For Sale
4895 W Birch Lane, Pentwater, MI 49449
$419,000
MLS # 26035119 (Michigan Regional Information Center (MichRIC))
4 beds3 baths1,988 sqftBuilt 19955.83 acres
1 / 44
Listing Description
A COMFORTABLE PLACE TO CALL HOME! Nestled on 5.83 beautifully maintained acres, this one-owner home offers a peaceful setting tucked back from the road for added privacy. The impressive outdoor space features underground irrigation, mature landscaping, a fenced garden area, and an above-ground pool—perfect for enjoying the outdoors all summer long. Inside, you'll find a bright, welcoming interior with 4 bedrooms, 3 full baths, and a full walkout basement with an abundance of storage. Pride of ownership is evident throughout this well-maintained home. Additional features include an attached 2-car garage, two storage sheds, and access to the Birch Harbor Backlot Association. With two nearby access points to Bass Lake, you can enjoy year-round recreation just minutes from your doorstep. Located in Mason County in the Ludington School District. Immediate occupancy is available, so you can move in and start enjoying your new home this summer!
Source: SparkMLS
About this home
4-bedroom, 3-bath, 1,988 sq ft home in Pentwater built in 1995.
Asking $419,000 (about $211/sq ft).
Property tax estimate: $2,810 per year ($234/month). Tax figure is from the MLS listing record; verify with the county treasurer for the most current amount.
Electric service is provided by Great Lakes Energy Cooperative; natural gas by DTE Gas Company.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms4
Bathrooms3
Living Area1,988 sqft
Lot Size5.83 acres
Year Built1995
Stories1
Location
CityPentwater
MunicipalitySummit Twp
Zip Code49449
CountyMason
School DistrictLudington
Construction & Systems
StyleRanch
ConstructionVinyl Siding
BasementFull, Walk-Out Access
Garage2 spaces
HeatingForced Air
WaterWell
SewerSeptic Tank
UtilitiesHigh-Speed Internet
Sale & Financing
Listed7/9/2026
Terms AcceptedCash, FHA, VA Loan, Conventional
Source: SparkMLS
Tax Information
Annual Tax$2,810
Tax Year2025
Assessed Value$104,014
Parcel #53-014-136-017-50
Source: SparkMLS
Legal Description
Lengthy - Part of S 1/4 Corner of Section 36, Summit Township
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 Jackie Makowicki
Five Star RE Ludington
Frequently Asked Questions about 4895 W Birch Lane, Pentwater, MI 49449
What school district is 4895 W Birch Lane, Pentwater, MI 49449 in?
Per MLS# 26035119, this property is served by Ludington. In Michigan, school district boundaries are set by the state and do not always follow city limits.
Can I use FHA or VA financing for this property?
Per MLS# 26035119, the seller has indicated this property accepts the following financing types: Cash, FHA, VA Loan, Conventional. 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# 26035119, the most recent reported annual property tax for 4895 W Birch Lane, Pentwater, MI 49449 is $2,810 (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.
Is 4895 W Birch Lane, Pentwater, MI 49449 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, 4895 W Birch Lane, Pentwater, MI 49449 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: Great Lakes Energy Cooperative. Gas: DTE Gas Company. Sewer: Septic Tank. Water: Well. Confirm service details directly with providers.
How safe is this area?
For crime and public safety data, we recommend inquiring directly with the Summit Twp police department or the Mason County sheriff's office.
Map
BETAMulti-Year Tax History
View SEV, Taxable Value, and uncapping difference for this parcel — Mason County public records.
Mortgage Calculator
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Monthly payment$2,718
Principal & interest$2,718
Estimate only. Does not include PMI or other fees. Consult a lender for exact rates.
Utilities
Great Lakes Energy Cooperative
Co-op
DTE Gas Company
Investor-Owned
MI Public Service Commission service territory boundaries.
Property
4895 W Birch Lane, Pentwater, MI 49449
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