For Sale
7812 Main Street, Bear Lake, MI 49614
$549,000
MLS # 26033160 (Michigan Regional Information Center (MichRIC))
6 beds7 baths6,438 sqftBuilt 19060.73 acres
1 / 44
Listing Description
Step back in time with this stunning Victorian home, once operated as a successful Bed & Breakfast and filled with timeless charm and exceptional craftsmanship. Throughout the home you'll find the beautiful architectural details you would expect, including leaded and stained-glass windows, along with one-of-a-kind features such as a striking Petoskey stone fireplace and exquisite bird's-eye maple trim in the primary bedroom. The third floor offers incredible flexibility with its own private living space--ideal for guests, extended family, a rental opportunity, or a private owner's suite. Located in the welcoming lake village of Bear Lake, this beautiful home is just 15 minutes from the sandy shores of Lake Michigan and approximately 45 minutes south of Traverse City along the scenic M-31 corridor. Whether you're looking for a distinctive residence, an income-producing property, or both, this remarkably large home offers endless possibilities.
Source: SparkMLS
About this home
Located in Bear Lake Village in Bear Lake, this property offers 6-bedroom, 7-bath, 6,438 sq ft, with original construction dating to 1906.
Asking $549,000 (about $85/sq ft).
Estimated annual property tax: $8,250, or about $688 monthly. Tax figure is from the MLS listing record; verify with the county treasurer for the most current amount.
Electric service is provided by Consumers Energy Company; natural gas by Superior Energy Company.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms6
Bathrooms7
Living Area6,438 sqft
Lot Size0.73 acres
Year Built1906
Stories3
Location
CityBear Lake
MunicipalityBear Lake Vlg
Zip Code49614
CountyManistee
School DistrictBear Lake
Construction & Systems
StyleVictorian
ConstructionBlock
BasementFull, Walk-Out Access
Garage2 spaces
HeatingBaseboard, Forced Air
WaterPublic
SewerSeptic Tank
UtilitiesNatural Gas Connected, Cable Connected
InteriorBroadband, Center Island, Pantry
Sale & Financing
Listed6/30/2026
Terms AcceptedCash, Conventional
Source: SparkMLS
Tax Information
Annual Tax$8,250
Tax Year2025
State Equalized Value$417,500
Taxable Value$229,737
Assessed Value$229,737
Homestead (PRE)100%
Parcel #32-221-704-05
Source: Public Records
Legal Description
VILLAGE OF BEAR LAKE LOTS 7 & 8 BLOCK B SALE(79) 3375 1465, 1376 1257 (82) 4411 1691 (86) 325 1480 1098 (91) 3541 2551 (02) 1669 4827 1288 (04) 1669 2908 1237
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 Corinn Fink
Five Star Real Estate (Onekama)
Frequently Asked Questions about 7812 Main Street, Bear Lake, MI 49614
Which school district serves 7812 Main Street, Bear Lake, MI 49614?
Per MLS# 26033160, 7812 Main Street, Bear Lake, MI 49614 is in the Bear Lake boundaries. School district assignments are determined by property location and may differ from the mailing city. Contact Bear Lake directly to confirm enrollment eligibility.
What financing options are available for 7812 Main Street, Bear Lake, MI 49614?
Per MLS# 26033160, this listing accepts Cash, Conventional financing. Financing acceptance is subject to change — confirm with the listing agent.
What are the property taxes at 7812 Main Street, Bear Lake, MI 49614?
Per public tax records, annual property taxes for this property are $8,250 (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.
Can I use a USDA Rural Development loan for this property?
Per USDA Rural Development boundary data, 7812 Main Street, Bear Lake, MI 49614 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 7812 Main Street, Bear Lake, MI 49614 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 utilities serve 7812 Main Street, Bear Lake, MI 49614?
Per Michigan Public Service Commission service territory data: Electric: Consumers Energy Company. Gas: Superior Energy Company. Sewer: Septic Tank. Water: Public. 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 Bear Lake Vlg police department or the Manistee County sheriff's office.
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Monthly payment$3,561
Principal & interest$3,561
Estimate only. Does not include PMI or other fees. Consult a lender for exact rates.
Utilities
Consumers Energy Company
Investor-Owned
Superior Energy Company
Investor-Owned
MI Public Service Commission service territory boundaries.
Property
7812 Main Street, Bear Lake, MI 49614
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Municipality
Bear Lake Village
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