For Sale
4405 S Hemlock Road, Cedar, MI 49621
$499,000
MLS # 20261045447 (Realcomp)
3 beds3 baths3,018 sqftBuilt 19990.37 acres
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Listing Description
Beautiful Northern Michigan Ranch Near the National LakeshoreNestled in a highly desirable Sugar Loaf Chalets just minutes from the National Lakeshore, this meticulously maintained 1,518-square-foot ranch offers the perfect combination of comfort, quality, and peace of mind. Featuring an attached extra-deep garage, a fully finished lower level, and numerous upgrades completed since 2018, this home is move-in ready and designed for year-round enjoyment.The spacious main level showcases natural hardwood flooring, Andersen windows and doorwall, granite kitchen countertops, and a welcoming living room with a cathedral ceiling and beautiful gas fireplace with mantel. The primary suite features an elegant tray ceiling, while ceiling fans throughout the kitchen, living room, and primary bedroom provide added comfort.The fully finished lower level significantly expands the living space and includes a half bath, abundant storage, and a non-conforming room perfect for a home office, hobby room, fitness area, or guest accommodations.Built with quality in mind, the home features energy-efficient 2x6 wall construction with extra insulation, a high-efficiency furnace and central air system, a newer water softener, and a whole-house automatic generator installed in 2023.Outside, enjoy a beautifully landscaped yard complete with an underground sprinkler system, stamped concrete patio, storage shed on a concrete slab, and a tear-off roof replacement completed 2018. The extra-deep attached garage offers plenty of room for vehicles, a boat, recreational equipment, or workshop space.This exceptional home offers the best of Northern Michigan living—quality construction, thoughtful updates, and an outstanding location close to beaches, trails, boating, and all the natural beauty the area has to offer.
Source: SparkMLS
About this home
3-bedroom, 3-bath, 3,018 sq ft home in Cedar built in 1999.
Listed at $499,000 (about $165/sq ft).
Property tax estimate: $1,972 per year ($164/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 DTE Gas Company.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms3
Bathrooms3
Living Area3,018 sqft
Lot Size0.37 acres
Year Built1999
Stories1
Location
CityCedar
MunicipalityCenterville Twp
Zip Code49621
CountyLeelanau
School DistrictLeland
Construction & Systems
ConstructionVinyl Siding
Garage2 spaces
HeatingForced Air
WaterWell
SewerSeptic Tank
InteriorBasement Finished
Sale & Financing
Listed6/15/2026
Terms AcceptedCash, Conventional
HOA
HOA Fee$100 / Annually
Source: SparkMLS
Tax Information
Annual Tax$1,972
Parcel #00240005100
Source: SparkMLS
Legal Description
LOT 51 SUGAR LOAF CHALETS SUBD NO 2 SEC 18 T29N R12W 0.37 A M/L
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 Oliver Smith
EXP Realty Main
Frequently Asked Questions about 4405 S Hemlock Road, Cedar, MI 49621
Which school district serves 4405 S Hemlock Road, Cedar, MI 49621?
Per MLS# 20261045447, 4405 S Hemlock Road, Cedar, MI 49621 is in the Leland boundaries. School district assignments are determined by property location and may differ from the mailing city. Contact Leland directly to confirm enrollment eligibility.
Can I use FHA or VA financing for this property?
Per MLS# 20261045447, this listing accepts Cash, Conventional financing. Financing acceptance is subject to change — confirm with the listing agent.
What are the property taxes at 4405 S Hemlock Road, Cedar, MI 49621?
Per public tax records, annual property taxes for this property are $1,972. 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, 4405 S Hemlock Road, Cedar, MI 49621 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 4405 S Hemlock Road, Cedar, MI 49621 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 4405 S Hemlock Road, Cedar, MI 49621?
Per Michigan Public Service Commission service territory data: Electric: Consumers Energy Company. Gas: DTE Gas Company. Sewer: Septic Tank. Water: Well. 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 Centerville Twp police department or the Leelanau County sheriff's office.
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Mortgage Calculator
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Monthly payment$3,245
Principal & interest$3,237
HOA$8
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
4405 S Hemlock Road, Cedar, MI 49621
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