For Sale
11518 Chippewa Highway, Bear Lake, MI 49614
$289,000
MLS # 26032418 (Michigan Regional Information Center (MichRIC))
4 beds2 baths2,171 sqftBuilt 19803 acres
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Listing Description
Welcome to this spacious 4-bedroom, 2-bath home on 3 beautiful wooded acres just south of Bear Lake. Offering 2,171 square feet of living space, this well-maintained home features a large living room with a gas log fireplace, an updated kitchen with appliances included, main-floor laundry, and generously sized bedrooms. Enjoy peaceful country living with plenty of room for gardening, recreation, or simply relaxing in the private setting. The detached 4-car garage/pole barn provides exceptional space for vehicles, storage, hobbies, or a workshop. Natural gas, high-speed internet availability, private well and septic, and a storage shed add to the home's appeal. Conveniently located near Bear Lake, Crystal Mountain, Manistee, and Lake Michigan beaches, this property offers the perfect blend of privacy, comfort, and easy access to northern Michigan recreation.
Source: SparkMLS
About this home
Located in Bear Lake, this property offers 4-bedroom, 2-bath, 2,171 sq ft, with original construction dating to 1980.
Currently offered at $289,000 (about $133/sq ft).
Annual property taxes run approximately $2,182 ($182/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
Bedrooms4
Bathrooms2
Living Area2,171 sqft
Lot Size3 acres
Year Built1980
Stories2
Location
CityBear Lake
MunicipalityBear Lake Twp
Zip Code49614
CountyManistee
School DistrictBear Lake
Construction & Systems
StyleTraditional
ConstructionVinyl Siding
BasementPartial
Garage4 spaces
HeatingForced Air
WaterWell
SewerSeptic Tank
UtilitiesNatural Gas Connected, High-Speed Internet
InteriorCeiling Fan(s), Garage Door Opener
Sale & Financing
Listed6/26/2026
Original Price$309,900
Terms AcceptedCash, FHA, VA Loan, Rural Development, MSHDA, Conventional
Source: SparkMLS
Tax Information
Annual Tax$2,182
Tax Year2025
State Equalized Value$170,400
Taxable Value$77,399
Assessed Value$77,399
Homestead (PRE)100%
Parcel #02-008-275-03
Source: Public Records
Legal Description
PT E 1/2 NW 1/4 COM AT CEN 1/4 COR, W 40 RDS, N 12 RDS, E 40 RDS, S TO POB. SEC 8 T23N R15W 2.75 A*M/L. SALE(89) 6523 0601 (94) 400 1586 0559
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 11518 Chippewa Highway, Bear Lake, MI 49614
What school district is 11518 Chippewa Highway, Bear Lake, MI 49614 in?
Per MLS# 26032418, this property is served by Bear Lake. In Michigan, school district boundaries are set by the state and do not always follow city limits.
What financing options are available for 11518 Chippewa Highway, Bear Lake, MI 49614?
Per MLS# 26032418, 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# 26032418, the most recent reported annual property tax for 11518 Chippewa Highway, Bear Lake, MI 49614 is $2,182 (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 11518 Chippewa Highway, 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, 11518 Chippewa Highway, 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$1,874
Principal & interest$1,874
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
11518 Chippewa Highway, Bear Lake, MI 49614
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