Agent profile image in chat bubble
Agent profile image in chat header

Jenn Smart

| SEO pages, v2 chat

Agent profile image in message

12511 SW Torch Lake , Rapid City, MI 49676
$1,695,000
Est. Payment: $8,832.88/mo
4 Bed
2 Bath
1600 Sqft
Status: active | Days on site: 33
Get Pre-Qualified
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.

House Description

Welcome to your turnkey Torch Lake retreat, where luxury, location, and lifestyle come together effortlessly. Wade into those famous turquoise waters and claim one of the most coveted vantage points on the lake, just steps from the energy and excitement of the Torch Lake Sandbar. Sitting only seconds from the Torch River, this property puts the entire Chain of Lakes at your fingertips. Inside, the four-bedroom, two-bath home has been thoughtfully refreshed with brand-new flooring and tasteful updates throughout. It's a clean, comfortable space with plenty of room for the whole family to gather. Outside, a professionally landscaped, multi-tiered stone patio invites you to entertain and unwind in equal measure, complete with a retractable sun awning for those long, golden afternoons. Set in a short-term-rental-friendly township with a proven track record of highly successful rentals, this is a rare opportunity to own a true income-producing getaway. Nearby Alden, Bellaire, Charlevoix, Elk Rapids, and Traverse City offer world-class dining, shopping, golf, and that unmistakable small-town charm. Properties like this on Torch Lake don't come around often, and they don't last.

Highlights

Listed by Haley Clack , 989-882-3738 Peninsula Properties Realty , 231-632-5448. MiRealSource, Inc. mls logo

Property Type

Residential

Lot/Acreage
0.11

Year Built

1998

County

Antrim

Area

Milton Twp (05012)

Neighborhood

None

School District

Elk Rapids Schools

Listing ID

80070371

Questions about this listing?

Contact Agent

Interior Features

Bedrooms and Bathrooms
  • Bedrooms:4
  • Bathrooms:2
  • Full Bathrooms:2
Appliances:Dishwasher, Dryer, Microwave, Range/Oven, Refrigerator, Washer
Air Cond:Ceiling Fan(s),Exhaust Fan
Fireplaces:Gas Fireplace
Above Ground Sq Ft:1600
Below Ground Sq Ft:0
Basement:Poured
Other:
  • Additional:Window Treatment(s), Skylights
Water:Private Well

Exterior Features

Lot Dimensions:53 x 88
Zoning:Residential
Others:
  • Additional:Lawn Sprinkler, Patio
Sewer:Septic
Principal Interest
$8,833
Taxes
$891

Home Price

$1,695,000

Loan Details

30 yrs
6.792%

Down Payment

20%
$339,000
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:
$8,832.88

Principal

Taxes

Principal Taxes HOA Total
Monthly $8,832.88 $890.83 $0.00 $9,723.71
Yearly $105,994.57 $10,689.93 $0.00 $116,684.50
Total $3,179,837.07 $320,697.90 $0.00 $3,500,534.97
Lender profile image
So-Crates Johnson
Dust, Wind, Dude
GET PRE-QUALIFIED

Never Miss a Property

Be the first to know when a property hits the market.

Current Listings

Last 30 Days
N/A
Sep 2026

Average Price

All Price Ranges
N/A
Sep 2026

Average Days on Market

All Price Ranges
N/A
Sep 2026
Market insight data is pulled from the same city as the listing being viewed (Rapid 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.

The information published and disseminated by MiRealSource is communicated verbatim, without change by MiRealSource, as filed with MiRealSource by its members. The accuracy of all information, regardless of source, is not guaranteed or warranted. All information should be independently verified.

Copyright 2026 MiRealSource. All rights reserved. The information provided hereby constitutes proprietary information of MiRealSource, Inc. and its shareholders, affiliates and licensees and may not be reproduced or transmitted in any form or by any means, electronic or mechanical, including photocopy, recording, scanning or any information storage and retrieval system, without written permission from MiRealSource, Inc.

Provided through IDX via MiRealSource. Courtesy of MiRealSource Shareholder. Copyright MiRealSource.

IDX service by Blueroof 360

Data last updated: 2026-09-02T04:57:55.100Z

© 2026 MiRealSource, Inc.

MLS Logo - MiRealSource, Inc.