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Jenn Smart

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4309 W Phelps , Lake City, MI 49651
$219,900
Est. Payment: $1,145.93/mo
2 Bed
2 Bath
952 Sqft
Status: active | Days on site: 3
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VCR-C15903466 - VCR-C159091383,VCR-C159052275
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House Description

Tucked approximately 1/2 mile off W Phelps Road and surrounded by a beautiful mature hardwood forest, this exceptionally well-kept chalet offers the peace, privacy and Up North atmosphere buyers are searching for. Built approximately 1998 and gently used, the home is in impressive move-in-ready condition. The main level offers approximately 952 finished square feet with 2 bedrooms and a full bath. Warm wood interiors, vaulted ceilings, dramatic trapezoid windows and multiple sliding glass doors create an inviting open-concept kitchen, dining and living area filled with natural light and wooded views. A wood-burning fireplace provides the perfect gathering place on cool Michigan evenings. Step outside to an expansive wraparound deck in excellent condition, 704 sq ft with a large covered section creating outstanding outdoor living space. Relax, entertain or enjoy your morning coffee while overlooking the hardwoods in a setting so private and peaceful you'll hardly know a road is nearby. The home sits on a poured concrete foundation and the lower level adds tremendous versatility. A nearly completed 3/4 bath already includes the shower, toilet and pedestal sink, with flooring and minor trim work remaining. A spacious hobby/recreation room has its own exterior entrance, while an additional room features both exterior access and an egress window, offering excellent potential for guest space, office, recreation or additional sleeping accommodations, subject to buyer verification. The remaining lower level provides generous storage, laundry and mechanical space, including additional storage beneath the stairs. Additional features include a concrete parking pad and access by an approximately 1/2-mile recorded easement with a solid, firm road surface. If you're looking for a beautifully maintained Northern Michigan home where privacy, woods and peaceful surroundings take center stage, this one deserves a look. Move in, settle onto the deck and enjoy the serenity.

Highlights

Listed by Darby Schaub , 231-944-4587 City2Shore Real Estate Northern Michigan , 231-839-0077. MiRealSource, Inc. mls logo

Property Type

Residential

Lot/Acreage
10

Year Built

1998

County

Missaukee

Area

Pioneer Twp (57011)

Neighborhood

None

School District

Lake City Area School District

Listing ID

80072795

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:2
  • Bathrooms:2
  • Full Bathrooms:2
Appliances:Dryer, Microwave, Range/Oven, Refrigerator, Washer
Air Cond:Ceiling Fan(s)
Fireplaces:
Above Ground Sq Ft:952
Below Ground Sq Ft:0
Basement:Egress/Daylight Windows,Full,Outside Entrance,Walk Out,Poured,Interior Access
Other:
  • Additional:Cathedral/Vaulted Ceiling, Window Treatment(s)
Water:Private Well

Exterior Features

Lot Dimensions:660 x 660
Zoning:Residential
Others:
  • Additional:Deck, Porch
Sewer:Septic
Principal Interest
$1,146
Taxes
$140

Home Price

$219,900

Loan Details

30 yrs
6.792%

Down Payment

20%
$43,980
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:
$1,145.93

Principal

Taxes

Principal Taxes HOA Total
Monthly $1,145.93 $140.19 $0.00 $1,286.12
Yearly $13,751.15 $1,682.24 $0.00 $15,433.39
Total $412,534.62 $50,467.05 $0.00 $463,001.67
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 (Lake City, 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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