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 ⋅ 1 Baths ⋅ 26037102 MLS ⋅ ACTIVE 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 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

26030778 MLS ⋅ ACTIVE Status

Discover the possibilities with this 5.52 acre parcel in Weare Township within the Pentwater School District. Township verification indicates the property may qualify for up to three splits, offering excellent investment and development potential. Enjoy frontage on Mud Creek, a peaceful natural setting, and plenty of room to build. A mobile home was previously located on the property, and electrical service was once present. The parcel also includes a 962 square foot garage, ideal for storage, or hobbies. Owned by the same family since 1994, this is a rare opportunity to purchase acreage with flexibility and future potential. Conveniently located near Hart, Pentwater, Silver Lake, and Lake Michigan. Buyer to verify acreage, dimensions, zoning, utilities, splits, and intended use.

7093 N Oceana Drive, Hart

4 Beds ⋅ 2 Baths ⋅ 26029381 MLS ⋅ ACTIVE 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

2 Beds ⋅ 1 Baths ⋅ 26020750 MLS ⋅ ACTIVE Status

Step inside and see this beautiful recently remodeled home. New floors, new paint, new bathroom shower, new furnace, new windows. A full basement with tons of potential space. The yard is huge for your future potential garage or pole building. Great location, city of Hart utilities are attached to make it a cost-efficient home.

3611 W Polk Road, 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

3 Beds ⋅ 2 Baths ⋅ 26019085 MLS ⋅ ACTIVE BACKUP Status

Welcome to Elbridge Township. This 3 bedroom1 and 1/2 bath home has been meticulously maintained for all of it's years. It has had many updates in the past 5 years. There is a pole barn and another small storage shed on the nearly 1 acre lot. ENJOY country living only 4 short miles to the City of Hart.

24 E Polk Road, Hart

3 Beds ⋅ 2 Baths ⋅ 26018691 MLS ⋅ ACTIVE Status

Discover the perfect blend of country serenity and modern convenience. This well maintained 3-bedroom, 2-bath ranch is situated on 2.5 acres just east of Hart. Inside ,the living room features a newer wood burning fireplace and hardwood floors. The spacious open kitchen and dining area offers room for entertaining, leading you toward a bright 3-seasons porch--the ultimate spot for morning coffee overlooking your inground pool. With 3 bedrooms and a full bath finishing off this level. The walkout basement offers many opportunities, featuring a recently updated full bath with no step shower, a large cozy family room, and a versatile bonus room perfect for a home workshop or exercise room. Paved driveway leading to an attached 2-stall garage, this home is nestled on top of the hill and has a feeling of privacy in the back yard. Enjoy The solar heated pool will provide tons of summer fun and entertainment. The windows, gutters and downspouts were new in 2024 and the metal roof in 2025! Enjoy apples, pears and plums from your own trees!

2330 W Tyler Road, Hart

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