For Sale
8198 Horton Bay Road, Petoskey, MI 49770
$545,000
MLS # 20261029719 (Realcomp)
3 beds2 baths1,450 sqftBuilt 99998.5 acres
1 / 43
Listing Description
Hobby farm with many updates in an amazing location oozing with charm and character. This house is with in 3 miles of 3 of the best lakes in Michigan (Lake Walloon, Charlevoix & Lake Michigan) and within 15 minutes to the down towns of Petoskey , Charlevoix & Boyne city. Great spacious kitchen, recently re finished birds eye maple & pine floors. Outside there is a 35'x17' garage with breezeway to house, 2 parcels equating 8.5 acres, A very Large 2 level barn with stalls below / a lean too ( 17'x10')out building/ 4 pastures divided by an electric fence/ bonfire area/ large garden area. 2 parcels equaling 8.5 acres. (Parcel 00112000925 is 2.24 Acres) (Parcel 00112000935 is 6.50 Acres) A large porch. Beautiful views from inside and out.Newer Anderson replacement windows throughout out, new siding, updated electrical & a pellet stove for cheap heating bills through the winter. The 6-acre parcel could be split off to build multiple structures if an easement is provided. This property would make a wonderful home, where you could raise animals. It could also serve as a vacation home, short- or long-term rental or all of the above. Appointment only.
Source: SparkMLS
About this home
Located in Petoskey, this property offers 3-bedroom, 2-bath, 1,450 sq ft, with original construction dating to 9999.
Listed at $545,000 (about $376/sq ft).
Estimated annual property tax: $5,527, or about $461 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
Bedrooms3
Bathrooms2
Living Area1,450 sqft
Lot Size8.5 acres
Year Built9999
Stories2
Location
CityPetoskey
MunicipalityBay Twp
Zip Code49770
CountyCharlevoix
School DistrictBoyne City
Construction & Systems
ConstructionWood Siding
BasementMichigan Basement
Garage3 spaces
HeatingForced Air
WaterWell
SewerSeptic Tank
Sale & Financing
Listed4/28/2026
Terms AcceptedCash, Conventional, FHA, Rural Development, VA Loan
Source: SparkMLS
Tax Information
Annual Tax$5,527
Parcel #00112000925
Source: SparkMLS
Legal Description
BEG AT SW COR OF SEC 20 T34N R6W TH NLY AL R/W OF HORTON BAY RD N 925FT TO POB TH CONT AL SD ROW 300FT TH 90DEG E DISTANCEOF 325FT TH SLY & PARA WI HORTON BAY RD DISTANCE OF 300FT TH WLY TO POB APPROX 2.24A 94SP 0792 FROM 120-009-10
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 Robert C Sprader
KW Showcase Realty
Frequently Asked Questions about 8198 Horton Bay Road, Petoskey, MI 49770
Which school district serves 8198 Horton Bay Road, Petoskey, MI 49770?
Per MLS# 20261029719, 8198 Horton Bay Road, Petoskey, MI 49770 is in the Boyne City boundaries. School district assignments are determined by property location and may differ from the mailing city. Contact Boyne City directly to confirm enrollment eligibility.
What financing options are available for 8198 Horton Bay Road, Petoskey, MI 49770?
Per MLS# 20261029719, this listing accepts Cash, Conventional, FHA, Rural Development, VA Loan financing. FHA financing can offer lower down payment requirements for qualified buyers. Financing acceptance is subject to change — confirm with the listing agent.
What are the property taxes at 8198 Horton Bay Road, Petoskey, MI 49770?
Per public tax records, annual property taxes for this property are $5,527. 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, 8198 Horton Bay Road, Petoskey, MI 49770 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 8198 Horton Bay Road, Petoskey, MI 49770 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 8198 Horton Bay Road, Petoskey, MI 49770?
Per Michigan Public Service Commission service territory data: Electric: Great Lakes Energy Cooperative. Gas: DTE Gas Company. Sewer: Septic Tank. Water: Well. 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 Bay Twp police department or the Charlevoix County sheriff's office.
Map
Mortgage Calculator
$
%
$
$
$
Monthly payment$3,535
Principal & interest$3,535
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
8198 Horton Bay Road, Petoskey, MI 49770
View full property history →
Get email alerts for new listings near 8198 Horton Bay Road
We’ll notify you when new listings match your interests.
Munro Real Estate · MI Broker #6502405404 · No spam, one-click unsubscribe.