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Jenn Smart

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5540 N Bear Lake , Rose City, MI 48654
$210,000
Est. Payment: $1,094.34/mo
3 Bed
1 Bath
1032 Sqft
Status: active with contingency | Days on site: 42
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VCR-C15903466 - VCR-C159091383,VCR-C159052275
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House Description

BEAR LAKE WATERFRONT HOME! Escape to the peace and quiet of northern Michigan with this beautifully updated modified A-frame nestled on 2.7 wooded acres with 208 feet of frontage on private Bear Lake. Bordering the Huron National Forest, this property offers direct access to thousands of acres of public land for hiking, hunting, wildlife viewing, and year-round outdoor recreation, while nearby ATV and snowmobile trails can be accessed from the property. Inside, you'll find approximately 1,032 square feet of warm, inviting living space featuring soaring vaulted ceilings with exposed wood beams, an open-concept floor plan, and a cozy wood-burning stove that creates the perfect Up North atmosphere. The custom kitchen is loaded with character, showcasing handcrafted wood countertops, a corrugated metal backsplash, abundant workspace, and a walk-in pantry. The home offers three bedrooms and an updated full bath featuring a tiled walk-in shower. A spiral staircase leads to the upper level, where the loft-style layout adds charm and flexibility for family and guests. Step outside to enjoy the privacy of the wooded setting, frequent visits from deer and other wildlife, and peaceful views of Bear Lake, which is approximately 15 acres in size and reaching depths of around 30 feet, Bear Lake is well known locally for its fishing and quiet setting. Additional features include a durable metal roof, mini-split heating and cooling, a new septic installed in 2019, and two storage buildings—including a 12' x 8' shed wired for electricity and a 12' x 16' storage shed—providing plenty of room for tools, fishing gear, ATVs, and outdoor equipment. Whether you're looking for a year-round residence, weekend getaway, or recreational base camp, this turnkey property offers the perfect blend of comfort, privacy, and northern Michigan adventure.

Highlights

Listed by CHRIS DACK , 989-965-0509 BENJAMIN REALTY , 989-685-2414. MiRealSource, Inc. mls logo

Property Type

Residential

Lot/Acreage
2.7

Year Built

1994

County

Ogemaw

Area

Rose Twp (65013)

Neighborhood

N/A

School District

West Branch - Rose City Area Schools

Listing ID

80071264

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:1
  • Full Bathrooms:1
Appliances:Dryer, Range/Oven, Refrigerator, Washer
Air Cond:Heat Pump(s)
Fireplaces:Wood Stove
Above Ground Sq Ft:1032
Below Ground Sq Ft:0
Other:
  • Additional:Cathedral/Vaulted Ceiling, Window Treatment(s)
Water:Private Well

Exterior Features

Lot Dimensions:475x250
Zoning:Residential
Others:
  • Additional:Patio, Porch
Sewer:Septic
Principal Interest
$1,094
Taxes
$84

Home Price

$210,000

Loan Details

30 yrs
6.792%

Down Payment

20%
$42,000
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:
$1,094.34

Principal

Taxes

Principal Taxes HOA Total
Monthly $1,094.34 $83.50 $0.00 $1,177.84
Yearly $13,132.07 $1,002.02 $0.00 $14,134.09
Total $393,962.12 $30,060.60 $0.00 $424,022.72
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 (Rose 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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