For Sale
10249 Kay Ray Road, Williamsburg, MI 49690
$4,200,000
MLS # 1945825 (Northern Great Lakes REALTORS® MLS)
5 beds4 bathsBuilt 20131.9 acres
1 / 66
Listing Description
Discover the pinnacle of Northern Michigan living in this stunning waterfront masterpiece. Custom-built by the renowned Whiteford and Associates, this estate harmonizes architectural precision with the serene natural beauty of the East Grand Traverse Bay shoreline. Designed for both grand-scale entertaining and quiet lakeside reflection, every inch of this home exudes quality and craftsmanship. The professional chef-style kitchen is a dream for the culinary enthusiast. Anchored by a massive center island, the space features premium professional grade appliances, including a Wolf double oven and range and a Sub-Zero refrigerator and freezer. Whether hosting a summer soiree or preparing a quiet meal, this kitchen offers the perfect blend of high-end quality and coastal elegance. The main level is designed for effortless “age-in-place” luxury, featuring a sprawling primary suite complete with a spa-inspired en-suite and convenient main-floor laundry. With 5 bedrooms and 4.5 bathrooms in total, there is ample space for family and guests to retreat in comfort. The fully finished walk-out basement serves as the ultimate recreational hub. Sharpen your game year-round with the custom golf simulator or step directly outside to enjoy the breeze of the bay. Located above the 3 car heated garage is a well appointed apartment with separate entry for long-term guests, an au pair or a quiet home office. With a dedicated, spacious pole barn you can assure all your “toys”-from boats and jet skis to classic cars-are stored securely and ready for your next Northern Michigan adventure. Tucked away on the prestigious Kay Ray Road, this property offers the rare combination of privacy and proximity to the world-class Traverse City Horse Shows, dining and shopping of nearby Traverse City and Elk Rapids. Enjoy mesmerizing sunsets, sandy bottom frontage and the timeless allure of life on the water. Your private waterfront legacy awaits!
Source: SparkMLS
About this home
Located in Williamsburg, this property offers 5-bedroom, 4-bath, with original construction dating to 2013.
Currently offered at $4,200,000.
Electric service is provided by Cherryland Electric Cooperative; natural gas by DTE Gas Company.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms5
Bathrooms4
Lot Size1.9 acres
Year Built2013
Stories2
Location
CityWilliamsburg
Zip Code49690
CountyGrand Traverse County
Construction & Systems
BasementOther
HeatingNatural Gas, Forced Air, Radiant
WaterPrivate Water
Sale & Financing
Listed5/27/2026
Terms AcceptedCash, Conventional
Source: SparkMLS
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 Betsy R Hill
Five Star Real Estate - Front St TC
Frequently Asked Questions about 10249 Kay Ray Road, Williamsburg, MI 49690
What type of financing is accepted for this listing?
Per MLS# 1945825, this listing accepts Cash, Conventional financing. Financing acceptance is subject to change — confirm with the listing agent.
Can I use a USDA Rural Development loan for this property?
Per USDA Rural Development boundary data, 10249 Kay Ray Road, Williamsburg, MI 49690 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 10249 Kay Ray Road, Williamsburg, MI 49690 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 10249 Kay Ray Road, Williamsburg, MI 49690?
Per Michigan Public Service Commission service territory data: Electric: Cherryland Electric Cooperative. Gas: DTE Gas Company. Water: Private Water. 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 local police department or county sheriff's office.
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Monthly payment$27,241
Principal & interest$27,241
Estimate only. Does not include PMI or other fees. Consult a lender for exact rates.
Utilities
Cherryland Electric Cooperative
Co-op
DTE Gas Company
Investor-Owned
MI Public Service Commission service territory boundaries.
Property
10249 Kay Ray Road, Williamsburg, MI 49690
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