Under Contract
258 3rd Street, Pentwater, MI 49449
$427,000
MLS # 26019859 (Michigan Regional Information Center (MichRIC))
4 beds3 baths2,600 sqftBuilt 19540.21 acres
1 / 50
Listing Description
This isn't a cosmetic refresh. This is a complete rebuild. Set in the heart of downtown Pentwater -- steps from the beach, the harbor, and the village shops -- this 3-bedroom, 2-bath brick cottage was stripped to the studs and rebuilt from the ground up over the course of a full year. New plumbing, electrical, insulation, drywall, flooring, windows, doors, cabinetry, and hardware. Both fireplaces fully updated. Exterior professionally prepped, primed, and painted. The result is a home that carries the warmth of a classic Michigan cottage with the reliability of new construction. The main house is move-in ready: all-new appliance suite, updated central gas heat with new floor registers, fresh lighting and ceiling fans throughout, and a roof that's been treated, cleaned, and galvanized-weather protected. A partially finished basement holds a non-conforming bedroom or dedicated office space and plenty of storage.
Source: SparkMLS
About this home
4-bedroom, 3-bath, 2,600 sq ft home in Pentwater Village in Pentwater built in 1954.
Listed at $427,000 (about $164/sq ft).
Property tax estimate: $4,043 per year ($337/month). Tax figure is from the MLS listing record; verify with the county treasurer for the most current amount.
Electric service is provided by Great Lakes Energy Cooperative; natural gas by DTE Gas Company.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms4
Bathrooms3
Living Area2,600 sqft
Lot Size0.21 acres
Year Built1954
Stories2
Location
CityPentwater
MunicipalityPentwater Vlg
Zip Code49449
CountyOceana
School DistrictPentwater
Construction & Systems
StyleTraditional
ConstructionBrick
BasementFull
HeatingBaseboard, Radiant
WaterPublic
SewerPublic
UtilitiesPhone Available, Electricity Available, Cable Available
InteriorCeiling Fan(s), Broadband, Guest Quarters
Sale & Financing
Listed5/4/2026
Terms AcceptedCash, FHA, VA Loan, Rural Development, MSHDA, Conventional
Source: SparkMLS
Tax Information
Annual Tax$4,043
Tax Year2025
Assessed Value$136,700
Parcel #044-698-005-50
Source: SparkMLS
Legal Description
258 E THIRD ST WD9712469 VILLAGE OF PENTWATER - BLK 28 W 71 FT OF LOTS 5 & 6
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 Raquel Rae Kosloskey
LIGHTHOUSE REALTY-Ludington
Frequently Asked Questions about 258 3rd Street, Pentwater, MI 49449
Which school district serves 258 3rd Street, Pentwater, MI 49449?
Per MLS# 26019859, 258 3rd Street, Pentwater, MI 49449 is in the Pentwater boundaries. School district assignments are determined by property location and may differ from the mailing city. Contact Pentwater directly to confirm enrollment eligibility.
Can I use FHA or VA financing for this property?
Per MLS# 26019859, this listing accepts Cash, FHA, VA Loan, Rural Development, MSHDA, Conventional financing. FHA financing can offer lower down payment requirements for qualified buyers. Financing acceptance is subject to change — confirm with the listing agent.
What are the property taxes at 258 3rd Street, Pentwater, MI 49449?
Per public tax records, annual property taxes for this property are $4,043 (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.
Can I use a USDA Rural Development loan for this property?
Per USDA Rural Development boundary data, 258 3rd Street, Pentwater, MI 49449 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 258 3rd Street, Pentwater, MI 49449 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 258 3rd Street, Pentwater, MI 49449?
Per Michigan Public Service Commission service territory data: Electric: Great Lakes Energy Cooperative. 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 Pentwater Vlg police department or the Oceana County sheriff's office.
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Monthly payment$2,770
Principal & interest$2,770
Estimate only. Does not include PMI or other fees. Consult a lender for exact rates.
Utilities
Great Lakes Energy Cooperative
Co-op
DTE Gas Company
Investor-Owned
MI Public Service Commission service territory boundaries.
Property
258 3rd Street, Pentwater, MI 49449
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Municipality
Pentwater Village
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