For Sale
800 N St Joseph Street, Suttons Bay, MI 49682
$949,000
MLS # 1945818 (Northern Great Lakes REALTORS® MLS)
3 beds1 bathBuilt 19440.22 acres
1 / 31
Listing Description
This isn't just a home, it is a lifestyle! Enjoy this year-round living or a classic beach house getaway in this bright and welcoming three-bedroom, 1 bath home with direct access to 110 feet of private waterfront on West Grand Traverse Bay. Large windows and an open layout fill the interior with natural light, offering panoramic, picturesque water views from multiple rooms. A walk-out design makes moving between indoor comforts and the shoreline effortless, creating an ideal flow for entertaining and enjoying outdoor living. This home has been updated to include a new roof, LP siding, storm drain, septic system, drain field, flooring, trim, Anderson windows, and two new patio sliders, along with fresh paint on the main level. Just a short stroll to downtown Suttons Bay, this property combines shoreline serenity with convenient access to shops, dining, and seasonal events. This home is perfect for all things summer, for beaching, launching a kayak, SUP board, or your own boat, or simply relaxing to the sounds of the bay. Living on West Bay gives one the ability to travel by boat to nearby towns, such as Traverse City, North Port, Bay Harbor, Omena Bay, Mackinaw, and much more; it's the Great Lakes!
Source: SparkMLS
About this home
This 3-bedroom, 1-bath home built in 1944 sits in Suttons Bay Village in Suttons Bay.
Listed at $949,000.
Electric service is provided by Consumers Energy Company; natural gas by DTE Gas Company.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms3
Bathrooms1
Lot Size0.22 acres
Year Built1944
Stories1
Location
CitySuttons Bay
MunicipalitySuttons Bay
Zip Code49682
CountyLeelanau
Construction & Systems
HeatingForced Air
WaterPrivate Water
Sale & Financing
Listed5/27/2026
Terms AcceptedCash, Conventional
Source: SparkMLS
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 Jennifer Edson-Rife
Five Star Real Estate - Front St TC
Frequently Asked Questions about 800 N St Joseph Street, Suttons Bay, MI 49682
What financing options are available for 800 N St Joseph Street, Suttons Bay, MI 49682?
Per MLS# 1945818, the seller has indicated this property accepts the following financing types: Cash, Conventional. Financing acceptance is subject to change — confirm with the listing agent.
Is 800 N St Joseph Street, Suttons Bay, MI 49682 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, 800 N St Joseph Street, Suttons Bay, MI 49682 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: Consumers Energy Company. 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 Suttons Bay police department or the Leelanau County sheriff's office.
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Monthly payment$6,155
Principal & interest$6,155
Estimate only. Does not include PMI or other fees. Consult a lender for exact rates.
Utilities
Consumers Energy Company
Investor-Owned
DTE Gas Company
Investor-Owned
MI Public Service Commission service territory boundaries.
Property
800 N St Joseph Street, Suttons Bay, MI 49682
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Municipality
Suttons Bay Village
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