For Sale
4098 Sixth Street, Frankfort, MI 49635
$499,000
MLS # 1947764 (Northern Great Lakes REALTORS® MLS)
1 bed1 bathBuilt 19390.18 acres
1 / 34
Listing Description
If you've been dreaming of easy lake life, welcome to this charming cute as a button cottage on the shores of Lower Herring Lake. With 46 feet of private lake frontage, you'll enjoy peaceful waterfront living with endless opportunities for swimming, kayaking, paddleboarding, fishing, or simply relaxing by the water's edge. This all-sports lake even provides access to Lake Michigan through the outlet and surrounded by conservancy land making it an ideal destination for water enthusiasts. Ideally located just south of Frankfort along the scenic M-22 corridor, this cottage places you in the heart of Northern Michigan, surrounded by breathtaking Lake Michigan shoreline, hiking and biking trails, and endless outdoor recreation. Inside, you'll find a cozy, thoughtfully designed interior featuring a kitchen, full bathroom, bedroom and a bright living and dining space that captures beautiful lake views. The lakeside sunroom is the perfect spot to entertain guests, enjoy your morning coffee, or unwind while taking in the tranquil sights and sounds of the water. This peaceful lakefront community offers both serenity and surrounding convenience. Just minutes away, you'll discover the sandy beaches and spectacular sunsets of Lake Michigan, along with the charming waterfront communities of Frankfort and Elberta, where you'll find local shops, restaurants, marinas, and year-round events. Nearby lake and river access, golf courses, and scenic trails provide even more opportunities to experience the best of Northern Michigan. Whether you're searching for a year-round residence or a seasonal retreat, this delightful waterfront cottage offers an exceptional chance to enjoy the relaxed lifestyle and natural beauty that make Northern Michigan so special.
Source: SparkMLS
About this home
1-bedroom, 1-bath home in Frankfort built in 1939.
Listed at $499,000.
Electric service is provided by Consumers Energy Company.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms1
Bathrooms1
Lot Size0.18 acres
Year Built1939
Location
CityFrankfort
Zip Code49635
CountyBenzie
Construction & Systems
BasementCrawl Space
HeatingBaseboard
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 Kari King
Century 21 Northland-Frankfort
Frequently Asked Questions about 4098 Sixth Street, Frankfort, MI 49635
Can I use FHA or VA financing for this property?
Per MLS# 1947764, 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 4098 Sixth Street, Frankfort, MI 49635 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, 4098 Sixth Street, Frankfort, MI 49635 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. 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
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Monthly payment$3,237
Principal & interest$3,237
Estimate only. Does not include PMI or other fees. Consult a lender for exact rates.
Utilities
Consumers Energy Company
Investor-Owned
MI Public Service Commission service territory boundaries.
Property
4098 Sixth Street, Frankfort, MI 49635
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