For Sale
10319 E 4 1/2 Mile Road, Luther, MI 49656
$375,000
MLS # 26012727 (Michigan Regional Information Center (MichRIC))
3 beds3 baths2,498 sqftBuilt 19785 acres
1 / 62
Listing Description
Welcome to this one-owner ranch home nestled on 5 beautiful wooded acres. This well-maintained property offers 3 bedrooms, 3 full bathrooms, plus an additional room perfect for a home office or den. The spacious primary suite features dual closets, a private bath, and a cozy sitting area overlooking the peaceful backyard-ideal for watching local wildlife. The main floor includes convenient laundry and a functional kitchen with all appliances included. Downstairs, the full unfinished basement offers excellent storage, along with a large finished room perfect for crafts, schooling, or play, plus a dedicated workspace for hobbies. Step outside to enjoy composite decking with vinyl railing leading to a 16' x 16' knotty pine three-season room. The property also features a 24x32 detached 2-stall garage, 20x20 outdoor furnace woodshed, and an impressive 40x60 pole barn--perfect for storage, equipment, or projects. A Generac whole-home generator provides added peace of mind.
Source: SparkMLS
About this home
This 3-bedroom, 3-bath, 2,498 sq ft home built in 1978 sits in Luther.
Asking $375,000 (about $150/sq ft).
Estimated annual property tax: $1,638, or about $137 monthly. Tax figure is from the MLS listing record; verify with the county treasurer for the most current amount.
Electric service is provided by Great Lakes Energy Cooperative.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms3
Bathrooms3
Living Area2,498 sqft
Lot Size5 acres
Year Built1978
Stories1
Location
CityLuther
MunicipalityEllsworth Twp
Zip Code49656
CountyLake
School DistrictPine River
Construction & Systems
StyleRanch
ConstructionVinyl Siding
BasementFull
Garage2 spaces
HeatingBaseboard
WaterWell
SewerSeptic Tank
UtilitiesPhone Available
InteriorCeiling Fan(s), Broadband, Garage Door Opener, Center Island, Eat-in Kitchen
Sale & Financing
Listed3/30/2026
Original Price$385,000
Terms AcceptedCash, FHA, VA Loan, Rural Development, MSHDA, Conventional
Source: SparkMLS
Tax Information
Annual Tax$1,638
Tax Year2025
State Equalized Value$106,800
Taxable Value$48,646
Assessed Value$48,646
Homestead (PRE)1%
Parcel #08-011-011-40
Source: Public Records
Legal Description
Legal Description on file with Listing Agent
Property Records
USDA Rural Development: Eligible — 0% Down Payment Available
Verify eligibility at USDAListed by Tina J Zachow
Century 21 Affiliated (GR)
Frequently Asked Questions about 10319 E 4 1/2 Mile Road, Luther, MI 49656
What school district is 10319 E 4 1/2 Mile Road, Luther, MI 49656 in?
Per MLS# 26012727, this property is served by Pine River. In Michigan, school district boundaries are set by the state and do not always follow city limits.
What financing options are available for 10319 E 4 1/2 Mile Road, Luther, MI 49656?
Per MLS# 26012727, the seller has indicated this property accepts the following financing types: Cash, FHA, VA Loan, Rural Development, MSHDA, Conventional. FHA financing can offer lower down payment requirements for qualified buyers. Financing acceptance is subject to change — confirm with the listing agent.
How much are property taxes for this home?
Per MLS# 26012727, the most recent reported annual property tax for 10319 E 4 1/2 Mile Road, Luther, MI 49656 is $1,638 (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.
Is 10319 E 4 1/2 Mile Road, Luther, MI 49656 eligible for USDA financing?
Per USDA boundary maps, this property is located in a USDA-eligible area, which means qualified buyers may be able to finance with 0% down through the USDA Rural Development program. Confirm current eligibility directly with USDA.
Who are the utility providers for this property?
Per Michigan Public Service Commission service territory data: Electric: Great Lakes Energy Cooperative. Sewer: Septic Tank. Water: Well. Confirm service details directly with providers.
How safe is this area?
For crime and public safety data, we recommend inquiring directly with the Ellsworth Twp police department or the Lake County sheriff's office.
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Monthly payment$2,432
Principal & interest$2,432
Estimate only. Does not include PMI or other fees. Consult a lender for exact rates.
Utilities
Great Lakes Energy Cooperative
Co-op
MI Public Service Commission service territory boundaries.
Property
10319 E 4 1/2 Mile Road, Luther, MI 49656
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