For Sale
10653 Milarch Road, Bear Lake, MI 49614
$579,000
MLS # 26026932 (Michigan Regional Information Center (MichRIC))
3 beds2 baths1,808 sqftBuilt 20005.5 acres
1 / 86
Listing Description
Embrace the ultimate Northwest Lower Michigan lifestyle! Located near pristine Lake Michigan beaches and world-class Arcadia Bluffs golf, this handcrafted chalet-style retreat is nestled on 5.5 private, rolling, wooded acres. The open floor plan boasts soaring ceilings, skylights, and beautiful local hardwoods. Solid wood doors, maple floors, Birdseye maple trim, and a striking walnut floating staircase crafted from local timber showcase the quality. A freestanding fireplace adds warmth. The main level includes a bedroom, full bath, and laundry. Upstairs, a spacious loft serves as the primary suite with skylights, full bath, and walk-in closet. Enjoy quiet moments on the expansive wraparound deck. Home features an attached main-level garage with an unfinished bonus room above easily converted into additional living plus a lower level 2-car walkout garage offers unique flexibility: one garage stall is insulated with electric heat used as a spare bedroom while retaining the exterior door
Source: SparkMLS
About this home
This 3-bedroom, 2-bath, 1,808 sq ft home built in 2000 sits in Bear Lake.
Currently offered at $579,000 (about $320/sq ft).
Annual property taxes run approximately $3,296 ($275/month). Tax figure is from the MLS listing record; verify with the county treasurer for the most current amount.
Electric service is provided by Consumers Energy Company; natural gas by Superior Energy Company.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms3
Bathrooms2
Living Area1,808 sqft
Lot Size5.5 acres
Year Built2000
Stories2
Location
CityBear Lake
MunicipalityBear Lake Twp
Zip Code49614
CountyManistee
School DistrictBear Lake
Construction & Systems
StyleChalet
ConstructionVinyl Siding
BasementFull, Walk-Out Access
Garage4 spaces
HeatingForced Air, Heat Pump
WaterWell
SewerSeptic Tank
UtilitiesPhone Connected, High-Speed Internet
InteriorCeiling Fan(s), Garage Door Opener, LP Tank Owned, Center Island, Eat-in Kitchen, Pantry
Sale & Financing
Listed6/3/2026
Terms AcceptedCash, FHA, VA Loan, Conventional
Source: SparkMLS
Tax Information
Annual Tax$3,296
Tax Year2025
Assessed Value$7,457
Parcel #02-018-250-05& 250-10
Source: SparkMLS
Legal Description
(Parcel 1: 250-05) S 400 FT OF W 600 FT OF N 1/2 SW 1/4 NW 1/4, EXC S 200 FT THEREOF. 2.6 A*M/L SEC 18 T23N R15W. [[SALE(82) 6414 0369 (85) 7466 0858 (00) 3740 0500 (02) 180 1807 0976 (Parcel :2 250-10) S 200 FT OF W 600 FT OF N 1/2 SW 1/4 NW 1/4. 2.60 A*M/L SEC 18 T23N R15W [[SALE(82) 6414 0369 (85) 7466 0858 (00) 195 1727 0417
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 Brenda Cronan
Coldwell Banker ALM REALTY
Frequently Asked Questions about 10653 Milarch Road, Bear Lake, MI 49614
What school district is 10653 Milarch Road, Bear Lake, MI 49614 in?
Per MLS# 26026932, this property is served by Bear Lake. In Michigan, school district boundaries are set by the state and do not always follow city limits.
Can I use FHA or VA financing for this property?
Per MLS# 26026932, the seller has indicated this property accepts the following financing types: Cash, FHA, VA Loan, 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# 26026932, the most recent reported annual property tax for 10653 Milarch Road, Bear Lake, MI 49614 is $3,296 (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 10653 Milarch Road, Bear Lake, MI 49614 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.
What is the FEMA flood zone designation for this property?
Per FEMA's National Flood Hazard Layer, 10653 Milarch Road, Bear Lake, MI 49614 is in flood zone X (minimal risk). 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.
Who are the utility providers for this property?
Per Michigan Public Service Commission service territory data: Electric: Consumers Energy Company. Gas: Superior Energy Company. 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 Bear Lake Twp police department or the Manistee County sheriff's office.
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Monthly payment$3,755
Principal & interest$3,755
Estimate only. Does not include PMI or other fees. Consult a lender for exact rates.
Utilities
Consumers Energy Company
Investor-Owned
Superior Energy Company
Investor-Owned
MI Public Service Commission service territory boundaries.
Property
10653 Milarch Road, Bear Lake, MI 49614
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