For Sale
891 S State Street, Oscoda, MI 48750
$2,150,000
MLS # 1937789 (Northern Great Lakes REALTORS® MLS)
5 beds4 bathsBuilt 20071.05 acres
1 / 88
Listing Description
Welcome to an extraordinary lakefront estate that defines elegance, craftsmanship, and the pinnacle of coastal living. This one-of-a-kind 5 bedroom, 6 bathroom home spans over 6,000 square feet and boasts 90 feet of pristine, sandy shoreline on the breathtaking waters of Lake Huron, while located near Oscoda's quaint downtown. A property of this caliber—designed with enduring commercial-grade materials and elevated architectural design—is truly irreplaceable at this price point. Built for beauty and longevity, the exterior features cement-board siding, a doubly-insulated crawl space, heated driveway pad, a metal roof, and whole-property generator. These amenities are just a taste of the endless list of sublime materials used here to deliver minimal maintenance, and withstand the test of time. Inside, the home is a showcase of light and artistry, with oversized windows, a dramatic three-story solarium at its heart, and striking architectural details throughout. On the main floor, the primary suite is a serene sanctuary, with a spa-inspired ensuite and generous walk-in closet. A custom fieldstone fireplace in the living room, chef's kitchen with commercial appliances, and plenty of room for everyone, all overlook the sandy shoreline. Radiant heating runs beneath the floors of both the home, apartment, and garage, and zoned AC offers year-round comfort. Ample storage is seamlessly integrated into every corner of the home, with abundant closets, shelving, and built-ins designed for elegant practicality. Above the oversized three-car garage is a separate apartment with its own kitchen and double-sided fireplace—making hosting guests effortless. There are truly too many unique features to list—please see the detailed upgrade list. Immerse yourself in all lake life has to offer with this luxurious estate. Don’t miss your chance to own this rare masterpiece.
Source: SparkMLS
About this home
5-bedroom, 4-bath home in Oscoda built in 2007.
Currently offered at $2,150,000.
Electric service is provided by Consumers Energy Company; natural gas by DTE Gas Company.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms5
Bathrooms4
Lot Size1.05 acres
Year Built2007
Stories2
Location
CityOscoda
Zip Code48750
CountyIosco
Construction & Systems
BasementCrawl Space
HeatingNatural Gas, Radiant
WaterPublic
SewerPublic
Sale & Financing
Listed8/20/2025
Original Price$2,300,000
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 TIFARAH ARAGONA
GREAT LAKE REALTY CO, LLC
Frequently Asked Questions about 891 S State Street, Oscoda, MI 48750
Can I use FHA or VA financing for this property?
Per MLS# 1937789, 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, 891 S State Street, Oscoda, MI 48750 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 891 S State Street, Oscoda, MI 48750 in a flood zone?
Per FEMA flood maps, this property is designated as Zone AE, a high-risk flood area. 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.
What utilities serve 891 S State Street, Oscoda, MI 48750?
Per Michigan Public Service Commission service territory data: Electric: Consumers Energy Company. 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 local police department or county sheriff's office.
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Monthly payment$13,945
Principal & interest$13,945
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
891 S State Street, Oscoda, MI 48750
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