Sold

12318 Smith Street, Bear Lake, MI 49614

Sold on 10/02/2019 for$130,000

MLS # 19037501 (Michigan Regional Information Center (MichRIC))

3 beds3 baths1,545 sqftBuilt 19600.36 acres

Listing Description

Nice 3 or 4 bedroom home in village of Bear Lake. The full walkout basement is unfinished but is heated and is ready for you to finish with your own ideas. Walk to the Village Park on Bear Lake, or shopping and school all within a short distance. The home has been nicely maintained and is ready for you to move into. Attached 1 car garage is over sized for additional storage.

Source: SparkMLS

About this home

3-bedroom, 3-bath, 1,545 sq ft home in Bear Lake Village in Bear Lake built in 1960.

Closed at $130,000 (about $84/sq ft).

Broadband is available with download speeds up to 1,000 Mbps from 8 providers. Electric service is provided by Consumers Energy Company; natural gas by Superior Energy Company.

Listing Property Details

Property TypeResidential

Property SubtypeSingle Family Residence

Bedrooms3

Bathrooms3

Living Area1,545 sqft

Lot Size0.36 acres

Year Built1960

Stories1

Location

CityBear Lake

MunicipalityBear Lake Vlg

Zip Code49614

CountyManistee

School DistrictBear Lake School District

Construction & Systems

StyleRanch

ConstructionVinyl Siding

BasementFull

Garage1 space

HeatingBaseboard

WaterPublic

SewerSeptic Tank

UtilitiesPhone Available, Natural Gas Available, Cable Available

Sale & Financing

Listed8/5/2019

Sold Date10/1/2019

Terms AcceptedCash, FHA, Rural Development, Conventional

Source: SparkMLS

Tax Information

Annual Tax$0

Tax Year0

Assessed Value$0

Parcel #513222171807

Source: SparkMLS

Legal Description

Village of Bear Lake Lots 12 + 13 Block I

Property Records

FEMA Flood Zone: Zone X — Minimal flood risk

Source: FEMA NFHL

USDA Rural Development: Eligible — 0% Down Payment Available

Verify eligibility at USDA

Listed by Bill Ringel

Ringel Real Estate

Frequently Asked Questions about 12318 Smith Street, Bear Lake, MI 49614

What school district is 12318 Smith Street, Bear Lake, MI 49614 in?

Per MLS# 19037501, this property is served by Bear Lake School District. 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# 19037501, the seller has indicated this property accepts the following financing types: Cash, FHA, Rural Development, Conventional. FHA financing can offer lower down payment requirements for qualified buyers. Financing acceptance is subject to change — confirm with the listing agent.

Is 12318 Smith Street, 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.

USDA Eligibility Map

What is the FEMA flood zone designation for this property?

Per FEMA's National Flood Hazard Layer, 12318 Smith Street, 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.

FEMA Flood Map

Is fiber internet available at 12318 Smith Street, Bear Lake, MI 49614?

Per FCC Broadband Data Collection filings, fiber internet is not currently available at 12318 Smith Street, Bear Lake, MI 49614. The maximum advertised download speed is 1.0 Gbps. 8 internet providers serve this address. Confirm availability and speeds directly with providers.

FCC Broadband Map

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: Public. Confirm service details directly with providers.

Consumers Energy Company Superior Energy Company MI Public Service Commission

How safe is this area?

For crime and public safety data, we recommend inquiring directly with the Bear Lake Vlg police department or the Manistee County sheriff's office.

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Purchase Price

Interest Rate

Loan Term

Annual Property Taxes

Annual Homeowner's Insurance

Monthly HOA

Monthly payment$892

Principal & interest$892

Estimate only. Does not include PMI or other fees. Consult a lender for exact rates.

Internet

Download

1 Gbps

Upload

50 Mbps

CableGSO SatelliteSatelliteLicensed Fixed WirelessFixed WirelessDSL

8 providers at this address

SpectrumCable

1 Gbps

StarlinkGSO Satellite

280 Mbps

Viasat IncSatellite

150 Mbps

HughesNetSatellite

100 Mbps

T-MobileLicensed Fixed Wireless

100 Mbps

Eclipse CommunicationsFixed Wireless

50 Mbps

BrightspeedDSL

40 Mbps

AT&TLicensed Fixed Wireless

25 Mbps

FCC Broadband Data Collection (Dec 2025). Max advertised speeds.

Utilities

Consumers Energy Company

Investor-Owned

800-477-5050 Web

Superior Energy Company

Investor-Owned

231-362-2520 Web

MI Public Service Commission service territory boundaries.

Property

12318 Smith Street, Bear Lake, MI 49614

View full property history →

Municipality

Bear Lake Village

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Listing Description

Source: SparkMLS

Listing Property Details

Property TypeResidential

Property SubtypeSingle Family Residence

Bedrooms3

Bathrooms3

Living Area1,545 sqft

Lot Size0.36 acres

Year Built1960

Stories1

Location

CityBear Lake

MunicipalityBear Lake Vlg

Zip Code49614

CountyManistee

School DistrictBear Lake School District

Construction & Systems

StyleRanch

ConstructionVinyl Siding

BasementFull

Garage1 space

HeatingBaseboard

WaterPublic

SewerSeptic Tank

UtilitiesPhone Available, Natural Gas Available, Cable Available

Sale & Financing

Listed8/5/2019

Sold Date10/1/2019

Terms AcceptedCash, FHA, Rural Development, Conventional

Source: SparkMLS

Frequently Asked Questions about 12318 Smith Street, Bear Lake, MI 49614

What school district is 12318 Smith Street, Bear Lake, MI 49614 in?

Per MLS# 19037501, this property is served by Bear Lake School District. 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?

Is 12318 Smith Street, Bear Lake, MI 49614 eligible for USDA financing?

USDA Eligibility Map

What is the FEMA flood zone designation for this property?

FEMA Flood Map

Is fiber internet available at 12318 Smith Street, Bear Lake, MI 49614?

FCC Broadband Map

Who are the utility providers for this property?

Consumers Energy Company Superior Energy Company MI Public Service Commission

How safe is this area?

For crime and public safety data, we recommend inquiring directly with the Bear Lake Vlg police department or the Manistee County sheriff's office.