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Jenn Smart

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3463 NE Torch Lake , Central Lake, MI 49622
$3,495,000
Est. Payment: $18,212.93/mo
4 Bed
6 Bath
4599 Sqft
Status: active | Days on site: 7
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VCR-C15903466 - VCR-C159091383,VCR-C159052275
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House Description

SUNSETS OVER TORCH LAKE from this newly listed home on 140 feet of premier frontage. Over 4500 sq. ft. of exquisite living space will be yours to enjoy from this immaculate home on the shores of Torch Lake. As you enter the foyer you will be impressed by the openness and natural light from the wall of windows showcasing the views. The spacious living room features hardwood floors, beamed vaulted ceilings, and a stone fireplace. A gourmet kitchen enhanced by a large island, quartz countertops, double wall ovens, two dishwashers, icemaker, beverage fridge and more. The study/den offers a quiet retreat for working from home. Invite your friends over for game night in the three-season sun room while enjoying the views. Relax in the main floor primary suite complemented by a fireplace, sitting room, dual walk-in closets, luxurious bath with soaking tub, separate shower and more. Upstairs discover a reading loft, two ensuite bedrooms each with walk-in closets and private baths. The guest house has a stone fireplace, cathedral ceilings, full kitchen, stainless appliances, two bedrooms and bathroom. The 3-car detached garage offers living space above, perfect for your workout room, media room or a rec room plus large storage room on the main floor. Additional amenities include 3 bedrooms, 3 ½ baths in main house; a full house generator; updated light fixtures and ceiling fans; outdoor shower; custom details throughout. Outdoor entertaining will be a breeze on your 2-acre setting with patios and covered porches, the unique meandering creek is a soothing backdrop and the mature trees offer you the privacy and serenity you seek. Get ready for dinner by the lake prepared in your outdoor kitchen, stories around the built-in gas log fire pit and end the evening with a cruise around the lake. Start living the dream on Torch Lake!

Highlights

Listed by Donald Fedrigon , 231-218-8400 REMAX Of Elk Rapids , 231-264-5400. MiRealSource, Inc. mls logo

Property Type

Residential

Lot/Acreage
2

Year Built

2010

County

Antrim

Area

Central Lake Twp (05002)

Neighborhood

Minnie-Wa-Wa

School District

Central Lake Public Schools

Listing ID

80072734

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:4
  • Bathrooms:6
  • Full Bathrooms:4
  • 1/2 Bathrooms:2
Appliances:Dishwasher, Disposal, Refrigerator
Air Cond:Central A/C
Fireplaces:Gas Fireplace
Above Ground Sq Ft:4599
Below Ground Sq Ft:0
Basement:Poured
Other:
  • Additional:Cathedral/Vaulted Ceiling, Spa/Jetted Tub, Walk-In Closet
Water:Private Well

Exterior Features

Lot Dimensions:Irregular.
Zoning:Residential
Others:
  • Additional:Lawn Sprinkler, Patio, Porch
Sewer:Septic
Parking Features:Attached Garage,Garage
Principal Interest
$18,213
Taxes
$2,710

Home Price

$3,495,000

Loan Details

30 yrs
6.792%

Down Payment

20%
$699,000
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:
$18,212.93

Principal

Taxes

Principal Taxes HOA Total
Monthly $18,212.93 $2,710.17 $0.00 $20,923.10
Yearly $218,555.17 $32,522.00 $0.00 $251,077.17
Total $6,556,655.21 $975,660.00 $0.00 $7,532,315.21
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So-Crates Johnson
Dust, Wind, Dude
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Market insight data is pulled from the same city as the listing being viewed (Central Lake, MI).

The schools listed are within a 2-mile radius of the property; however, attendance is not guaranteed. Please contact the local school district to confirm zoning and enrollment options.

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Copyright 2026 MiRealSource. All rights reserved. The information provided hereby constitutes proprietary information of MiRealSource, Inc. and its shareholders, affiliates and licensees and may not be reproduced or transmitted in any form or by any means, electronic or mechanical, including photocopy, recording, scanning or any information storage and retrieval system, without written permission from MiRealSource, Inc.

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Data last updated: 2026-09-02T01:10:54.300Z

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