For Sale
10778 Black Bear Road NE, Kalkaska, MI 49646
$499,000
MLS # 201839919
3 beds3 bathsBuilt 1978
1 / 134
Listing Description
WOW-It's almost like a fairytale setting...this beautiful home sits on 6 acres up on the hill with winding blacktop driveway. Located by Bear & Cub Lakes & public access close. Awesome towering red pines make this even more magical looking. Lots of space for a large family with 2-4 bedrooms, 3 full baths, large walk-in closets & full open basement with double doors to go out to the backyard. Featuring beautiful hickory, granite & stainless appliances in the kitchen- every person's must-haves! Durable LVP & beautiful cherrywood flooring is a showstopper! 2 car attached & huge detached garages with lean-to on back, plus a carport! All outfitted with conveniences we all love- Generac generator, natural gas, central AC & cable internet- & not far from shopping conveniences! APHW included!, Age: 31+ Years Approx
Source: SparkMLS
About this home
3-bedroom, 3-bath home in Kalkaska built in 1978.
Currently offered at $499,000.
Electric service is provided by Great Lakes Energy Cooperative; natural gas by Consumers Energy Company.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms3
Bathrooms3
Year Built1978
Location
CityKalkaska
MunicipalityBear Lake Twp
Zip Code49646
CountyKalkaska
Sale & Financing
Listed5/7/2026
Source: SparkMLS
Property Records
USDA Rural Development: Eligible — 0% Down Payment Available
Verify eligibility at USDAListed by Mary E. Becker
Heart of Up North Realty, LLC
Frequently Asked Questions about 10778 Black Bear Road NE, Kalkaska, MI 49646
Can I use a USDA Rural Development loan for this property?
Per USDA Rural Development boundary data, 10778 Black Bear Road NE, Kalkaska, MI 49646 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.
What utilities serve 10778 Black Bear Road NE, Kalkaska, MI 49646?
Per Michigan Public Service Commission service territory data: Electric: Great Lakes Energy Cooperative. Gas: Consumers Energy Company. 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 Bear Lake Twp police department or the Kalkaska County sheriff's office.
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Monthly payment$3,237
Principal & interest$3,237
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
10778 Black Bear Road NE, Kalkaska, MI 49646
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