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Jenn Smart

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539 Bay , Traverse City, MI 49684
$1,999,000
Est. Payment: $10,417.07/mo
2 Bed
2 Bath
1214 Sqft
Status: active | Days on site: 6
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VCR-C15903466 - VCR-C159091383,VCR-C159052275
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House Description

Experience luxury waterfront living in this exceptional 3-bedroom penthouse offering panoramic views of Grand Traverse Bay and endless blue-water horizons. Perched on the top floor, this elegant residence is filled with natural light and features a spacious, chef-inspired kitchen thoughtfully designed for both everyday living and entertaining. Retreat to the beautifully appointed primary suite, complete with a private ensuite bath, or step onto your private balcony to enjoy breathtaking sunrises, sparkling bay views, and the ever-changing beauty of the waterfront. Ideally situated a short walk to downtown Traverse City, you'll enjoy easy access to boutique shopping, award-winning restaurants, marinas, beaches, and the vibrant waterfront district. The residence also includes one dedicated parking space for added convenience. Located in the heart of Northern Michigan, Traverse City offers an unmatched lifestyle with renowned wineries, championship golf courses, world-class boating, scenic hiking and biking trails, year-round festivals, craft breweries, and a thriving arts and culinary scene. From summer days on the bay and spectacular fall colors to winter recreation and cozy waterfront evenings, every season brings something extraordinary. This is more than a home—it's a front-row seat to one of Michigan's most coveted waterfront destinations. Bay views, luxury finishes, and an unbeatable location combine to create a truly remarkable penthouse experience.

Highlights

Listed by Judy Curtice-Porter , 231-499-9074 and Stephanie Flor , 231-360-7736 REO-TCRandolph-233022 , 231-946-4040. MiRealSource, Inc. mls logo

Property Type

Condo/Townhome

HOA Fee

514 Monthly

Year Built

2018

County

Grand Traverse

Area

Traverse City (28021)

Neighborhood

Bay Street LLC.

School District

Traverse City Area Public Schools

Listing ID

80069460

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:2
  • Bathrooms:2
  • Full Bathrooms:2
Appliances:Dishwasher, Dryer, Microwave, Range/Oven, Refrigerator, Washer
Air Cond:Ceiling Fan(s),Central A/C
Fireplaces:
Above Ground Sq Ft:1214
Below Ground Sq Ft:0
Basement:Poured,Interior Access
Other:
  • Additional:Walk-In Closet, Window Treatment(s)
Water:Public Water

Exterior Features

Zoning:Commercial
Others:
  • Additional:Exterior Balcony, Lawn Sprinkler, Patio, Sidewalks
Sewer:Community
Principal Interest
$10,417
Taxes
$1,274
HOA
$514

Home Price

$1,999,000

Loan Details

30 yrs
6.792%

Down Payment

20%
$399,800
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:
$10,417.07

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $10,417.07 $1,274.36 $514.00 $12,205.43
Yearly $125,004.80 $15,292.35 $6,168.00 $146,465.15
Total $3,750,144.14 $458,770.50 $185,040.00 $4,393,954.64
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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 (Traverse 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: 2026-09-02T01:10:54.300Z

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