Under Contract
5400 Tonto Road, Pentwater, MI 49449
$1,350,000
MLS # 26025845 (Michigan Regional Information Center (MichRIC))
4 beds4 baths2,422 sqftBuilt 19920.29 acres
1 / 55
Listing Description
Enjoy the best of Pentwater Lakefront living in this spacious home with a cottage vibe...where 60' of private frontage, dock space for your boat, and sweeping 180° water views create the perfect setting. Thoughtfully landscaped and designed to embrace the outdoors, this inviting home features two spacious lakeside decks, two second-floor balconies, and a charming street-side garden patio. Inside, you'll find 4 comfortable bedrooms plus an additional bedroom/office with its own private balcony, along with 3.5 bathrooms. The bonus room above the garage with a private bathroom offers flexible space for guests, home office, or recreation area. The 3-season sun porch provides a warm and welcoming place to unwind while taking in the lake views. The kitchen and dining area feature white-washed maple hardwood floors and cabinetry that add warmth and timeless coastal charm throughout the home.
Source: SparkMLS
About this home
4-bedroom, 4-bath, 2,422 sq ft home in Pentwater built in 1992.
Asking $1,350,000 (about $557/sq ft).
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
Bathrooms4
Living Area2,422 sqft
Lot Size0.29 acres
Year Built1992
Stories2
Location
CityPentwater
MunicipalityPentwater Twp
Zip Code49449
CountyOceana
School DistrictPentwater
Construction & Systems
StyleTraditional
ConstructionVinyl Siding
BasementCrawl Space
Garage2 spaces
HeatingForced Air
WaterWell
UtilitiesNatural Gas Connected, Cable Connected, High-Speed Internet
InteriorCeiling Fan(s), Garage Door Opener
Sale & Financing
Listed5/28/2026
Terms AcceptedCash, FHA, Conventional
HOA
HOA Fee$281 / Annually
IncludesSnow Removal
Source: SparkMLS
Tax Information
Annual Tax$0
Tax Year0
Assessed Value$275,180
Parcel #001-080-006-00
Source: SparkMLS
Legal Description
5400 W TONTO RD WD-L2012P23366 SPL FR 005 IN 86 PT TO 007 IN 92 APACHE HILLS REPLAT LOT 6.
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 Dodie Stark
Coldwell Banker Anchor-Hart
Frequently Asked Questions about 5400 Tonto Road, Pentwater, MI 49449
What school district is 5400 Tonto Road, Pentwater, MI 49449 in?
Per MLS# 26025845, this property is served by Pentwater. In Michigan, school district boundaries are set by the state and do not always follow city limits.
What type of financing is accepted for this listing?
Per MLS# 26025845, the seller has indicated this property accepts the following financing types: Cash, FHA, Conventional. FHA financing can offer lower down payment requirements for qualified buyers. Financing acceptance is subject to change — confirm with the listing agent.
Is 5400 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, 5400 Tonto Road, 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. 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.
Loading map...
Mortgage Calculator
$
%
$
$
$
Monthly payment$8,779
Principal & interest$8,756
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
5400 Tonto Road, Pentwater, MI 49449
View full property history →
Get email alerts for new listings near 5400 Tonto Road
We’ll notify you when new listings match your interests.
Munro Real Estate · MI Broker #6502405404 · No spam, one-click unsubscribe.