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Jenn Smart

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4405 S Hemlock , Cedar, MI 49621
$459,000
Est. Payment: $2,391.91/mo
3 Bed
3 Bath
1518 Sqft
Status: active | Days on site: 55
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VCR-C15903466 - VCR-C159091383,VCR-C159052275
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House Description

Beautiful Northern Michigan Ranch Near the National Lakeshore Nestled in a highly desirable Sugar Loaf Chalets just minutes from the National Lakeshore, this meticulously maintained 1,518-square-foot ranch offers the perfect combination of comfort, quality, and peace of mind. Featuring an attached extra-deep garage, a fully finished lower level, and numerous upgrades completed since 2018, this home is move-in ready and designed for year-round enjoyment. The spacious main level showcases natural hardwood flooring, Andersen windows and doorwall, granite kitchen countertops, and a welcoming living room with a cathedral ceiling and beautiful gas fireplace with mantel. The primary suite features an elegant tray ceiling, while ceiling fans throughout the kitchen, living room, and primary bedroom provide added comfort. The fully finished lower level significantly expands the living space and includes a half bath, abundant storage, and a non-conforming room perfect for a home office, hobby room, fitness area, or guest accommodations. Built with quality in mind, the home features energy-efficient 2x6 wall construction with extra insulation, a high-efficiency furnace and central air system, a newer water softener, and a whole-house automatic generator installed in 2023. Outside, enjoy a beautifully landscaped yard complete with an underground sprinkler system, stamped concrete patio, storage shed on a concrete slab, and a tear-off roof replacement completed 2018. The extra-deep attached garage offers plenty of room for vehicles, a boat, recreational equipment, or workshop space. This exceptional home offers the best of Northern Michigan living--quality construction, thoughtful updates, and an outstanding location close to beaches, trails, boating, and all the natural beauty the area has to offer.

Highlights

Listed by Oliver Smith , 734-564-6731 EXP Realty Main , 888-501-7085. MiRealSource, Inc. mls logo

Property Type

Residential

Lot/Acreage
0.37

HOA Fee

100 Yearly

Year Built

1999

County

Leelanau

Area

Centerville Twp (45002)

Neighborhood

Sugar Loaf Chalets

School District

Leland Public School District

Listing ID

61003032

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:3
  • Full Bathrooms:2
  • 1/2 Bathrooms:1
Above Ground Sq Ft:1518
Below Ground Sq Ft:1500
Basement:Finished
Water:Private Well

Exterior Features

Lot Dimensions:57 x 190 x 110 x 205
Sewer:Septic
Parking Features:Attached Garage
Principal Interest
$2,392
Taxes
$164
HOA
$100

Home Price

$459,000

Loan Details

30 yrs
6.792%

Down Payment

20%
$91,800
All calculations are estimates and provided by Blueroof360. Today’s Rates provided by Blueroof360. Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Monthly Price:
$2,391.91

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $2,391.91 $164.33 $100.00 $2,656.25
Yearly $28,702.95 $1,972.00 $1,200.00 $31,874.95
Total $861,088.62 $59,160.00 $36,000.00 $956,248.62
Lender profile image
So-Crates Johnson
Dust, Wind, Dude
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Market insight data is pulled from the same city as the listing being viewed (Cedar, MI).

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Data last updated: 2026-09-02T04:57:55.100Z

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