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Jenn Smart

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128 River , Elk Rapids, MI 49629
$1,305,000
Est. Payment: $6,800.54/mo
2 Bed
3 Bath
3595 Sqft
Status: active | Days on site: 28
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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

Unique mixed-use opportunity in the heart of downtown Elk Rapids, Michigan, conveniently located near the harbor. Originally constructed circa 1948 as a bank, this distinctive property blends historic character with comfortable residential living. The upper level features a thoughtfully designed owner’s residence offering generous and flexible space, including a primary suite with jetted tub and walk-in closet, a large guest bedroom, and a den suitable for a variety of uses, including a potential non-conforming third bedroom. The residence includes a wood-burning fireplace and a spacious private deck, ideal for outdoor living, with gorgeous harbor views. The main level offers additional space currently used as a gallery, showcasing artwork from over 200 fine artists and craftsmen from across North America. The space features a second wood-burning fireplace and retains unique architectural elements, including the original bank vault, adding to the property’s character. To maintain privacy and professional standards, the property is shown by appointment only. Prospective buyers can review local zoning details via the Elk Rapids Village website to explore the full potential of this location.
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Highlights

Listed by Deirdre Carroll , 231-534-4753 Century 21 Northland , 231-929-7900. MiRealSource, Inc. mls logo

Property Type

Residential
Lot/Acreage
0.07

Year Built

1948

County

Antrim

Area

Elk Rapids Twp (05006)

 Neighborhood

H H Nobles Add To Elk Rapids

 School District

Elk Rapids Schools

Listing ID

80066960

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:2
  • ▪ Bathrooms:3
  • ▪ Full Bathrooms:2
  • ▪ 1/2 Bathrooms:1
Appliances:Dishwasher, Disposal, Dryer, Microwave, Refrigerator, Washer
Air Cond:Ceiling Fan(s),Central A/C,Exhaust Fan,Attic Fan
Fireplaces:
Above Ground Sq Ft:3595
Below Ground Sq Ft:0
Basement:Block,Full,Other (Basement),Stone
Other:
  • ▪ Additional:Bay Window, Spa/Jetted Tub, Security System, Window Treatment(s), Skylights
Water:Public Water

Exterior Features

Lot Dimensions:130x25
Zoning:Commercial
Others:
  • ▪ Additional:Deck, Fenced Yard, Patio, Sidewalks
Sewer:Community
Parking Features:Attached Garage,Garage
Principal Interest
$6,801
Taxes
$323

Home Price

$1,305,000

Loan Details

30 yrs
6.792%

Down Payment

20%
$261,000
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:
$6,800.54

Principal

Taxes

Principal Taxes HOA Total
Monthly $6,800.54 $323.06 $0.00 $7,123.60
Yearly $81,606.44 $3,876.74 $0.00 $85,483.18
Total $2,448,193.15 $116,302.20 $0.00 $2,564,495.35
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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 (Elk Rapids, 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: 2026-09-02T03:11:55.100Z

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