Pending
5146 LOWER SHORE Drive, Harbor Springs, MI 49740
$1,445,000
MLS # 20240010751 (Realcomp)
3 beds2 baths1,205 sqftBuilt 19690.9 acres
1 / 85
Listing Description
This charming Beach House Cottage in Harbor Springs boasts 100 feet of stunning Lake Michigan Frontage and is surrounded by miles of sandy beach, just steps away from the deck. Nestled on the coveted Lower Shore Drive, This year-round retreat exudes relaxation and character. Enjoy breathtaking sunsets and the soothing sound of the waves from the open windows, making it feel like a dream come true. Located just off the Tunnel of Trees, this cottage offers excellent rental potential with short-term rentals allowed. With Low maintenance and just under an acre of property, there's ample space for a multiple-car garage and carriage house. Situated in a neighborhood of multi-million dollar properties and with limited inventory on Lower Shore Drive, this property is a must-see!
Source: SparkMLS
About this home
Located in Harbor Springs, this property offers 3-bedroom, 2-bath, 1,205 sq ft, with original construction dating to 1969.
Listed at $1,445,000 (about $1,199/sq ft).
Property tax estimate: $7,827 per year ($652/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. Fiber internet is available at this address with download speeds up to 1,000 Mbps across 6 providers.
Tour
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms3
Bathrooms2
Living Area1,205 sqft
Lot Size0.9 acres
Year Built1969
Stories2
Location
CityHarbor Springs
MunicipalityWest Traverse Twp
Zip Code49740
CountyEmmet
School DistrictHarbor Springs
Construction & Systems
ConstructionWood Siding
BasementCrawl Space
HeatingBaseboard, Other
WaterWell
SewerSeptic Tank
Sale & Financing
Listed2/24/2024
Terms AcceptedCash, Conventional
Source: SparkMLS
Tax Information
Annual Tax$7,827
Parcel #161231201047
Source: SparkMLS
Legal Description
SEVEN MILE POINT SHORES, LOT 47 & SE'LY 30 FT OF LOT 46. SECTION 31, T36N, R6W.
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 Robert C Sprader
KW Showcase Realty
Frequently Asked Questions about 5146 LOWER SHORE Drive, Harbor Springs, MI 49740
Which school district serves 5146 LOWER SHORE Drive, Harbor Springs, MI 49740?
Per MLS# 20240010751, 5146 LOWER SHORE Drive, Harbor Springs, MI 49740 is in the Harbor Springs boundaries. School district assignments are determined by property location and may differ from the mailing city. Contact Harbor Springs directly to confirm enrollment eligibility.
What financing options are available for 5146 LOWER SHORE Drive, Harbor Springs, MI 49740?
Per MLS# 20240010751, this listing accepts Cash, Conventional financing. Financing acceptance is subject to change — confirm with the listing agent.
What are the property taxes at 5146 LOWER SHORE Drive, Harbor Springs, MI 49740?
Per public tax records, annual property taxes for this property are $7,827. 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, 5146 LOWER SHORE Drive, Harbor Springs, MI 49740 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 5146 LOWER SHORE Drive, Harbor Springs, MI 49740 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 internet service is available at this address?
Per FCC Broadband Data Collection filings, fiber internet is available at 5146 LOWER SHORE Drive, Harbor Springs, MI 49740. The maximum advertised download speed is 1.0 Gbps. 6 internet providers serve this address. Confirm availability and speeds directly with providers.
What utilities serve 5146 LOWER SHORE Drive, Harbor Springs, MI 49740?
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 West Traverse Twp police department or the Emmet County sheriff's office.
Map
Mortgage Calculator
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Monthly payment$9,372
Principal & interest$9,372
Estimate only. Does not include PMI or other fees. Consult a lender for exact rates.
Internet
FiberDownload
1 Gbps
Upload
1 Gbps
CableFiberGSO SatelliteSatelliteLicensed Fixed Wireless
6 providers at this address
SpectrumCable
1 GbpsTruestreamFiber
1 GbpsStarlinkGSO Satellite
280 MbpsHughesNetSatellite
100 MbpsViasat IncSatellite
100 MbpsT-MobileLicensed Fixed Wireless
0 MbpsFCC Broadband Data Collection (Dec 2025). Max advertised speeds.
Utilities
Great Lakes Energy Cooperative
Co-op
DTE Gas Company
Investor-Owned
MI Public Service Commission service territory boundaries.
Property
5146 LOWER SHORE Drive, Harbor Springs, MI 49740
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