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Jenn Smart

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3575 Charlevoix , Petoskey, MI 49770
$3,595,000
Est. Payment: $18,734.05/mo
6 Bed
8 Bath
5586 Sqft
Status: active | Days on site: 26
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VCR-C15903466 - VCR-C159091383,VCR-C159052275
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House Description

Rising above Little Traverse Bay, The Summit Over Bay Harbor offers a rare opportunity to create a bespoke waterfront residence in one of Northern Michigan's most prestigious resort settings. Designed for those who value elevated living, privacy, and unforgettable surroundings, each residence captures sweeping water views and dramatic sunsets from multiple levels. This expansive offering features approximately 5,586 square feet of interior living space, complemented by a 1,139 square foot rooftop terrace designed for entertaining, relaxation, and evening gatherings overlooking Lake Michigan. An additional 720 square feet of unfinished lower-level space provides flexibility for storage or future customization, bringing the total square footage to approximately 7,445 square feet. Floor-to-ceiling windows flood the interiors with natural light and frame the bay as a living work of art. The open main living level is ideal for hosting, anchored by a gourmet kitchen with premium appliances, generous island, fireplace, wet bar, and seamless indoor-outdoor flow. The primary suite is a serene retreat with panoramic water views, private patio access, a spacious walk-in closet, and spa-inspired bath. Multiple en-suite bedrooms, each with private outdoor access, provide exceptional comfort and privacy for family and guests. A detached guest house and four-car garage further enhance the residence, while elevator access connects each level with ease. Residences at The Summit Over Bay Harbor are offered as custom build opportunities, allowing buyers to select architectural details, interior finishes, and premium upgrades tailored to their lifestyle. Located across from The Cliffs at Bay Harbor and minutes from Petoskey, Charlevoix, Boyne City, and Harbor Springs, this is Northern Michigan luxury living at its finest.

Highlights

Listed by Candice Rich Vallone , 313-218-5300 and Patrick Leavy , 231-838-6700 @properties Christie's Int'l R.E. Birmingham , 248-850-8632. MiRealSource, Inc. mls logo

Property Type

Condo/Townhome

HOA Fee

3303 Quarterly

Year Built

2026

County

Emmet

Area

Petoskey (24027)

School District

Petoskey Schools

Listing ID

61001556

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:6
  • Bathrooms:8
  • Full Bathrooms:6
  • 1/2 Bathrooms:2
Appliances:Dishwasher, Disposal, Dryer, Range/Oven, Refrigerator, Washer
Air Cond:Central A/C
Fireplaces:Gas Fireplace,LivRoom Fireplace
Above Ground Sq Ft:5586
Below Ground Sq Ft:720
Basement:Finished
Other:
  • Additional:DSL Available, Fire Sprinkler, Cats Allowed, Dogs Allowed
Water:Public Water

Exterior Features

Others:
  • Additional:Deck
Parking Features:Attached Garage,Electric in Garage,Gar Door Opener,Heated Garage
Principal Interest
$18,734
Taxes
$2,292
HOA
$3,303

Home Price

$3,595,000

Loan Details

30 yrs
6.792%

Down Payment

20%
$719,000
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:
$18,734.05

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $18,734.05 $2,291.81 $3,303.00 $24,328.86
Yearly $224,808.54 $27,501.75 $39,636.00 $291,946.29
Total $6,744,256.21 $825,052.50 $1,189,080.00 $8,758,388.71
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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 (Petoskey, 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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