For Sale
5089 Cottage Dr SE Drive SE, Kalkaska, MI 49646
$464,990
MLS # 20261026839 (Realcomp)
3 beds1 bath900 sqftBuilt 19501.4 acres
1 / 51
Listing Description
Located on all sports East Lake in Kalkaska just over 1.5 acres "the size of almost 2 football fields". This furnished house is Lakefront, 3 bedroom 1 bath very low maintenance home. Private sandy bottom beach with dock and fire pit. Public Access with boat launch right down the street. High and dry no flooding issues. Remodeled kitchen in 2026, counter tops, cabinets, appliances and flooring. Stove is gas (propane). Propane heater also Pellet burner (easier and cleaner than woodburner) Tankless water heater. 30x44 sealed building on cement with electric and 20 plug outlets, Including one outlet on front of building and one on back. Flood lights also front and back of building. Large area cleared behind barn also large area cleared next to barn for extra storage (boats, campers, another building etc). LED lighting. Barn also has 220 hook up for welders. Electric is back fed to the house so you have one meter. Exhaust fan in center building and man cave. Man Cave is 12x30 insulated with wood burner in building. Everything in man cave is included. 20 min drive west of I-75 of 72. Gas station/convenience store on corner is 1 mile away, state trails right down the road about 4-5 miles for snowmobiling or atvs. 8 min drive to downtown Kalkaska, 25 min drive to Travers City, 20 min drive to turtle creek, 20 min drive to fife lake. Be sure to view the virtual tour!
Source: SparkMLS
About this home
3-bedroom, 1-bath, 900 sq ft home in Kalkaska built in 1950.
Currently offered at $464,990 (about $517/sq ft).
Annual property taxes run approximately $2,037 ($170/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
Bedrooms3
Bathrooms1
Living Area900 sqft
Lot Size1.4 acres
Year Built1950
Stories1
Location
CityKalkaska
MunicipalityKalkaska Twp
Zip Code49646
CountyKalkaska
School DistrictForest Area
Construction & Systems
ConstructionVinyl Siding
BasementSlab
Garage3 spaces
WaterWell
SewerSeptic Tank
Sale & Financing
Listed4/21/2026
Original Price$499,990
Terms AcceptedCash, Conventional
Source: SparkMLS
Tax Information
Annual Tax$2,037
Parcel #01002100120
Source: SparkMLS
Legal Description
PARCEL 3: PART OF GOV'T LOT 1 SEC 22 AND PART OF GOV'T LOT 1 SEC 21 26-7 BEG AT NW COR OF SEC 22 TH E 25 FT ON N LINE OF SEC 22 TH S 450.54 FT TH N 74 DEG 47'33" W 50 FT TH S 145.17 FT TO A PT ALONG THE N SHORE OF EAST LAKE TH N 66 DEG 10' 43" W 74.1 4 FT ALONG SAID LINE TH LEAVING SAID SHORE- LINE N 551.89 FT TO THE N LINE OF SEC 21 TH E 100 FT ALONG SAID N SEC LINE TO POB CONT 1.4 ACRES **EXCEPT
Property Records
USDA Rural Development: Eligible — 0% Down Payment Available
Verify eligibility at USDAListed by Michelle Pietrzyk
American Real Estate Services
Frequently Asked Questions about 5089 Cottage Dr SE Drive SE, Kalkaska, MI 49646
Which school district serves 5089 Cottage Dr SE Drive SE, Kalkaska, MI 49646?
Per MLS# 20261026839, 5089 Cottage Dr SE Drive SE, Kalkaska, MI 49646 is in the Forest Area boundaries. School district assignments are determined by property location and may differ from the mailing city. Contact Forest Area directly to confirm enrollment eligibility.
Can I use FHA or VA financing for this property?
Per MLS# 20261026839, this listing accepts Cash, Conventional financing. Financing acceptance is subject to change — confirm with the listing agent.
What are the property taxes at 5089 Cottage Dr SE Drive SE, Kalkaska, MI 49646?
Per public tax records, annual property taxes for this property are $2,037. 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, 5089 Cottage Dr SE Drive SE, Kalkaska, MI 49646 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.
What utilities serve 5089 Cottage Dr SE Drive SE, Kalkaska, MI 49646?
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.
What is the crime rate in this area?
For crime and public safety data, we recommend inquiring directly with the Kalkaska Twp police department or the Kalkaska County sheriff's office.
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Mortgage Calculator
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Monthly payment$3,016
Principal & interest$3,016
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
5089 Cottage Dr SE Drive SE, Kalkaska, MI 49646
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