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Jenn Smart

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9865 SW Torch Lake , Rapid City, MI 49676
$1,375,000
Est. Payment: $7,165.32/mo
3 Bed
3 Bath
1787 Sqft
Status: pending | Days on site: 75
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VCR-C15903466 - VCR-C159091383,VCR-C159052275
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House Description

Classic cottage charm meets breathtaking Torch Lake seclusion, with this unique property on the lake's desirable southwest shore. The cottage has terrific character and is laid out to capture spectacular lake views from every room. Single level living is provided with main floor primary suite, wide open kitchen / living / dining area, two main level guest rooms, and a main floor laundry. A lower level rec. room / bunk room is perfect for the more rambunctious members of your crew. For those cold winter nights, there are fireplaces in the primary bedroom and living room. Outdoor living is maximized with expansive, multi-level decks off the lake side of the home. A long boardwalk frames the well-manicured lawn all the way to the water's edge where extensive stone and stairs provide excellent access to the water and erosion protection. There's even a huge lakeside platform complete with a large firepit for s'mores by the lake, and a secure place to store kayaks. Additional parking for trailered boats, cars, or even space for a little pick up basketball lies just behind the cottage and way from the roadside. The location offers ideal boat access to the Torch Lake Sandbar and Torch River to the south, and the Clam River and Dockside Restaurant to the north. It's also an easy run into Traverse City or Elk Rapids for some rainy day shopping or a night on the town. This truly is an exceptional property for anyone longing for that old-school cottage feel and natural northern Michigan setting.

Highlights

Listed by Chad Brown , 231-499-8292 and Mandy Brown , 231-499-8425 Homewaters, LLC , 877-820-1194. MiRealSource, Inc. mls logo

Property Type

Residential

Lot/Acreage
0.85

Year Built

1981

County

Antrim

Area

Milton Twp (05012)

Neighborhood

n/a

School District

Elk Rapids Schools

Listing ID

80069173

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:3
  • Full Bathrooms:3
Appliances:Dishwasher, Disposal, Dryer, Microwave, Range/Oven, Washer
Air Cond:Central A/C
Fireplaces:
Above Ground Sq Ft:1787
Below Ground Sq Ft:525
Basement:Block,Full,Partially Finished,Walk Out
Other:
  • Additional:Window Treatment(s)
Water:Private Well

Exterior Features

Lot Dimensions:116 x 320
Zoning:Residential
Others:
  • Additional:Deck, Lawn Sprinkler, Porch
Sewer:Septic
Parking Features:Attached Garage,Gar Door Opener,Garage
Principal Interest
$7,165
Taxes
$877

Home Price

$1,375,000

Loan Details

30 yrs
6.792%

Down Payment

20%
$275,000
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:
$7,165.32

Principal

Taxes

Principal Taxes HOA Total
Monthly $7,165.32 $876.56 $0.00 $8,041.88
Yearly $85,983.80 $10,518.75 $0.00 $96,502.55
Total $2,579,513.85 $315,562.50 $0.00 $2,895,076.35
Lender profile image
So-Crates Johnson
Dust, Wind, Dude
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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: 2026-09-02T04:57:55.100Z

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