For Sale
445 E State Street, Traverse City, MI 49686
$1,700,000
MLS # 1946222 (Northern Great Lakes REALTORS® MLS)
8 beds3 bathsBuilt 18910.25 acres
1 / 37
Listing Description
A rare historic residence in downtown Traverse City, set on a prominent corner lot with a detached three-car garage. Just blocks from Front Street, beaches, restaurants, parks, and year-round downtown amenities, 445 E State Street combines walkable city living with the privacy, utility, and presence of an established in-town home. The corner setting gives the property an open, distinguished feel, while the garage adds the kind of practical flexibility that is difficult to find this close to downtown.
Source: SparkMLS
About this home
This 8-bedroom, 3-bath home built in 1891 sits in Traverse City in Traverse City.
Asking $1,700,000.
Electric service is provided by Traverse City Light & Power; natural gas by DTE Gas Company.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms8
Bathrooms3
Lot Size0.25 acres
Year Built1891
Stories2
Location
CityTraverse City
MunicipalityTraverse City
Zip Code49686
CountyGrand Traverse County
Construction & Systems
HeatingNatural Gas, Hot Water
WaterPublic
SewerPublic
Sale & Financing
Listed6/4/2026
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 Kevin Query
Manitou Commercial Real Estate, LLC
Frequently Asked Questions about 445 E State Street, Traverse City, MI 49686
What type of financing is accepted for this listing?
Per MLS# 1946222, 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 445 E State Street, 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, 445 E State Street, 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: Traverse City Light & Power. Gas: DTE Gas Company. Sewer: Public. 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 Traverse City police department or the Grand Traverse County County sheriff's office.
Map
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Monthly payment$11,026
Principal & interest$11,026
Estimate only. Does not include PMI or other fees. Consult a lender for exact rates.
Utilities
Traverse City Light & Power
Municipal
DTE Gas Company
Investor-Owned
MI Public Service Commission service territory boundaries.
Property
445 E State Street, Traverse City, MI 49686
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Municipality
Traverse City
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