For Sale
3219 Midway Drive, Onekama, MI 49675
$3,095,000
MLS # 20261050899 (Realcomp)
5 beds4 baths4,490 sqftBuilt 19922.5 acres
1 / 27
Listing Description
Welcome to Onekama. "The Two Lake Town"—where your family's most cherished memories will unfold on 2.5 private acres with 350 feet of sandy beach on Portage Lake, just one mile from Lake Michigan. This exceptional point property offers unmatched privacy and sweeping views in both directions. Look one way and watch boats exit the Lake Michigan channel. Turn around and take in the charming vista of downtown Onekama across the bay.The home is move-in ready today with quality furniture and fixtures. It is exceptionally clean and has been impeccably cared for. The neutral colors provide a perfect starting point to make It your own. This is not just a lake house—it is the backdrop for generations to come. Years from now, your grandchildren will remember this place without trying—the warmth of the sand, the calm of the water, the way time slows down here. More than a lake house, it’s a place where families gather, and memories endure. It’s a family legacy.
Source: SparkMLS
About this home
5-bedroom, 4-bath, 4,490 sq ft home in Onekama built in 1992.
Currently offered at $3,095,000 (about $689/sq ft).
Property tax estimate: $11,506 per year ($959/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
Bedrooms5
Bathrooms4
Living Area4,490 sqft
Lot Size2.5 acres
Year Built1992
Stories1
Location
CityOnekama
MunicipalityOnekama Twp
Zip Code49675
CountyManistee
School DistrictOnekama
Construction & Systems
ConstructionWood Siding
BasementCrawl Space
Garage3 spaces
HeatingBaseboard, Radiant
WaterPublic
SewerSeptic Tank
InteriorCentral Vacuum
Sale & Financing
Listed7/4/2026
Terms AcceptedCash, Conventional
Source: SparkMLS
Tax Information
Annual Tax$11,506
Parcel #1129008400
Source: SparkMLS
Legal Description
PORTAGE PARK ADDITION LOTS 1, 2 & 3 & 18 THRU 23 INCL BLOCK 22. ASSESMENT FOR 51-11-290-085-00 IS CONTAINED IN 51-11-290-084-00 SALE(77) 1358 0690 (78) 21 2369 0303 (92) 1567 1460 (93) 9575 1028 (05) 3946 1585 (09) QC2 2009R002684
Property Records
FEMA Flood Zone: Zone AE — 100-year floodplain
Flood insurance required for federally backed mortgages
Source: FEMA NFHLUSDA Rural Development: Eligible — 0% Down Payment Available
Verify eligibility at USDAListed by Chris Anderson
Bottom Line Real Estate
Frequently Asked Questions about 3219 Midway Drive, Onekama, MI 49675
What school district is 3219 Midway Drive, Onekama, MI 49675 in?
Per MLS# 20261050899, this property is served by Onekama. 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# 20261050899, the seller has indicated this property accepts the following financing types: Cash, Conventional. Financing acceptance is subject to change — confirm with the listing agent.
How much are property taxes for this home?
Per MLS# 20261050899, the most recent reported annual property tax for 3219 Midway Drive, Onekama, MI 49675 is $11,506. 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 3219 Midway Drive, Onekama, MI 49675 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, 3219 Midway Drive, Onekama, MI 49675 is in flood zone AE (high risk). Flood insurance is required for federally-backed mortgages in this zone. 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: Public. Confirm service details directly with providers.
How safe is this area?
For crime and public safety data, we recommend inquiring directly with the Onekama Twp police department or the Manistee County sheriff's office.
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Mortgage Calculator
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Monthly payment$20,074
Principal & interest$20,074
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
3219 Midway Drive, Onekama, MI 49675
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