Sold
8195 Fifth Street, Onekama, MI 49675
Sold on 05/01/2026 for$651,750
MLS # 1940138 (Northern Great Lakes REALTORS® MLS)
5 beds3 bathsBuilt 18800.89 acres
1 / 49
Listing Description
Step into timeless charm with this beautifully preserved Victorian in the heart of Onekama. Set on nearly an acre, this 1880 home radiates character with original wood trim, high ceilings, and the inviting warmth of a bygone era, balanced by modern updates including new siding, roof, deck, and doors, with new windows on order. Currently used as a bed and breakfast, the home comes fully furnished and features 5 bedrooms, 3 baths, and nearly 2,900 square feet of living space. A self-contained 1-bed, 1-bath apartment offers flexibility for a caretaker, guest suite, or rental opportunity. Enjoy a resort-style backyard with an in-ground pool, dry sauna located in the 2-car garage, and serene views of Portage Lake from the porch. The property’s location can’t be beat, walkable to the public beach and village shops, and just a short drive to the Lake Michigan shoreline, Arcadia Dunes, and Manistee. Whether you’re dreaming of continuing its use as a B&B, creating a family retreat, or simply embracing Victorian charm in a lakeside village, this property is truly one of a kind.
Source: SparkMLS
About this home
This 5-bedroom, 3-bath home built in 1880 sits in Onekama Village in Onekama.
Final sale price: $651,750.
Electric service is provided by Consumers Energy Company; natural gas by Superior Energy Company.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms5
Bathrooms3
Lot Size0.89 acres
Year Built1880
Stories2
Location
CityOnekama
Zip Code49675
CountyManistee
Construction & Systems
BasementCrawl Space
HeatingBaseboard, Hot Water
WaterPublic
SewerPublic
Sale & Financing
Listed10/29/2025
Sold Date4/30/2026
Terms AcceptedCash, Conventional
Source: SparkMLS
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 Christina Roberts
Keller Williams Northern Michigan
Frequently Asked Questions about 8195 Fifth Street, Onekama, MI 49675
Can I use FHA or VA financing for this property?
Per MLS# 1940138, this listing accepts Cash, Conventional financing. Financing acceptance is subject to change — confirm with the listing agent.
Can I use a USDA Rural Development loan for this property?
Per USDA Rural Development boundary data, 8195 Fifth Street, Onekama, MI 49675 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 8195 Fifth Street, Onekama, MI 49675 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 8195 Fifth Street, Onekama, MI 49675?
Per Michigan Public Service Commission service territory data: Electric: Consumers Energy Company. Gas: Superior Energy Company. Sewer: Public. 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 local police department or county sheriff's office.
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Monthly payment$4,858
Principal & interest$4,858
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
8195 Fifth Street, Onekama, MI 49675
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Municipality
Onekama Village
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