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Jenn Smart

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10249 Kay Ray , Williamsburg, MI 49690
$3,990,000
Est. Payment: $20,792.44/mo
5 Bed
5 Bath
4573 Sqft
Status: active | Days on site: 85
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House Description

Discover the pinnacle of Northern Michigan living in this stunning waterfront masterpiece. Custom-built by the renowned Whiteford and Associates, this estate harmonizes architectural precision with the serene natural beauty of the East Grand Traverse Bay shoreline. Designed for both grand-scale entertaining and quiet lakeside reflection, every inch of this home exudes quality and craftsmanship. The professional chef-style kitchen is a dream for the culinary enthusiast. Anchored by a massive center island, the space features premium professional grade appliances, including a Wolf double oven and range and a Sub-Zero refrigerator and freezer. Whether hosting a summer soiree or preparing a quiet meal, this kitchen offers the perfect blend of high-end quality and coastal elegance. The main level is designed for effortless “age-in-place” luxury, featuring a sprawling primary suite complete with a spa-inspired en-suite and convenient main-floor laundry. With 5 bedrooms and 4.5 bathrooms in total, there is ample space for family and guests to retreat in comfort. The fully finished walk-out basement serves as the ultimate recreational hub. Sharpen your game year-round with the custom golf simulator or step directly outside to enjoy the breeze of the bay. Located above the 3 car heated garage is a well appointed apartment with separate entry for long-term guests, an au pair or a quiet home office. With a dedicated, spacious pole barn you can assure all your “toys”-from boats and jet skis to classic cars-are stored securely and ready for your next Northern Michigan adventure. Tucked away on the prestigious Kay Ray Road, this property offers the rare combination of privacy and proximity to the world-class Traverse City Horse Shows, dining and shopping of nearby Traverse City and Elk Rapids. Enjoy mesmerizing sunsets, sandy bottom frontage and the timeless allure of life on the water. Your private waterfront legacy awaits!

Highlights

Listed by Betsy Hill , and Chad DeBolt , 231-360-0780 Five Star Real Estate - Front St TC , 231-778-1200. MiRealSource, Inc. mls logo

Property Type

Residential

Lot/Acreage
1.9

Year Built

2013

County

Grand Traverse

Area

Acme Twp (28001)

Neighborhood

Peninsula View

School District

Elk Rapids Schools

Listing ID

80068927

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:5
  • Bathrooms:5
  • Full Bathrooms:4
  • 1/2 Bathrooms:1
Appliances:Dishwasher, Disposal, Freezer, Microwave, Range/Oven, Refrigerator, Water Softener - Owned
Air Cond:Central A/C
Fireplaces:Gas Fireplace
Above Ground Sq Ft:4573
Below Ground Sq Ft:1981
Basement:Finished,Full,Walk Out,Poured
Other:
  • Additional:Security System, Walk-In Closet, Window Treatment(s)
Water:Private Well

Exterior Features

Lot Dimensions:104x790x108x828
Zoning:Residential
Others:
  • Additional:Exterior Balcony, Lawn Sprinkler, Patio
Sewer:Septic
Parking Features:Attached Garage,Gar Door Opener,Heated Garage,Garage
Principal Interest
$20,792
Taxes
$2,544

Home Price

$3,990,000

Loan Details

30 yrs
6.792%

Down Payment

20%
$798,000
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:
$20,792.44

Principal

Taxes

Principal Taxes HOA Total
Monthly $20,792.44 $2,543.63 $0.00 $23,336.07
Yearly $249,509.34 $30,523.50 $0.00 $280,032.84
Total $7,485,280.19 $915,705.00 $0.00 $8,400,985.19
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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 (Williamsburg, 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: 2026-09-02T04:57:55.100Z

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