Hart Homes with FHA Listing Terms

Hart Homes with FHA Listing Terms

Welcome to Hart, Michigan – a charming city nestled in the heart of Oceana County, where the beauty of nature meets the warmth of community. Known for its picturesque landscapes and friendly atmosphere, Hart offers a unique blend of small-town charm and modern conveniences, making it an ideal place to call home.

As you explore Hart, you'll discover a vibrant downtown area filled with quaint shops, delightful eateries, and local businesses that reflect the town's rich history and culture. The nearby Silver Lake State Park and Lake Michigan provide endless opportunities for outdoor enthusiasts, from hiking and biking to swimming and fishing. With its stunning natural surroundings, Hart is a haven for those who appreciate the great outdoors.

For prospective homebuyers, Hart presents a fantastic opportunity with homes available under FHA listing terms. The Federal Housing Administration (FHA) loans are designed to make homeownership more accessible, particularly for first-time buyers. This means you can find a variety of charming homes in Hart that meet FHA guidelines, making your dream of owning a home in this idyllic city a reality.

Whether you’re looking for a cozy cottage, a family-friendly residence, or a peaceful retreat, Hart has something to offer everyone. With its welcoming community and beautiful surroundings, you’ll feel right at home in this delightful city. Come discover the joys of living in Hart, where your perfect home awaits!

Newest Hart Homes with FHA Listing Terms

3 Beds ⋅ 2 Baths ⋅ 26047852 MLS ⋅ ACTIVE Status

Country living at its finest! This 3-bedroom, 2-full-bath home sits on 23.1 beautiful acres and offers plenty of space for storage, and recreation. The property features a 25x36 attached garage, a heated 40x44 pole barn, an additional 4-stall pole garage, and two extra sheds. Recent updates include new laminate flooring, a new well in 2025, and an on-demand Generac generator. Enjoy the outdoors with four ponds, one with stocked fish. Come see all this great property has to offer!

5178 N 88th Avenue, Hart

3 Beds ⋅ 2 Baths ⋅ 26042472 MLS ⋅ ACTIVE Status

Welcome to this well-maintained and thoughtfully updated 3 bed/2 bath farmhouse on 5 beautiful acres in Hart! This comfortable home offers the character of a traditional farmhouse with the modern updates today's buyers appreciate, including a newer metal roof, windows, furnace (2022), and all new appliances. The addition provides a spacious primary bedroom, large walk-in closet, and private bathroom, creating a comfortable retreat. Outside, the property offers plenty of room to enjoy country living, a small farm, gardening, exploring trails, watching wildlife or simply relaxing on the back deck. A large pole barn provides excellent space for equipment, hobbies, storage, or a workshop. The upstairs of this charming farmhouse offers a wonderful opportunity to bring your vision to life. Enjoy the peace and privacy of acreage while owning a home that has been cared for and updated over the years. Schedule your showing today.

6667 N 126th Avenue, Hart

3 Beds ⋅ 2 Baths ⋅ 26042046 MLS ⋅ ACTIVE Status

SELLER IS MOTIVATED AND WILL CONSIDER ALL REASONABLE OFFERS. This home has been fully updated from top to bottom - everything is new: roof, appliances, flooring, insulation, mechanicals, and more. Inside, you'll love the fresh, modern style with an open layout and stylish finishes throughout. Whether you're a first-time buyer or just looking for something truly move-in ready, this home offers the perfect blend of comfort, style, and peace of mind.

607 S State Street, Hart

3 Beds ⋅ 1 Baths ⋅ 26040089 MLS ⋅ ACTIVE CONTINGENT Status

Welcome home to country farmhouse living at it's finest, carefully situated on 2.47 acres under a canopy of Beautiful mature maples. 3 very large bedrooms with an additional bonus room on the upper level to utilize as an office, den or play space, or even a future additional bath. The large primary bedroom is close to the oversized main floor bath with walk-in shower and large soaking tub, not to mention double sinks and lots of natural light. The living room is spacious with partial privacy from the kitchen. The kitchen overlooks newly planted flowering landscape and large back yard, showcased in this eat-in kitchen are stainless appliances with ample storage and a fresh reface. You will be in awe of the peace and privacy offered so close to All Sports Crystal Lake Public access just over ¼ mile away with a boat launch & swim area. Well taken care home featuring a long list of updates and improvements over the last 7 years. Roof, windows, furnace, water heater, water softener, siding, expansive deck as well as 2026 updates with all new interior paint, interior doors, Kitchen reface, flooring, exterior landscaping, driveway material and extensive landscaping. A small nostalgic barn is just an added bonus ready & equipped for poultry/farm animals or whatever your heart desires. 6 miles from Silver Lake, minutes to Hart or Shelby including 31 expressways for easy access. Convenient, private, waterfront close and move-in ready! Hart & Shelby twp ORV Friendly! Plenty of room for additional outbuildings if desired. Call today to schedule a tour.

158 N 72nd Avenue, Hart

3 Beds ⋅ 1 Baths ⋅ 26037102 MLS ⋅ ACTIVE CONTINGENT Status

Well maintained ranch style home on a large 3.6 acre lot. The property features 3 bedrooms, all on the main level, one full bathroom and a full basement with loads of potential. Outside of the home there is a covered patio out back, inside of a fenced in area, along with a firepit for gathering. A large two-stall garage offers convenient vehicle storage and room for a workshop, with plenty of extra space for parking along the long driveway. This home sits far off the road, with a tree line for privacy, but is an excellent location for commuters to get on the expressway. It is centrally located between downtown Hart and Pentwater. The outdoors also includes beautiful established landscaping, some underground sprinklers and a shed for extra storage. Check it out today!

6003 N Oceana Drive, Hart

3 Beds ⋅ 2 Baths ⋅ 26036901 MLS ⋅ ACTIVE Status

Built in 2022, this beautiful 3 bedroom, 2 bathroom home offers modern comfort with deeded access to Hart Lake. The open concept layout features a spacious kitchen with quartz countertops, while the primary suite includes a walk-in closet and a relaxing soaking tub. Radiant in floor heat and an on-demand water heater provide year-round comfort and energy efficiency. Conveniently located just miles from the Silver Lake Sand Dunes and the village of Pentwater, this home is the perfect place to enjoy all that West Michigan has to offer!

3970 W Destiny Drive, Hart

4 Beds ⋅ 3 Baths ⋅ 26032762 MLS ⋅ ACTIVE CONTINGENT Status

Amazing location just outside of town less than a mile from all of the Schools! Sprawling 4 bedroom 3 bath ranch home on over 3 acres and perfect for a hobby farm or just enough room for outdoor toys and activities. Large pole building with high ceilings, perfect for any kind of project, workshop, storage ect... Home has had extensive updates over the years, the details are in the finishes and careful thought in the flow and floorplan. The primary suite has so much to offer with 2 closets (hers & his) not to mention the actual space with double sinks and shower. Move into the Kitchen for that open concept feel with the eat in feel and snack bar. Gorgeous cabinets with hard surface countertops and newer appliances. A cozy wood stove takes that Winter chill off with additional cost savings. Full basement for the extension of your imagination with potential for an in-law suite and separate one-stall garage or workshop. This Location is truly the added and one of the most important features as it is close to Hart lake access, downtown shopping/dining yet with a country feel. If you are looking for convenience with a mix of country, this is it!!!!

3585 N 72nd Avenue, Hart

2 Beds ⋅ 2 Baths ⋅ 26031217 MLS ⋅ ACTIVE CONTINGENT Status

Completed in Fall 2025, this beautifully designed 2-bedroom, 2-bath barndominium sits on 15 private acres in Hart, offering the perfect blend of modern craftsmanship and natural beauty with piece of mind for years to come. Tucked away in a peaceful setting with a mix of wooded and semi-open farmland, this property delivers privacy, recreation, and year-round enjoyment. Step onto the impressive 400 sqft covered front porch--an ideal place to take in quiet country sunrises and the changing Michigan seasons. Inside, custom double glass entry doors welcome you into a bright, open-concept living space filled with natural light and elevated by soaring 10-foot ceilings. The kitchen serves as the centerpiece of the home, featuring a massive one-of-a-kind black walnut live-edge island, quartz countertops, premium quiet-close cabinetry, and brand-new Maytag appliances with a 10-year manufacturer warranty. Premium finishes continue throughout, including Pergo LifeProof cherry wood luxury vinyl plank flooring, solid core interior doors, and carefully selected high-end paints. The thoughtfully designed floor plan offers both openness and privacy, with a spacious primary suite set apart from the main living area. A 3-zone mini-split heating system provides efficient, customizable comfort year-round. The attached garage offers flexibility and can easily be converted into a third bedroom, office, or additional living space. Outdoors, the 15-acre parcel offers endless possibilities--from hunting and recreation to trail riding and exploring, with a landscape that blends wooded cover and open ground. Located just 15 minutes from Pentwater and Charles Mears State Park, and a short drive to Ludington State Park and the Silver Lake Sand Dunes, this property provides easy access to Lake Michigan beaches, boating, hiking, and vibrant small-town shopping. Enjoy stunning fall colors, and in the winter months, snowmobile directly from your property. Whether you're looking for a full-time residence, seasonal retreat, or recreational getaway, this property offers a rare combination of quality construction, acreage, and prime West Michigan location.

875 E Jackson Road, Hart

4 Beds ⋅ 2 Baths ⋅ 26029381 MLS ⋅ ACTIVE CONTINGENT Status

507 S. State Street is the quintessential tome on a small-town main street. With its classic architecture, stately oak tree shading the front yard, and a backyard made for summer barbecues, it captures the timeless charm of nostalgic Americana. Inside, hardwood floors, a formal dining room, rich original woodwork, and a clawfoot tub speak to the craftsmanship and character of a bygone era. Offering four bedrooms, two bathrooms, and a heated workshop and garage, the home provides both warmth and functionality. Best of all, it's just a short stroll down the sidewalk to downtown Hart's shops and restaurants. Grab a coffee at Stella's, enjoy an ice cream and summer concert in the commons, or watch the fireworks over the lake--all without reaching for your car keys. For decades, 507 S. State Street has been the backdrop for a life well lived. Now it's ready to welcome new owners to write the next chapter. Step into the future with a home that honors the best of the past

507 S State Street, Hart

5 Beds ⋅ 3 Baths ⋅ 26026839 MLS ⋅ ACTIVE Status

Welcome to country living just east of Hart in the beautiful Oceana Co. A spacious 5-bedroom, 3 bath home on almost 2 acres of well-groomed land with a very large 48 x 72 insulated pole barn w/ loft - ready for whatever your needs may be, from storage, to entertainment, to a barndominium. The home boasts an open floor plan w/ a large kitchen flowing into the dining & family living area. A master suite with its own private bath & large walk-in closet on the upper level to 2 add'l large bedrooms & a full bath on the main level & 2 more bedrooms on the lower level with a family/recreation area, full bath, all on a walkout level. Beautiful accents of plank ceilings & lots of storage. The home even features geothermal heating. Located just minutes from US 31 to Silver Lake Sand Dunes to Lake Michigan.

2861 W Polk Road, Hart

1 Beds ⋅ 1 Baths ⋅ 26026552 MLS ⋅ ACTIVE Status

Vacation Retreat & custom built home on 17 beautiful wooded acres with trails and a food plot. Pole barn offers guest quarters, a full bath, bar and a gaming area for events. Extra storage for all of your toys. The home offers 1 full bedroom, 1 bath with main floor laundry. High-end Stainless appliances, a stainless farm sink, Anderson windows, walnut butcher block counter tops, a quartz island and sliders to an over sized deck. A full walkout lower level with sliders to the patio. Great hunting property or recreational property only 20 minutes frrom Silver Lake Dunes Steel roof, gradeed circle drive way. MOVE IN READY! FURNISHINGS NEGOTIABLE.

6830 N 120th Avenue, Hart

8 Beds ⋅ 9 Baths ⋅ 26019603 MLS ⋅ ACTIVE Status

Introducing a rare offering in the heart of quaint Hart, Michigan. 303 S. Courtland is a carefully maintained 1905 Victorian estate showcasing timeless elegance and historic charm. From the banisters of the grand stairwell to the floor-to-ceiling cabinetry of the butler's pantry, the home tells a story of craftsmanship and care. Once a well-known bed and breakfast, the main home offers 6 bedrooms each with a private full bathroom, a modern kitchen, formal dining, and airy sitting rooms. Complemented by a charming 2 bedroom, two bathroom carriage house with full kitchen, this property offers both versatility and a glimpse into a bygone era--perfectly blending historic appeal, everyday livability, and income potential. The manicured courtyard offers a jacuzzi tub, gathering area, and private sun deck. Tucked within a welcoming community just moments from the shores of Lake Michigan, this is a rare opportunity to own an enchanting piece of architecture and step into a timeless future.

303 S Courtland Street, Hart

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