For Sale
Smith Road Lot 40, Onekama, MI 49675
$31,900
MLS # 26032116 (Michigan Regional Information Center (MichRIC))
1.29 acres
1 / 27
Listing Description
Beautiful, wooded, corner, 1.3 acre lot to build your dream home in the Portage Ridge development. Walking distance to the community pool. Easy access to your building site. Underground natural gas, electric, and cable already to your site. Within a couple of miles to both Lake Michigan beaches and Portage Lake. Rent seasonal slip space at the Portage Point Resort, just down the road, to keep your boat. Located just off of M22 scenic highway which takes you along the lakeshore past orchards to quaint towns, lighthouses, and wineries . Ten miles to Little River Casino. Close to world class fishing and golf courses. Thirty minutes to Crystal Mtn ski resort. Close to the snowmobile trails.
Source: SparkMLS
About this home
Listed at $31,900.
Property tax estimate: $475 per year ($40/month). Tax figure is from the MLS listing record; verify with the county treasurer for the most current amount.
Electric service is provided by Consumers Energy Company; natural gas by Superior Energy Company.
Listing Property Details
Property TypeLand
Property SubtypeAcreage
Bathrooms0
Lot Size1.29 acres
Location
CityOnekama
MunicipalityOnekama Twp
Zip Code49675
CountyManistee
School DistrictOnekama
Construction & Systems
UtilitiesNatural Gas Available, Electricity Available, Cable Available, Natural Gas Connected, Electricity Connected
Sale & Financing
Listed6/25/2026
Terms AcceptedCash, Conventional
HOA
HOA Fee$436 / Annually
Source: SparkMLS
Tax Information
Annual Tax$475
Tax Year2025
Assessed Value$9,859
Parcel #511144004000
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 Jeffrey Sternberger
Portage Point Real Estate
Frequently Asked Questions about Smith Road Lot 40, Onekama, MI 49675
What school district is Smith Road Lot 40, Onekama, MI 49675 in?
Per MLS# 26032116, this property is served by Onekama. In Michigan, school district boundaries are set by the state and do not always follow city limits.
Can I use FHA or VA financing for this property?
Per MLS# 26032116, the seller has indicated this property accepts the following financing types: Cash, Conventional. Financing acceptance is subject to change — confirm with the listing agent.
How much are property taxes for this home?
Per MLS# 26032116, the most recent reported annual property tax for Smith Road Lot 40, Onekama, MI 49675 is $475 (2025). 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.
Is Smith Road Lot 40, Onekama, MI 49675 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, Smith Road Lot 40, Onekama, MI 49675 is in flood zone X (minimal risk). 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.
Who are the utility providers for this property?
Per Michigan Public Service Commission service territory data: Electric: Consumers Energy Company. Gas: Superior Energy Company. Confirm service details directly with providers.
How safe is this area?
For crime and public safety data, we recommend inquiring directly with the Onekama Twp police department or the Manistee County sheriff's office.
Map
Mortgage Calculator
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Monthly payment$243
Principal & interest$207
HOA$36
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
Smith Road Lot 40, Onekama, MI 49675
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