Sold
4539 N 5th Street, Luna Pier, MI 48157
Sold on 12/05/2025 for$202,000
MLS # 20251026733 (Realcomp)
3 beds1 bath1,600 sqftBuilt 19500.39 acres
1 / 36
Listing Description
Walk to the beach! This charming Luna Pier home sits on 6 lots just a stroll from Lake Erie with easy beach access.Discover the charm of Luna Pier living with this delightful home, perfectly situated on six spacious lots (110–115) along N. 5th Street. Inside, warm hardwood floors welcome you into the living areas, while the kitchen, dining, and bath shine offer amazing space to cook and entertain. The second floor offers 3 spacious bedrooms. The kitchen and bathroom have been thoughtfully updated. All appliances are included, making move-in a breeze.The exterior is equally impressive with vinyl siding, and a 2+ car detached garage—ideal for the hobbyist, collector, or extra storage. Step out back to your stamped concrete patio, a perfect spot for outdoor dining and entertaining.With convenient access to shopping, schools, highways, and the shoreline, this home offers a peaceful retreat with all the perks of lake living. Come see why Luna Pier is the place to be!
Source: SparkMLS
About this home
Located in Luna Pier in Luna Pier, this property offers 3-bedroom, 1-bath, 1,600 sq ft, with original construction dating to 1950.
Final sale price: $202,000 (about $126/sq ft).
Annual property taxes run approximately $2,940 ($245/month). Tax figure is from the MLS listing record; verify with the county treasurer for the most current amount.
Fiber internet is available at this address with download speeds up to 7,000 Mbps across 8 providers. Electric service is provided by Consumers Energy Company; natural gas by Michigan Gas Utilities Corporation.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms3
Bathrooms1
Living Area1,600 sqft
Lot Size0.39 acres
Year Built1950
Stories2
Location
CityLuna Pier
Zip Code48157
CountyMonroe
Construction & Systems
ConstructionVinyl Siding
BasementCrawl Space
Garage2 spaces
HeatingForced Air
WaterPublic
SewerPublic
Sale & Financing
Listed8/13/2025
Sold Date12/4/2025
Original Price$230,000
Terms AcceptedCash, Conventional, FHA
Source: SparkMLS
Tax Information
Annual Tax$2,940
Parcel #585109502800
Source: SparkMLS
Legal Description
756-322 1004-674 1005-140 COUSINO'S SECOND ADDITION TO ERIE GROVE LOTS 110 THRU 115 INCL
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 Jessica Millerwise
MGR Real Estate
Frequently Asked Questions about 4539 N 5th Street, Luna Pier, MI 48157
What financing options are available for 4539 N 5th Street, Luna Pier, MI 48157?
Per MLS# 20251026733, the seller has indicated this property accepts the following financing types: Cash, Conventional, FHA. FHA financing can offer lower down payment requirements for qualified buyers. Financing acceptance is subject to change — confirm with the listing agent.
How much are property taxes for this home?
Per MLS# 20251026733, the most recent reported annual property tax for 4539 N 5th Street, Luna Pier, MI 48157 is $2,940. 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 4539 N 5th Street, Luna Pier, MI 48157 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, 4539 N 5th Street, Luna Pier, MI 48157 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.
Is fiber internet available at 4539 N 5th Street, Luna Pier, MI 48157?
Per FCC broadband data, this property has access to fiber internet service. The maximum advertised download speed is 7.0 Gbps. 8 internet providers serve this address. Confirm availability and speeds directly with providers.
Who are the utility providers for this property?
Per Michigan Public Service Commission service territory data: Electric: Consumers Energy Company. Gas: Michigan Gas Utilities Corporation. Sewer: Public. Water: Public. Confirm service details directly with providers.
How safe is this area?
Per our practice, crime and safety data should be obtained directly from the authoritative source. Monroe County law enforcement agencies participate in CLEMIS (Courts and Law Enforcement Management Information System) for public safety records.
Map
Mortgage Calculator
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Monthly payment$1,362
Principal & interest$1,362
Estimate only. Does not include PMI or other fees. Consult a lender for exact rates.
Internet
FiberDownload
7 Gbps
Upload
7 Gbps
FiberCableLicensed Fixed WirelessGSO SatelliteUnlicensed Fixed WirelessSatellite
8 providers at this address
FrontierFiber
7 GbpsSpectrumCable
1 GbpsVerizonLicensed Fixed Wireless
300 MbpsStarlinkGSO Satellite
280 MbpsMercury FiberUnlicensed Fixed Wireless
150 MbpsHughesNetSatellite
100 MbpsViasat IncSatellite
100 MbpsT-MobileLicensed Fixed Wireless
25 MbpsFCC Broadband Data Collection (Dec 2025). Max advertised speeds.
Utilities
Consumers Energy Company
Investor-Owned
Michigan Gas Utilities Corporation
Investor-Owned
MI Public Service Commission service territory boundaries.
Property
4539 N 5th Street, Luna Pier, MI 48157
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Municipality
Luna Pier
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County
Monroe County
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