For Sale
16043 Wagner Road, Empire, MI 49630
$2,095,000
MLS # 1947589 (Northern Great Lakes REALTORS® MLS)
4 beds1 bathBuilt 199787 acres
1 / 34
Listing Description
Nestled on the tranquil north shore of pristine Pearl Lake, this charming 4-bedroom, 2-bath Cape Cod offers an exceptional combination of waterfront beauty and peaceful Northern Michigan living. With approximately 7 acres and 600 feet of natural frontage featuring a sandy and gravel lake bottom, the property provides an ideal setting for swimming, kayaking, fishing, or simply enjoying the crystal-clear waters. A welcoming covered front porch spans the entire length of the home, creating the perfect place to relax and take in the surrounding scenery, while a spacious rear patio offers additional outdoor entertaining space. The home also overlooks a picturesque natural pond, attracting abundant wildlife. Completing the offering is a detached 2-car garage and a setting that blends privacy, recreation, and timeless Up North charm. Adjacent 80-acre waterfront parcel on Brooks Lake is also available, offering a rare opportunity to create an extraordinary Northern Michigan estate encompassing acreage, multiple lakes, and exceptional privacy.
Source: SparkMLS
About this home
4-bedroom, 1-bath home in Empire built in 1997.
Asking $2,095,000.
Electric service is provided by Cherryland Electric Cooperative; natural gas by DTE Gas Company.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms4
Bathrooms1
Lot Size87 acres
Year Built1997
Stories1
Location
CityEmpire
Zip Code49630
CountyBenzie
Construction & Systems
BasementCrawl Space
HeatingForced Air
WaterPrivate Water
Sale & Financing
Listed7/2/2026
Terms AcceptedCash, Conventional, FHA
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 Jules B Yates
@properties Christie's Int'l
Frequently Asked Questions about 16043 Wagner Road, Empire, MI 49630
What type of financing is accepted for this listing?
Per MLS# 1947589, this listing accepts Cash, Conventional, FHA financing. FHA financing can offer lower down payment requirements for qualified buyers. 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, 16043 Wagner Road, Empire, MI 49630 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 16043 Wagner Road, Empire, MI 49630 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 16043 Wagner Road, Empire, MI 49630?
Per Michigan Public Service Commission service territory data: Electric: Cherryland Electric Cooperative. Gas: DTE Gas Company. Water: Private Water. 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 local police department or county sheriff's office.
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Monthly payment$13,588
Principal & interest$13,588
Estimate only. Does not include PMI or other fees. Consult a lender for exact rates.
Utilities
Cherryland Electric Cooperative
Co-op
DTE Gas Company
Investor-Owned
MI Public Service Commission service territory boundaries.
Property
16043 Wagner Road, Empire, MI 49630
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