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Jenn Smart

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7636 Crystal , Rapid City, MI 49676
$1,850,000
Est. Payment: $9,640.61/mo
3 Bed
2 Bath
1660 Sqft
Status: active | Days on site: 6
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VCR-C15903466 - VCR-C159091383,VCR-C159052275
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House Description

Welcome to your Torch Lake Sandbar getaway, where golden sandy beaches, crystal-clear turquoise water, and unforgettable lake days await! This 3BR, 1.5BA waterfront home offers 66 feet of prime sandy Torch Lake frontage. The beautiful north-facing lake views and a shallow sandy entry perfect for swimming and family beach days. Located just east of the Torch River Bridge and walk out distant from the famous Torch Lake Sandbar, this property offers easy access to one of Northern Michigan’s most sought-after destinations and the incredible Chain of Lakes lifestyle. Enjoy your private golden beach, with bonfires, sunsets, and endless days on the water. The dock is included for easy boating access. Inside, the home offers a warm and inviting layout with gorgeous original wood floors throughout the main living areas and bedrooms. The living room and dining area provide comfortable spaces for gathering, while the heated all-season room offers a spectacular lake view and additional living space perfect for morning coffee, working from home, or enjoying rainy afternoons while still taking in the beauty of Torch Lake. The three bedrooms and updated full bath are thoughtfully separated down the hall from the main living spaces. Upstairs provides additional potential with open unfinished space, a half bath, and laundry area with washer and dryer. Additional features include a proven short-term rental history, paved driveway for easy parking, and south-facing solar panels that help offset energy costs, with recent electric bills are extremely low. Whether you’re searching for a year-round residence, vacation retreat, or waterfront investment, this Torch Lake property offers the location, lifestyle, and memories that make Northern Michigan so special.

Highlights

Listed by Sarah Burlingame , Up North Properties , 231-498-2498. MiRealSource, Inc. mls logo

Property Type

Residential

Lot/Acreage
0.12

Year Built

1935

County

Kalkaska

Area

Clearwater Twp (40004)

Neighborhood

Person's Harbor

School District

Kalkaska Public Schools

Listing ID

80070879

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:2
  • Full Bathrooms:1
  • 1/2 Bathrooms:1
Appliances:Dishwasher, Dryer, Microwave, Range/Oven, Refrigerator, Washer
Air Cond:Central A/C
Fireplaces:
Above Ground Sq Ft:1660
Below Ground Sq Ft:0
Other:
  • Additional:Walk-In Closet
Water:Private Well

Exterior Features

Lot Dimensions:66x77
Zoning:Residential
Others:
  • Additional:Lawn Sprinkler, Sidewalks
Principal Interest
$9,641
Taxes
$1,179

Home Price

$1,850,000

Loan Details

30 yrs
6.792%

Down Payment

20%
$370,000
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:
$9,640.61

Principal

Taxes

Principal Taxes HOA Total
Monthly $9,640.61 $1,179.38 $0.00 $10,819.98
Yearly $115,687.29 $14,152.50 $0.00 $129,839.79
Total $3,470,618.64 $424,575.00 $0.00 $3,895,193.64
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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 (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.

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Data last updated: 2026-09-02T07:12:09.900Z

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