For Sale
7545 Oyster Bay Drive 4, Charlevoix, MI 49720
$4,990,000
MLS # 26022212 (Michigan Regional Information Center (MichRIC))
5 beds5 baths6,513 sqftBuilt 19990.2 acres
1 / 77
Listing Description
On the famed shores of Oyster Bay, one of Lake Charlevoix's most coveted addresses, 7545 Oyster Bay Drive presents a rare opportunity within an exclusive gated community. This high-quality custom home boasts 234 feet of shoreline, a private underwater swim platform steps from your door, and a 60-foot slip in the association marina, delivering the ultimate lake lifestyle. Six bedrooms and five baths are designed for entertaining. The two-story great room anchors the main floor with soaring ceilings and windows framing panoramic views. A gourmet kitchen with an oversized island, two dishwashers, refrigerator drawers, double ovens, and a walk-in pantry opens to water-view dining. The primary suite features a fireplace, sitting area, built-ins, and a private office. Its ensuite offers a double vanity, tub, walk-in shower, and a double-sided custom closet. A family room, wet bar, and laundry with dog shower complete this level. Radiant heat, new flooring, and a refreshed kitchen
Source: SparkMLS
About this home
This 5-bedroom, 5-bath, 6,513 sq ft home built in 1999 sits in Charlevoix.
Currently offered at $4,990,000 (about $766/sq ft).
Estimated annual property tax: $30,400, or about $2,533 monthly. 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
Bedrooms5
Bathrooms5
Living Area6,513 sqft
Lot Size0.2 acres
Year Built1999
Stories2
Location
CityCharlevoix
MunicipalityHayes Twp
Zip Code49720
CountyCharlevoix
School DistrictCharlevoix
Construction & Systems
StyleTraditional
ConstructionShingle Siding, Stone
BasementFull, Walk-Out Access
Garage3 spaces
HeatingForced Air, Hot Water, Radiant
WaterPrivate Water
UtilitiesPhone Connected, Natural Gas Connected, Cable Connected, High-Speed Internet
InteriorCeiling Fan(s), Central Vacuum, Garage Door Opener, Sauna, Wet Bar, Center Island, Eat-in Kitchen, Pantry
Sale & Financing
Listed5/13/2026
Terms AcceptedCash, Conventional
HOA
HOA Fee$10,000 / Annually
IncludesOther, Water, Trash
Source: SparkMLS
Tax Information
Annual Tax$30,400
Tax Year2025
State Equalized Value$1,928,200
Taxable Value$1,258,337
Assessed Value$1,297,345
Homestead (PRE)100%
Parcel #007-475-004-00
Source: Public Records
Legal Description
UNIT 4 OYSTER POINTE CONDO AS RECED L316 P714-P802 CHX CO R/D 6.25% 1ST AMEND L316 P814; 2ND AMEND L336 P903; 3RD AMEND L396 P793; 4TH AMEND L1136 P497
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 Kristin Carlson
Keller Williams GR East
Frequently Asked Questions about 7545 Oyster Bay Drive 4, Charlevoix, MI 49720
What school district is 7545 Oyster Bay Drive 4, Charlevoix, MI 49720 in?
Per MLS# 26022212, this property is served by Charlevoix. 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# 26022212, 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# 26022212, the most recent reported annual property tax for 7545 Oyster Bay Drive 4, Charlevoix, MI 49720 is $30,400 (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 7545 Oyster Bay Drive 4, Charlevoix, MI 49720 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, 7545 Oyster Bay Drive 4, Charlevoix, MI 49720 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: Private Water. Confirm service details directly with providers.
How safe is this area?
For crime and public safety data, we recommend inquiring directly with the Hayes Twp police department or the Charlevoix County sheriff's office.
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Monthly payment$33,198
Principal & interest$32,365
HOA$833
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
7545 Oyster Bay Drive 4, Charlevoix, MI 49720
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