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Jenn Smart

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10862 Torchlight , Central Lake, MI 49622
$697,900
Est. Payment: $3,636.85/mo
3 Bed
1 Bath
902 Sqft
Status: active | Days on site: 4
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VCR-C15903466 - VCR-C159091383,VCR-C159052275
By proceeding you are providing Jenn Smart with your express written consent to send you marketing and promotional communications via calls or prerecorded messages dialed by a natural person or by using an artificial or automated telephone dialing system.

By checking the box, you consent to receive marketing text messages. If checked, you consent to receiving texts including marketing and promotional communications, from Jenn Smart. Messages and data rates may apply. Message frequency varies. To opt out of text messages, reply STOP. Your consent is not required as a condition of any purchase. By continuing, you also agree to our Terms & Conditions and Privacy Policy.
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Jenn Smart
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House Description

Welcome to the Guest House—your opportunity to enjoy attainable Torch Lake living. Beautifully updated and thoughtfully designed, this inviting three-bedroom, one-bath home offers comfortable year-round living or the perfect Northern Michigan getaway. The bright, open floor plan creates an easy flow between the kitchen, dining, and living areas, while the convenient laundry/mudroom is ideal after a day spent on the water. Step outside to the spacious deck, perfect for morning coffee, summer barbecues, or relaxing after a day on the lake. Just a one-minute walk brings you to the shared deeded Torch Lake frontage and dock, where you can enjoy boating, swimming, paddleboarding, or simply taking in the crystal-clear waters that make Torch Lake legendary. As an added bonus, the property includes the adjacent vacant lot, providing extra privacy today and exciting possibilities for tomorrow. Whether you're searching for a seasonal escape, a full-time residence, or an investment in one of Northern Michigan's most sought-after destinations, the Guest House offers an exceptional opportunity to enjoy the Torch Lake lifestyle at an attainable price.
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Highlights

Listed by Kimberly Leahy , 231-463-6354 and Darci Springborn , 231-590-8321 REO - Elk Rapids-101308 , 231-264-6604. MiRealSource, Inc. mls logo

Property Type

Residential
Lot/Acreage
0.34

Year Built

1946

County

Antrim

Area

Central Lake Twp (05002)

 Neighborhood

Torchlight Condo

 School District

Central Lake Public Schools

Listing ID

80070317

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:3
  • ▪ Bathrooms:1
  • ▪ Full Bathrooms:1
Appliances:Dishwasher, Dryer, Freezer, Microwave, Range/Oven, Refrigerator, Washer
Air Cond:Ceiling Fan(s),Window Unit(s)
Fireplaces:
Above Ground Sq Ft:902
Below Ground Sq Ft:0
Other:
  • ▪ Additional:Cathedral/Vaulted Ceiling, Window Treatment(s)
Water:Community Well

Exterior Features

Lot Dimensions:122x113x128x115
Zoning:Residential
Others:
  • ▪ Additional:Deck, Porch
Sewer:Septic
Principal Interest
$3,637
Taxes
$445

Home Price

$697,900

Loan Details

30 yrs
6.792%

Down Payment

20%
$139,580
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:
$3,636.85

Principal

Taxes

Principal Taxes HOA Total
Monthly $3,636.85 $444.91 $0.00 $4,081.77
Yearly $43,642.25 $5,338.94 $0.00 $48,981.18
Total $1,309,267.43 $160,168.05 $0.00 $1,469,435.48
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So-Crates Johnson
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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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Data last updated: 2026-09-02T01:10:54.300Z

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