf and Open Country: A Look at Williamsburg - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <loc>https://www.taylorbrownrealtor.com/localareas/glen-arbor</loc>
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    <lastmod>2026-10-26</lastmod>
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      <image:title>Local Areas - Living in a Postcard: The Reality of Glen Arbor - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/68993a8940442344e7b8a9fb/ee92213c-c941-4a40-b06c-aa5c7b13ca01/4gGS6vD0Tg2_Ksf0vD5lkA.jpeg</image:loc>
      <image:title>Local Areas - Living in a Postcard: The Reality of Glen Arbor - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/68993a8940442344e7b8a9fb/b852667d-a6e2-4f06-8149-8229ef6e7a10/Hawks_Nest_20.jpg</image:loc>
      <image:title>Local Areas - Living in a Postcard: The Reality of Glen Arbor - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/68993a8940442344e7b8a9fb/addd7b72-e6e0-4008-8061-e044159fb946/Lake_Drone_27.jpg</image:loc>
      <image:title>Local Areas - Living in a Postcard: The Reality of Glen Arbor - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/68993a8940442344e7b8a9fb/1766426471913-KY0ISMRSRDR8SFMYEDW5/Faculty_19.jpg</image:loc>
      <image:title>Local Areas - Living in a Postcard: The Reality of Glen Arbor - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/68993a8940442344e7b8a9fb/7775ce3a-4489-4b96-b056-f3a14e5c533b/Lake_Drone_42.jpg</image:loc>
      <image:title>Local Areas - Living in a Postcard: The Reality of Glen Arbor - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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  <url>
    <loc>https://www.taylorbrownrealtor.com/strguide</loc>
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    <loc>https://www.taylorbrownrealtor.com/strguide/the-2026-guide-to-northern-michigan-short-term-rentals</loc>
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    <loc>https://www.taylorbrownrealtor.com/market-field-notes</loc>
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    <loc>https://www.taylorbrownrealtor.com/market-field-notes/cottage-sale-tax-exclusion-michigan</loc>
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    <lastmod>2026-10-27</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/68993a8940442344e7b8a9fb/1793114036016-TDQTW2HB5PHU7UA53BBP/unsplash-image-1ddol8rgUH8.jpg</image:loc>
      <image:title>Market Field Notes - Will You Owe Tax When You Sell the Family Cottage?</image:title>
      <image:caption>Sooner or later every second-home owner in this market asks whether they'll owe tax when the cottage sells. The answer turns on one question that has nothing to do with the sale price: was it ever your main home? The rule people half remember Federal law lets you exclude up to $250,000 of gain on a home sale from your income, or $500,000 on a joint return. The word that gets skipped is "main." You have to have owned the home for at least 24 months of the 5 years before the sale, and lived in it as your residence for at least 24 months of those same 5 years. The months don't need to be consecutive. And if you're filing jointly and want the full $500,000, both spouses have to pass the use test on their own. A cottage you open on Memorial Day and close up after Labor Day is a place you visit, and counting those summers toward the 24 months is how people end up surprised in the title office. I'm describing what the IRS publishes here, not telling you how to file your return, so run your own numbers past a CPA. Where Northern Michigan owners trip on it Selling the downstate house after you've moved up here full time usually works fine, because that was your main home. Selling the cottage you kept as a getaway usually doesn't get the exclusion at all, since it never was one. Rentals are the next trap. If you've rented a place out (plenty of owners in Leelanau and Antrim counties do, and our short-term rental guide shows how the township rules differ), depreciation you claimed or were allowed to claim after May 6, 1997 gets recaptured, and Publication 523 says you can't exclude that portion of the gain. Owners who later move into the old rental to qualify run into a second rule: any period after 2008 when the property wasn't your principal residence is generally treated as nonqualified use, and the gain tied to those years can't be excluded. There's also a look-back. If you excluded gain on a different home in the two years before this sale, the exclusion generally isn't available again, with exceptions spelled out in that same publication. Inherited cottages are a different animal If the cottage came to you after a parent died, your basis is generally the home's fair market value on the date of death, not what your parents paid in the 1970s (Publication 523 walks through this, including the surviving-spouse math). Sell it reasonably close to that value and there may be little gain to talk about. Sell it three years later after the lakefront market has moved, and the gain is measured from that stepped-up number. I don't know your family's situation and I'm not going to guess at it, but get the date-of-death appraisal if there's any chance you'll sell. What doesn't go away on an inherited or gifted cottage is the property tax side. A transfer can uncap the taxable value, which we covered in the uncap post, and the state transfer tax that applies at sale is in this one. Before you list Pull your purchase closing statement and every receipt you can find for improvements: the new dock, the roof, the septic tank replacement. Count the months you actually lived there as a main home. If you're short of 24, ask your CPA whether a few more weeks changes the picture before the sign goes in the yard. That phone call costs little next to the number it could move. If you're weighing a sale and want to talk through timing from the market side, reach out. We can pull recent comparable sales for your lake or road and tell you what's moving. The tax side stays with your CPA. Checked against the sources linked above in October 2026. Taylor Brown, Realtor Taylor@taylorbrownrealtor.com Text (231) 360-1510 or call (231) 403-0909</image:caption>
    </image:image>
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    <lastmod>2026-10-20</lastmod>
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      <image:title>Market Field Notes - Northport: Read the Sewer Map Before You Read the Listing - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.taylorbrownrealtor.com/market-field-notes/how-to-find-out-if-a-house-up-north-will-ever-get-fiber</loc>
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    <lastmod>2026-09-06</lastmod>
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      <image:title>Market Field Notes - How to Find Out If a House Up North Will Ever Get Fiber - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.taylorbrownrealtor.com/market-field-notes/should-you-test-for-radon-before-you-close-on-a-house-in-traverse-city</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-10-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/68993a8940442344e7b8a9fb/1788609250011-FJR9M4L7Q8KJQV96CBFL/unsplash-image-u_khkgVDmxA.jpg</image:loc>
      <image:title>Market Field Notes - Should You Test for Radon Before You Close on a House in Traverse City? - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.taylorbrownrealtor.com/market-field-notes/michigan-makes-a-roof-in-leelanau-hold-three-times-the-snow-of-one-in-oakland-county-heres-what-101-inches-a-year-actually-does-to-a-house</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-09-04</lastmod>
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      <image:title>Market Field Notes - Michigan Makes a Roof in Leelanau Hold Three Times the Snow of One in Oakland County. Here’s What 101 Inches a Year Actually Does to a House. - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.taylorbrownrealtor.com/market-field-notes/the-listing-says-year-round-up-north-thats-a-claim-not-a-fact-heres-the-four-line-test-before-you-believe-it</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-09-04</lastmod>
    <image:image>
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      <image:title>Market Field Notes - The Listing Says “Year-Round.” Up North, That’s a Claim, Not a Fact. Here’s the Four-Line Test Before You Believe It. - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.taylorbrownrealtor.com/market-field-notes/michigan-burns-more-home-propane-than-any-other-state-up-north-the-gas-main-ends-right-where-the-listings-get-good-and-the-cheap-window-closes-october-1</loc>
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    <priority>0.5</priority>
    <lastmod>2026-09-04</lastmod>
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      <image:title>Market Field Notes - Michigan Burns More Home Propane Than Any Other State. Up North, the Gas Main Ends Right Where the Listings Get Good — and the Cheap Window Closes October 1. - Make it stand out</image:title>
      <image:caption>A residential propane tank in the yard of a rural Northern Michigan property</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.taylorbrownrealtor.com/market-field-notes/the-cottage-that-cant-get-a-mortgage-still-sells-every-week-up-north-the-land-contract-that-moves-it-uncaps-your-taxes-the-day-you-sign</loc>
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    <priority>0.5</priority>
    <lastmod>2026-09-04</lastmod>
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      <image:title>Market Field Notes - The Cottage That Can’t Get a Mortgage Still Sells Every Week Up North. The Land Contract That Moves It Uncaps Your Taxes the Day You Sign. - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.taylorbrownrealtor.com/market-field-notes/adu-rules-michigan-garfield-township</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-10-02</lastmod>
    <image:image>
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      <image:title>Market Field Notes - Lansing Wants to Put a Granny Flat in Every Michigan Backyard. In Garfield Township, the Only Legal ADU Is Still the Farmhand’s House. - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.taylorbrownrealtor.com/market-field-notes/michigan-land-division-act-split-limit-parent-parcel-northern-michigan</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-09-04</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/68993a8940442344e7b8a9fb/1787945978721-NGRSLJ6EDYNOFG8PIVPG/unsplash-image-pvtU8S8KWEw.jpg</image:loc>
      <image:title>Market Field Notes - Michigan Just Raised the Split Limit on a 10-Acre Parcel From Four Lots to Ten. If Your Deed Doesn’t Print a Number, You Get Zero. - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.taylorbrownrealtor.com/market-field-notes/nobody-orders-a-survey-at-a-michigan-closing-anymore-after-15-years-the-wrong-fence-wins</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-09-04</lastmod>
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      <image:title>Market Field Notes - Nobody Orders a Survey at a Michigan Closing Anymore. After 15 Years, the Wrong Fence Wins. - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.taylorbrownrealtor.com/market-field-notes/a-1965-deed-restriction-beat-short-term-rentals-in-leelanau-county-michigan-just-extended-the-deadline-that-decides-whether-yours-is-still-alive</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-09-04</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/68993a8940442344e7b8a9fb/1787397678084-TEW50CE964H94CG7P4BF/unsplash-image-Q9y3LRuuxmg.jpg</image:loc>
      <image:title>Market Field Notes - A 1965 Deed Restriction Beat Short-Term Rentals in Leelanau County. Michigan Just Extended the Deadline That Decides Whether Yours Is Still Alive. - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.taylorbrownrealtor.com/market-field-notes/michigan-measures-your-septic-against-a-60-year-erosion-line-acme-peninsula-and-traverse-city-are-all-on-that-map</loc>
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    <priority>0.5</priority>
    <lastmod>2026-09-04</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/68993a8940442344e7b8a9fb/1787140942706-Y432EEP5Y0H9ODMGQYL4/unsplash-image-ZOUbumyWZ6o.jpg</image:loc>
      <image:title>Market Field Notes - Michigan Measures Your Septic Against a 60-Year Erosion Line. Acme, Peninsula, and Traverse City Are All on That Map. - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.taylorbrownrealtor.com/market-field-notes/a-data-center-is-a-use-by-right-in-both-of-garfield-townships-industrial-zones-that-means-nobody-has-to-tell-the-neighbors</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-09-04</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/68993a8940442344e7b8a9fb/1787054851541-ZQFG2T9IWFIJLN4XHT68/unsplash-image-aWslrFhs1w4.jpg</image:loc>
      <image:title>Market Field Notes - A Data Center Is a Use By Right in Both of Garfield Township’s Industrial Zones. That Means Nobody Has to Tell the Neighbors. - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.taylorbrownrealtor.com/market-field-notes/on-the-trail-sells-the-house-in-michigan-who-owns-the-ground-under-that-trail-was-decided-by-a-deed-written-in-the-1800s</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-09-04</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/68993a8940442344e7b8a9fb/1786792518677-V7EPOJMOY4UP1TT9MONU/unsplash-image-DajeIGw6IQg.jpg</image:loc>
      <image:title>Market Field Notes - “On the Trail” Sells the House. In Michigan, Who Owns the Ground Under That Trail Was Decided by a Deed Written in the 1800s. - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.taylorbrownrealtor.com/market-field-notes/your-new-build-up-north-isnt-on-a-lot-its-a-unit-and-one-five-day-letter-decides-whether-you-inherit-the-sellers-debts</loc>
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    <priority>0.5</priority>
    <lastmod>2026-09-04</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/68993a8940442344e7b8a9fb/1786755943020-V63IS4RYFENXN4RPROUP/unsplash-image-kkdfOe0iRu8.jpg</image:loc>
      <image:title>Market Field Notes - Your New Build Up North Isn’t on a Lot. It’s a “Unit” — and One Five-Day Letter Decides Whether You Inherit the Seller’s Debts - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.taylorbrownrealtor.com/market-field-notes/betsie-river-natural-river-zoning-400-feet-3-bedrooms</loc>
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    <priority>0.5</priority>
    <lastmod>2026-09-04</lastmod>
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      <image:title>Market Field Notes - A Creek You Can Step Across Pulls 400 Feet of Your Lot Into State Zoning. On the Betsie, That Caps Your Rental at Three Bedrooms. - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.taylorbrownrealtor.com/market-field-notes/michigan-lets-the-public-walk-across-3288-miles-of-private-beach-grand-traverse-bay-counts-torch-lake-doesnt</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-09-04</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/68993a8940442344e7b8a9fb/1786447072763-YYSJDVMO0PUS7Q3V2IKT/unsplash-image-WzxxoI3AX88.jpg</image:loc>
      <image:title>Market Field Notes - Michigan Lets the Public Walk Across 3,288 Miles of Private Beach. Grand Traverse Bay Counts. Torch Lake Doesn’t. - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.taylorbrownrealtor.com/market-field-notes/michigan-wetland-line-500-feet-back-from-the-water</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-09-04</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/68993a8940442344e7b8a9fb/1786371609855-QTXS1VJ02QGJI2P60PRL/unsplash-image-8Ygit40F2bE.jpg</image:loc>
      <image:title>Market Field Notes - Michigan Draws Its Wetland Line 500 Feet Back From the Water. The Map That Says Your Lot Is Clear Doesn’t Count.</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.taylorbrownrealtor.com/market-field-notes/michigan-protects-the-orchard-next-door-for-a-mile-in-every-direction-complain-four-times-and-the-state-can-bill-you-for-it</loc>
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    <priority>0.5</priority>
    <lastmod>2026-09-04</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/68993a8940442344e7b8a9fb/1786016815091-FII051L89A63NY3AYMZ4/unsplash-image-BoKt2YhFm3E.jpg</image:loc>
      <image:title>Market Field Notes - Michigan Protects the Orchard Next Door for a Mile in Every Direction. Complain Four Times and the State Can Bill You for It. - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.taylorbrownrealtor.com/market-field-notes/the-tax-estimate-on-that-cottage-listing-is-the-sellers-bill-not-yours-on-old-mission-the-gap-runs-about-7650-a-year</loc>
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    <priority>0.5</priority>
    <lastmod>2026-09-04</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/68993a8940442344e7b8a9fb/1785928875377-YA3HF1T1W65ULOS1JCBE/unsplash-image-85dFx2jf4sI.jpg</image:loc>
      <image:title>Market Field Notes - The Tax Estimate on That Cottage Listing Is the Seller’s Bill, Not Yours. On Old Mission the Gap Runs About $7,650 a Year. - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.taylorbrownrealtor.com/market-field-notes/michigan-commercial-forest-qualified-forest-program-northern-michigan-land-buyers</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-09-05</lastmod>
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      <image:title>Market Field Notes - Michigan Has 2.2 Million Private Acres Where a “No Trespassing” Sign Is Illegal. Some of Them Are Listed Up Here Right Now. - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.taylorbrownrealtor.com/market-field-notes/michigan-caps-your-dock-on-the-boardman-at-48-square-feet-the-same-rulebook-covers-twelve-creeks-most-buyers-have-never-heard-of</loc>
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    <priority>0.5</priority>
    <lastmod>2026-09-04</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/68993a8940442344e7b8a9fb/1785756062710-LXSFX3DT48KJ9CO4811M/unsplash-image-FYZUoAlAKC0.jpg</image:loc>
      <image:title>Market Field Notes - Michigan Caps Your Dock on the Boardman at 48 Square Feet. The Same Rulebook Covers Twelve Creeks Most Buyers Have Never Heard Of. - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.taylorbrownrealtor.com/market-field-notes/the-map-that-decides-what-you-can-build-on-lake-michigan-was-drawn-in-1989-michigan-just-redrew-it</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-10-13</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/68993a8940442344e7b8a9fb/1785677630543-R2MZ2IIVJ4RNUKC9FNC4/unsplash-image-A1uDTTBcFxw.jpg</image:loc>
      <image:title>Market Field Notes - The Map That Decides What You Can Build on Lake Michigan Was Drawn in 1989. Michigan Just Redrew It. - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.taylorbrownrealtor.com/market-field-notes/michigan-lake-board-special-assessment-northern-michigan-lakefront</loc>
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    <priority>0.5</priority>
    <lastmod>2026-09-04</lastmod>
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      <image:title>Market Field Notes - Duck Lake’s Special Assessment District Dates to 1960. Silver Lake’s to 1986. Here’s the Lakefront Line Item Nobody Explains. - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.taylorbrownrealtor.com/market-field-notes/two-houses-one-block-apart-in-traverse-city-only-one-needs-permission-to-rebuild-its-porch</loc>
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    <priority>0.5</priority>
    <lastmod>2026-10-13</lastmod>
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      <image:title>Market Field Notes - Two Houses One Block Apart in Traverse City. Only One Needs Permission to Rebuild Its Porch. - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.taylorbrownrealtor.com/market-field-notes/leelanau-county-has-50-miles-of-roads-nobody-plows-your-lender-calls-that-a-property-defect</loc>
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    <lastmod>2026-09-04</lastmod>
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      <image:title>Market Field Notes - Leelanau County Has 50 Miles of Roads Nobody Plows. Your Lender Calls That a Property Defect. - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.taylorbrownrealtor.com/market-field-notes/michigan-law-says-your-1960s-cottage-can-stay-30-feet-from-the-water-it-says-almost-nothing-about-rebuilding-it</loc>
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    <lastmod>2026-09-04</lastmod>
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      <image:title>Market Field Notes - Michigan Law Says Your 1960s Cottage Can Stay 30 Feet From the Water. It Says Almost Nothing About Rebuilding It. - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
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