Under Contract
840 E Eighth Street, Traverse City, MI 49686
$447,900
MLS # 1947727 (Northern Great Lakes REALTORS® MLS)
3 beds1 bathBuilt 18960.13 acres
1 / 24
Listing Description
Discover the timeless charm and character of this historic two story home, thoughtfully updated while preserving its classic appeal. The inviting main floor features an updated kitchen; a bedroom and comfortable living spaces designed for everyday living. Upstairs, you'll find two additional bedrooms, offering plenty of room for family, guests, or a home office. Situated on an ample, beautifully landscaped lot, the property boasts a charming pergola—perfect for relaxing, entertaining, or enjoying the peaceful outdoor setting. Approximately ten years ago, the home underwent extensive renovations, including new shingles, siding, windows, flooring, an updated kitchen, and an electric boiler providing efficient hot water radiant heat. With its blend of historic character, modern updates, generous outdoor space, and convenient alley and roadside parking, this well-maintained home is ready for its next chapter.
Source: SparkMLS
About this home
3-bedroom, 1-bath home in Traverse City in Traverse City built in 1896.
Currently offered at $447,900.
Electric service is provided by Traverse City Light & Power; natural gas by DTE Gas Company.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms3
Bathrooms1
Lot Size0.13 acres
Year Built1896
Stories2
Location
CityTraverse City
MunicipalityTraverse City
Zip Code49686
CountyGrand Traverse County
Construction & Systems
BasementCrawl Space, Michigan Basement, Other
HeatingBaseboard, Hot Water
WaterPublic
SewerPublic
Sale & Financing
Listed7/7/2026
Terms AcceptedCash, Conventional, FHA, MSHDA
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 Toni V Morrison
REO - Elk Rapids-101308
Frequently Asked Questions about 840 E Eighth Street, Traverse City, MI 49686
Can I use FHA or VA financing for this property?
Per MLS# 1947727, this listing accepts Cash, Conventional, FHA, MSHDA financing. FHA financing can offer lower down payment requirements for qualified buyers. 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, 840 E Eighth Street, Traverse City, MI 49686 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 840 E Eighth Street, Traverse City, MI 49686 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 840 E Eighth Street, Traverse City, MI 49686?
Per Michigan Public Service Commission service territory data: Electric: Traverse City Light & Power. Gas: DTE Gas 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 Traverse City police department or the Grand Traverse County County sheriff's office.
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Monthly payment$2,905
Principal & interest$2,905
Estimate only. Does not include PMI or other fees. Consult a lender for exact rates.
Utilities
Traverse City Light & Power
Municipal
DTE Gas Company
Investor-Owned
MI Public Service Commission service territory boundaries.
Property
840 E Eighth Street, Traverse City, MI 49686
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Municipality
Traverse City
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