For Sale
1205 State Street, Charlevoix, MI 49720
$489,000
MLS # 1938962 (Northern Great Lakes REALTORS® MLS)
3 beds2 bathsBuilt 19450.25 acres
1 / 41
Listing Description
Complete remodel located close to downtown Charlevoix shops and restaurants. Excellent floor plan with three bedrooms, two and a half baths and a detached garage. The detached garage includes space that could be remodeled as a home office. The primary bedroom and bath are located on the main floor. Thoughtfully redesigned, this lovely home will provide the place to create life memories. Must see to appreciate, schedule your walk through today.
Source: SparkMLS
About this home
3-bedroom, 2-bath home in Charlevoix in Charlevoix built in 1945.
Currently offered at $489,000.
Electric service is provided by City of Charlevoix; natural gas by DTE Gas Company.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms3
Bathrooms2
Lot Size0.25 acres
Year Built1945
Stories2
Location
CityCharlevoix
MunicipalityCharlevoix
Zip Code49720
CountyCharlevoix
Construction & Systems
BasementMichigan Basement
HeatingNatural Gas, Forced Air
WaterPublic
SewerPublic
Sale & Financing
Listed9/24/2025
Original Price$499,000
Terms AcceptedCash, Conventional
Source: SparkMLS
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 Mark Snyder
Unknown Office
Frequently Asked Questions about 1205 State Street, Charlevoix, MI 49720
Can I use FHA or VA financing for this property?
Per MLS# 1938962, this listing accepts Cash, Conventional financing. Financing acceptance is subject to change — confirm with the listing agent.
Can I use a USDA Rural Development loan for this property?
Per USDA Rural Development boundary data, 1205 State Street, Charlevoix, MI 49720 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.
Is 1205 State Street, Charlevoix, MI 49720 in a flood zone?
Per FEMA flood maps, this property is designated as Zone X, a minimal-risk flood area. 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.
What utilities serve 1205 State Street, Charlevoix, MI 49720?
Per Michigan Public Service Commission service territory data: Electric: City of Charlevoix. Gas: DTE Gas Company. Sewer: Public. Water: Public. 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 Charlevoix police department or the Charlevoix County sheriff's office.
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Monthly payment$3,172
Principal & interest$3,172
Estimate only. Does not include PMI or other fees. Consult a lender for exact rates.
Utilities
City of Charlevoix
Municipal
DTE Gas Company
Investor-Owned
MI Public Service Commission service territory boundaries.
Property
1205 State Street, Charlevoix, MI 49720
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Municipality
Charlevoix
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