For Sale
4554 Crescent Beach Road, Onekama, MI 49675
$1,499,000
MLS # 26025363 (Michigan Regional Information Center (MichRIC))
4 beds3 baths2,300 sqftBuilt 19850.55 acres
1 / 22
Listing Description
Own150 FT. of private PORTAGE LAKE frontage with access to LAKE MICHIGAN! This 4 BR 3 BA home has been meticulously maintained and extensively updated. Recent improvements include new flooring, fresh paint, new furnace, fireplace insert with blower, new roof, siding, windows, updated bathrooms, lined crawlspace, professional landscaping, outdoor lighting and security system. The 2car attached garage is heated and offers plenty of storage and a new full house generator! Custom built-in hutch in kitchen and living room. Stunning lake views from main living areas. The aluminum dock is perfect for your own boat just outside your door. Trex decking spans the lakeside of home, creating a great place to relax and entertain. Additional amenities include reverse osmosis, a large newly poured driveway that offers abundant parking and even accommodates pickleball recreation! This home location is a water enthusiast's dream. Portage Lake is a sandy bottom lake of 2,110 ac. (more photos to come).
Source: SparkMLS
About this home
4-bedroom, 3-bath, 2,300 sq ft home in Onekama built in 1985.
Listed at $1,499,000 (about $652/sq ft).
Annual property taxes run approximately $2,820 ($235/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 Superior Energy Company.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms4
Bathrooms3
Living Area2,300 sqft
Lot Size0.55 acres
Year Built1985
Stories1
Location
CityOnekama
MunicipalityOnekama Vlg
Zip Code49675
CountyManistee
School DistrictOnekama
Construction & Systems
StyleRanch
ConstructionBrick, Wood Siding
BasementCrawl Space
Garage2 spaces
HeatingForced Air
WaterWell
SewerSeptic Tank
UtilitiesPhone Available, Natural Gas Available, Electricity Available, Cable Available, Natural Gas Connected, Cable Connected, High-Speed Internet
InteriorCeiling Fan(s), Broadband, Garage Door Opener, Center Island, Eat-in Kitchen
Sale & Financing
Listed5/27/2026
Terms AcceptedCash, FHA, VA Loan, Conventional
Source: SparkMLS
Tax Information
Annual Tax$2,820
Tax Year2025
State Equalized Value$589,400
Taxable Value$323,542
Assessed Value$323,542
Homestead (PRE)100%
Parcel #11-035-029-00
Source: Public Records
Legal Description
PT GOV LOT 3, COM INT OF W LN GOV LOT 3 & N R/O/W M-22, TH S 81 DEG 57 MIN 37 SEC E 192.92 FT TO POB, TH N 1 DEG 23 MIN 23 MIN E 125.55 FT TO SEAWALL, TH S 82 DEG E 125 FT M/L ALG SEAWALL, TH CONT ALG SEAWALL N 72 DEG E 33 FT M/L, TH S 1 DEG 23 MIN 23 SEC W 138.42 FT TO N R/O/W LN M-22, TH N 81 DEG 57 MIN 37 SEC W 152.49 FT TO POB. .44 A M/L. SEC 35 T23N R16W. SALE(94) 1586 1544
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 Heather Barker
LIGHTHOUSE REALTY-Manistee
Frequently Asked Questions about 4554 Crescent Beach Road, Onekama, MI 49675
Which school district serves 4554 Crescent Beach Road, Onekama, MI 49675?
Per MLS# 26025363, 4554 Crescent Beach Road, Onekama, MI 49675 is in the Onekama boundaries. School district assignments are determined by property location and may differ from the mailing city. Contact Onekama directly to confirm enrollment eligibility.
What financing options are available for 4554 Crescent Beach Road, Onekama, MI 49675?
Per MLS# 26025363, this listing accepts Cash, FHA, VA Loan, Conventional financing. FHA financing can offer lower down payment requirements for qualified buyers. Financing acceptance is subject to change — confirm with the listing agent.
What are the property taxes at 4554 Crescent Beach Road, Onekama, MI 49675?
Per public tax records, annual property taxes for this property are $2,820 (2025). 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, 4554 Crescent Beach Road, Onekama, MI 49675 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 4554 Crescent Beach Road, Onekama, MI 49675 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 4554 Crescent Beach Road, Onekama, MI 49675?
Per Michigan Public Service Commission service territory data: Electric: Consumers Energy Company. Gas: Superior Energy 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 Onekama Vlg police department or the Manistee County sheriff's office.
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Monthly payment$9,722
Principal & interest$9,722
Estimate only. Does not include PMI or other fees. Consult a lender for exact rates.
Utilities
Consumers Energy Company
Investor-Owned
Superior Energy Company
Investor-Owned
MI Public Service Commission service territory boundaries.
Property
4554 Crescent Beach Road, Onekama, MI 49675
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