For Sale
10477 NE Black Bear Road, Kalkaska, MI 49646
$499,900
MLS # 1945521 (Northern Great Lakes REALTORS® MLS)
4 beds1 bathBuilt 19891.13 acres
1 / 24
Listing Description
Nestled on the shores of Cub Lake with 100 feet of private frontage, this inviting Kalkaska retreat offers the perfect blend of waterfront living and year-round recreation. Enjoy peaceful lake views from multiple decks, relax on the covered front porch, or unwind in the bright four-season room overlooking the water. The home features an attached two-car garage plus an impressive 24x32 detached garage and workshop, providing plenty of room for vehicles, toys, hobbies, and storage. Inside, the finished lower level includes a second kitchen, creating an excellent space for entertaining guests, hosting extended family, or accommodating flexible living arrangements. Outdoor enthusiasts will love the easy access to all-sports Bear Lake, the Blue Bear Trail, local horse and hiking trails, and thousands of acres of state land. You'll have endless opportunities to boat, fish, hunt, hike, snowmobile, and explore everything Northern Michigan has to offer across all four seasons. Whether you’re searching for a full-time residence or a vacation getaway. This Cub Lake property delivers space, scenery, and adventure right outside your door.
Source: SparkMLS
About this home
4-bedroom, 1-bath home in Kalkaska built in 1989.
Asking $499,900.
Electric service is provided by Great Lakes Energy Cooperative; natural gas by Consumers Energy Company.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms4
Bathrooms1
Lot Size1.13 acres
Year Built1989
Stories2
Location
CityKalkaska
Zip Code49646
CountyKalkaska
Construction & Systems
BasementOther
HeatingNatural Gas, Forced Air
WaterPrivate Water
Sale & Financing
Listed5/21/2026
Terms AcceptedCash, Conventional
Source: SparkMLS
Property Records
USDA Rural Development: Eligible — 0% Down Payment Available
Verify eligibility at USDAListed by Chad A Anderson
Coldwell Banker Schmidt-Kalkas
Frequently Asked Questions about 10477 NE Black Bear Road, Kalkaska, MI 49646
What financing options are available for 10477 NE Black Bear Road, Kalkaska, MI 49646?
Per MLS# 1945521, the seller has indicated this property accepts the following financing types: Cash, Conventional. Financing acceptance is subject to change — confirm with the listing agent.
Is 10477 NE Black Bear Road, Kalkaska, MI 49646 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. Gas: Consumers Energy Company. Water: Private Water. Confirm service details directly with providers.
How safe is 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$3,242
Principal & interest$3,242
Estimate only. Does not include PMI or other fees. Consult a lender for exact rates.
Utilities
Great Lakes Energy Cooperative
Co-op
Consumers Energy Company
Investor-Owned
MI Public Service Commission service territory boundaries.
Property
10477 NE Black Bear Road, Kalkaska, MI 49646
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