For Sale
3981 Smokey Ridge Road, Traverse City, MI 49686
$1,975,000
MLS # 1947726 (Northern Great Lakes REALTORS® MLS)
6 beds2 bathsBuilt 20043.14 acres
1 / 79
Listing Description
Spectacular craftsman-style home on Old Mission Peninsula with East Bay views, shared waterfront access, and 5,927 finished square feet. The open floor plan includes 6 bedrooms (or 5 bedrooms and a dedicated office), 4 bathrooms, a main-floor primary suite, and a modern kitchen. The walkout lower level features a professionally designed home gym, wine cellar, family room, and additional guest space. Solar panels help offset energy costs, and the home has been thoughtfully and meticulously maintained throughout. Located just minutes from Old Mission Peninsula's wineries, restaurants, and downtown Traverse City, this property also includes an adjacent lot, offering additional privacy or future possibilities.
Source: SparkMLS
About this home
Located in Traverse City, this property offers 6-bedroom, 2-bath, with original construction dating to 2004.
Currently offered at $1,975,000.
Electric service is provided by Consumers Energy Company; natural gas by DTE Gas Company.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms6
Bathrooms2
Lot Size3.14 acres
Year Built2004
Stories2
Location
CityTraverse City
Zip Code49686
CountyGrand Traverse County
Construction & Systems
BasementDaylight, Other
HeatingForced Air, Hot Water
WaterPrivate Water
Sale & Financing
Listed7/7/2026
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 Jen Warren
REMAX Bayshore - Union St TC
Frequently Asked Questions about 3981 Smokey Ridge Road, Traverse City, MI 49686
What type of financing is accepted for this listing?
Per MLS# 1947726, the seller has indicated this property accepts the following financing types: Cash, Conventional. Financing acceptance is subject to change — confirm with the listing agent.
Is 3981 Smokey Ridge Road, Traverse City, MI 49686 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, 3981 Smokey Ridge Road, Traverse City, MI 49686 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.
Who are the utility providers for this property?
Per Michigan Public Service Commission service territory data: Electric: Consumers Energy Company. Gas: DTE Gas Company. Water: Private Water. Confirm service details directly with providers.
How safe is this area?
For crime and public safety data, we recommend inquiring directly with the local police department or county sheriff's office.
Map
Mortgage Calculator
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Monthly payment$12,810
Principal & interest$12,810
Estimate only. Does not include PMI or other fees. Consult a lender for exact rates.
Utilities
Consumers Energy Company
Investor-Owned
DTE Gas Company
Investor-Owned
MI Public Service Commission service territory boundaries.
Property
3981 Smokey Ridge Road, Traverse City, MI 49686
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