For Sale
10 Cottage Lane, Manistee, MI 49660
$629,000
MLS # 26023071 (Michigan Regional Information Center (MichRIC))
2 beds2 baths2,188 sqftBuilt 20010.12 acres
1 / 70
Listing Description
Welcome to easy living in beautiful Manistee! This well-maintained condo at 10 Cottage Drive offers comfort, convenience, and plenty of space to enjoy Northern Michigan living. Featuring a full finished basement, this home provides exceptional additional living space perfect for entertaining, hobbies, a home office, or guest accommodations. Unfinished area above garage also offers exciting potential for future room additions, extra storage, or customized finishing to fit your needs. Enjoy the benefits of condo living with wonderful community amenities and low-maintenance convenience, giving you more time to relax and explore everything the area has to offer. Whether you are looking for a year-round residence, vacation getaway, or investment opportunity, this property checks all the boxes. Located close to Lake Michigan beaches, golf, shopping, dining, and the charm of downtown Manistee, this condo offers the perfect combination of comfort, flexibility, and location.
Source: SparkMLS
About this home
2-bedroom, 2-bath, 2,188 sq ft home in Manistee in Manistee built in 2001.
Listed at $629,000 (about $287/sq ft).
Property tax estimate: $7,482 per year ($624/month). Estimate is based on county assessor records and current millage rates; actual tax may vary with PRE status and recent assessment changes.
Electric service is provided by Consumers Energy Company; natural gas by DTE Gas Company.
Listing Property Details
Property TypeResidential
Property SubtypeCondominium
Bedrooms2
Bathrooms2
Living Area2,188 sqft
Lot Size0.12 acres
Year Built2001
Stories2
Location
CityManistee
MunicipalityCity of Manistee
Zip Code49660
CountyManistee
School DistrictManistee
Construction & Systems
ConstructionVinyl Siding
BasementFull
Garage2 spaces
HeatingForced Air
WaterPublic
SewerPublic
UtilitiesPhone Available, Natural Gas Available, Electricity Available, Cable Available, Phone Connected, Natural Gas Connected, Cable Connected
InteriorGarage Door Opener, Pantry
Sale & Financing
Listed5/17/2026
Terms AcceptedCash, Conventional
HOA
HOA Fee$325 / Monthly
IncludesSnow Removal, Lawn/Yard Care
Source: SparkMLS
Tax Information
Annual Tax$8,260
Tax Year2025
State Equalized Value$274,400
Taxable Value$189,229
Assessed Value$189,229
Homestead (PRE)100%
Parcel #51-224-010-00
Source: Public Records
Legal Description
THE COTTAGES CONDOMINIUMS UNIT 10. P.ADDR 10 COTTAGE LANE SALE(94) 6597 0001-68, 6605 0858 (99) 2126 1710 0675 (04) 6902 0593 (05) 3200 1963 0819 (09) WD 2009R003456
Property Records
FEMA Flood Zone: Zone X — Minimal flood risk
Source: FEMA NFHLUSDA Rural Development: Eligible — 0% Down Payment Available
Verify eligibility at USDAListed by Jenna Mahoney
Essential Real Estate
Frequently Asked Questions about 10 Cottage Lane, Manistee, MI 49660
Which school district serves 10 Cottage Lane, Manistee, MI 49660?
Per MLS# 26023071, 10 Cottage Lane, Manistee, MI 49660 is in the Manistee boundaries. School district assignments are determined by property location and may differ from the mailing city. Contact Manistee directly to confirm enrollment eligibility.
What type of financing is accepted for this listing?
Per MLS# 26023071, this listing accepts Cash, Conventional financing. Financing acceptance is subject to change — confirm with the listing agent.
What are the property taxes at 10 Cottage Lane, Manistee, MI 49660?
Per public tax records, annual property taxes for this property are $8,260 (2025). Michigan property taxes are based on a property's taxable value multiplied by the local millage rate. Primary residences qualify for a homestead exemption that lowers the rate.
Can I use a USDA Rural Development loan for this property?
Per USDA Rural Development boundary data, 10 Cottage Lane, Manistee, MI 49660 is in an eligible area. USDA RD loans offer 0% down payment for qualified buyers. Verify current eligibility at the USDA eligibility site, as boundaries are updated periodically.
Is 10 Cottage Lane, Manistee, MI 49660 in a flood zone?
Per FEMA flood maps, this property is designated as Zone X, a minimal-risk flood area. Flood insurance is not typically required in this zone but may still be advisable. FEMA flood maps are updated periodically — verify the current designation at msc.fema.gov.
What utilities serve 10 Cottage Lane, Manistee, MI 49660?
Per Michigan Public Service Commission service territory data: Electric: Consumers Energy Company. Gas: DTE Gas Company. Sewer: Public. Water: Public. Confirm service details directly with providers.
What is the crime rate in this area?
For crime and public safety data, we recommend inquiring directly with the City of Manistee police department or the Manistee County sheriff's office.
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Tax Estimate
$
Annual tax$7,482
Monthly$624
Millage rate27.2668 mills
Municipality: City of Manistee
School district: MANISTEE AREA PUBLIC SCHOOLS
County: Manistee
Estimate based on SEV for a new buyer (taxable value resets to SEV on transfer). Actual taxes may vary. MI Treasury PT Estimator
Mortgage Calculator
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Monthly payment$5,028
Principal & interest$4,080
Property taxes$624
HOA$325
Estimate only. Does not include PMI or other fees. Consult a lender for exact rates.
Utilities
Consumers Energy Company
Investor-Owned
DTE Gas Company
Investor-Owned
MI Public Service Commission service territory boundaries.
Property
10 Cottage Lane, Manistee, MI 49660
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Municipality
Manistee
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