Under Contract
5383 Tonto Road, Pentwater, MI 49449
$989,000
MLS # 26014824 (Michigan Regional Information Center (MichRIC))
4 beds3 baths3,567 sqftBuilt 20060.22 acres
1 / 42
Listing Description
Welcome to this beautifully crafted custom home on Pentwater Lake, offering 60 feet of frontage with a steel seawall, shore station, and space for two boats--plus swimming. Built in 2007 w/quality and comfort in mind, this maintenance-free home features an open floor plan with 9-foot ceilings, rich maple flooring, & a spacious kitchen complete with granite, pantry abundant cabinetry. The thoughtfully designed layout includes 3 bedrooms and 2.5 baths, including a private primary ensuite with a no-step tile shower, Jacuzzi tub, and elegant tray ceiling. Enjoy peaceful mornings in the beautiful sunroom or entertain guests on the multi-level decking overlooking the water. The underground sprinkler system keeps the grounds looking their best, while the quiet dead-end street offers privacy and low traffic. An oversized 24x30 garage provides ample storage and is topped by an expansive 23x30 bonus room--perfect as a potential 4th bedroom, guest suite, home office, or recreation space.
Source: SparkMLS
About this home
4-bedroom, 3-bath, 3,567 sq ft home in Pentwater built in 2006.
Currently offered at $989,000 (about $277/sq ft).
Annual property taxes run approximately $4,636 ($386/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 Area3,567 sqft
Lot Size0.22 acres
Year Built2006
Stories2
Location
CityPentwater
MunicipalityPentwater Twp
Zip Code49449
CountyOceana
School DistrictPentwater
Construction & Systems
StyleTraditional
ConstructionVinyl Siding
BasementCrawl Space
Garage2 spaces
HeatingForced Air
WaterWell
SewerPublic
UtilitiesNatural Gas Connected, Cable Connected, High-Speed Internet
InteriorBroadband, Center Island, Eat-in Kitchen, Pantry
Sale & Financing
Listed4/10/2026
Terms AcceptedCash, Conventional
HOA
HOA Fee$280 / Annually
IncludesOther
Source: SparkMLS
Tax Information
Annual Tax$4,636
Tax Year2025
Assessed Value$180,019
Parcel #001-080-017-00
Source: SparkMLS
Legal Description
5383 W TONTO RD WD-L2004P20123 WD-L2004P20981 ESMT-L2005P22378 SPL FR 16 IN 83 PT TO 18 IN 90 & 23 IN 96 & 19 IN 96/PW APACHE HILLS REPLAT LOT 17.
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 Monica S Owens
Coldwell Banker Anchor-Pentwater
Frequently Asked Questions about 5383 Tonto Road, Pentwater, MI 49449
What school district is 5383 Tonto Road, Pentwater, MI 49449 in?
Per MLS# 26014824, this property is served by Pentwater. In Michigan, school district boundaries are set by the state and do not always follow city limits.
What financing options are available for 5383 Tonto Road, Pentwater, MI 49449?
Per MLS# 26014824, the seller has indicated this property accepts the following financing types: Cash, Conventional. Financing acceptance is subject to change — confirm with the listing agent.
How much are property taxes for this home?
Per MLS# 26014824, the most recent reported annual property tax for 5383 Tonto Road, Pentwater, MI 49449 is $4,636 (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 5383 Tonto Road, 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, 5383 Tonto Road, Pentwater, MI 49449 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.
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: Public. 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 Pentwater Twp police department or the Oceana County sheriff's office.
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Mortgage Calculator
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Monthly payment$6,438
Principal & interest$6,415
HOA$23
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
5383 Tonto Road, Pentwater, MI 49449
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