Pentwater Homes with FHA Listing Terms

Pentwater Homes with FHA Listing Terms

Welcome to Pentwater, Michigan—a hidden gem nestled along the picturesque shores of Lake Michigan. Known for its stunning natural beauty, this charming village boasts a rich history, vibrant community, and an array of outdoor activities that draw visitors and residents alike. With its pristine beaches, scenic hiking trails, and a quaint downtown area filled with local shops and restaurants, Pentwater is the perfect place to call home.

One of the most appealing aspects of living in Pentwater is the accessibility of homes through FHA listing terms. The Federal Housing Administration (FHA) provides a pathway for first-time homebuyers and those looking to invest in real estate with lower down payments and more flexible credit requirements. This is particularly beneficial in a community like Pentwater, where the market is filled with delightful cottages, modern homes, and charming bungalows that embody the spirit of lakeside living.

Imagine waking up to the gentle sound of waves lapping at the shore, enjoying a morning stroll along the beach, or indulging in the vibrant local arts scene. Whether you’re looking for a cozy retreat or a family home, Pentwater offers diverse options that cater to various lifestyles. With FHA financing, you can secure your dream home in this idyllic setting with ease.

Explore the beauty and tranquility of Pentwater, where every day feels like a vacation. Embrace the opportunity to create lasting memories in a community that feels like family, all while enjoying the benefits of FHA listing terms to make homeownership a reality. Your perfect lakeside escape awaits!

Newest Pentwater Homes with FHA Listing Terms

5 Beds ⋅ 4 Baths ⋅ 26037999 MLS ⋅ ACTIVE Status

Never before offered for sale, this exceptional Pentwater home is a rare opportunity you won't want to miss. Perfectly situated on a spacious corner lot in the Village of Pentwater, this newer-built home blends modern luxury, thoughtful design, and everyday comfort in one incredible package. Step inside to an expansive open-concept floor plan where the chef's kitchen takes center stage, complete with a large pantry and seamless flow into the living and dining areas, ideal for entertaining or gathering with family and friends. Just outside, unwind on the inviting deck featuring a cozy fireplace, creating the perfect space to enjoy Michigan evenings. The impressive primary suite is a true retreat, offering approximately 535 square feet of private space, a spa-inspired ensuite bathroom, an oversized walk-in closet, and access to the private screened in deck, allowing you to step outside with your morning coffee or unwind by the outdoor fireplace at the end of the day. The finished lower level provides room for everyone with four additional bedrooms, two full bathrooms, a spacious second family room, walk-out access to the backyard, and two dedicated storage rooms. Every detail has been considered, including a generous laundry and mudroom with a built-in dog washing station, making everyday living effortless. The oversized 3+ stall attached garage offers abundant storage for vehicles, recreational equipment, and hobbies. To top it all off, this home is equipped with solar panels and a whole-house generator, providing energy efficiency, savings, and peace of mind year-round. Opportunities like this don't come along often. Be among the first to experience this stunning home.

629 Sands Street, Pentwater

4 Beds ⋅ 4 Baths ⋅ 26037827 MLS ⋅ ACTIVE Status

Welcome to your ultimate coastal sanctuary! Tucked away on a quiet cul-de-sac in Pentwater's coveted Apache Hills Subdivision, this custom 4-bed, 4-bath masterpiece combines high-end luxury with a private wooded retreat—just two minutes from Lake Michigan! Designed for effortless living, the expansive layout features 3 fireplaces, a bright 4-season room, and a private indoor sauna to melt the day away. Above the garage, an enormous bonus room offers endless potential to create a show-stopping guest suite. Step outside to low-maintenance, professionally landscaped grounds and a serene fire pit area. Major updates are complete, including a new furnace and newer roof for turn-key peace of mind. Plus, enjoy exclusive access to a private boat launch on Pentwater Lake for endless boating and fishing, all moments from downtown boutique shops and dining. This rare lifestyle upgrade won't last long!

5439 Shawnee Road, Pentwater

4 Beds ⋅ 3 Baths ⋅ 26035119 MLS ⋅ ACTIVE Status

A COMFORTABLE PLACE TO CALL HOME! Nestled on 5.83 beautifully maintained acres, this one-owner home offers a peaceful setting tucked back from the road for added privacy. The impressive outdoor space features underground irrigation, mature landscaping, a fenced garden area, and an above-ground pool—perfect for enjoying the outdoors all summer long. Inside, you'll find a bright, welcoming interior with 4 bedrooms, 3 full baths, and a full walkout basement with an abundance of storage. Pride of ownership is evident throughout this well-maintained home. Additional features include an attached 2-car garage, two storage sheds, and access to the Birch Harbor Backlot Association. With two nearby access points to Bass Lake, you can enjoy year-round recreation just minutes from your doorstep. Located in Mason County in the Ludington School District. Immediate occupancy is available, so you can move in and start enjoying your new home this summer!

4895 W Birch Lane, Pentwater

26032688 MLS ⋅ ACTIVE Status

Discover an exceptional opportunity to build your dream home on this beautiful, nearly one-acre lot in the highly sought-after Village of Pentwater. Offering a rare combination of size, privacy, and natural beauty, this oversized homesite features a peaceful stream meandering through the untouched landscape, creating a picturesque setting unlike many other village properties. Surrounded by mature trees and unspoiled scenery, the property provides the perfect canvas to design a custom residence while preserving the tranquil character of the land. Enjoy the convenience of being just minutes from downtown Pentwater's charming boutiques, restaurants, marinas, and the sandy shores of Lake Michigan, all while savoring the privacy and space that this remarkable parcel affords. Whether you're planning a year-round residence or a seasonal getaway, opportunities to own a buildable lot of this size within the Village of Pentwater are exceptionally rare. Don't miss your chance to bring your vision to life!

1112 2nd Street, Pentwater

3 Beds ⋅ 3 Baths ⋅ 26029769 MLS ⋅ ACTIVE CONTINGENT Status

Great location for this spacious home on 3.7 acres. Easy access to US31, located between Pentwater and Ludington. This home has been well maintained, even had a new roof in 2024 and brand new refrigerator. Front door leads into a great room with spacious living and dining areas open to a large kitchen with snack bar & island for extra prep space and no lack for cabinet space. Main floor primary bedroom has ensuite bath and sizable closet. Half bath (off garage entry) also has laundry and pantry. 2nd bedroom and full bath on main floor as well. 3rd bedroom in basement, along with ample space and lots of storage. Tons of possibilities! Covered porch on front, circle drive. Sliding glass door in dining room leads to nice deck with Sunsetter Awning & screen room to enjoy the outdoors without the bugs! Look out at the backyard with irrigation, landscaping and wooded acreage for privacy and space. Attached 1 stall garage plus large pole barn and 2 extra garden sheds for storage.

4931 W Lattin Road, Pentwater

6 Beds ⋅ 3 Baths ⋅ 26029425 MLS ⋅ ACTIVE Status

Nestled among the trees, this beautifully updated three-story home offers privacy, space, and timeless charm. With 6 bedrooms and 3 full baths, there's room for everyone to spread out and feel at home. Cozy up by one of two natural gas fieldstone fireplaces or gather in the open-concept main living area, complete with a charming four-season room off the dining space. The walkout lower level provides additional living and recreation space, currently set up for games and entertaining. Step outside to enjoy multiple outdoor living areas including a welcoming front porch, two decks, a large backyard, and a firepit perfect for evenings under the stars. Situated in the desirable Apache Hills subdivision, owners also enjoy access to a private boat launch on Pentwater Lake, ideal for lake lovers and outdoor enthusiasts. Call today for more information.

5526 W Longbridge Road, Pentwater

4 Beds ⋅ 4 Baths ⋅ 26026496 MLS ⋅ ACTIVE Status

Enjoy resort town living with the best of Pentwater with this extraordinary coastal estate. Located minutes from downtown Pentwater and a short drive to Silver Lake sand dunes and Ludington. This 4100 square foot home offers single level living and 275 feet of exclusive deeded low-bluff Lake Michigan frontage. Well suited as a year-round home, extended family vacation retreat, or even an ideal income producing rental. With over a one-acre private lot, this custom designed home built by a builder for his personal use is perfect for entertaining and relaxation in and out. Enjoy the smell of the pines from the 1500 sf brick patio listening to the 3 tier-fountain. Watch deer, birds, and wildlife from your forested enclave. A custom designed one-of-a-kind pet fence enclosure discreetly located out of view for your pet's play and safety is located on property. Enjoy your 8-person hot tub on cool fall nights, crisp spring evenings, or even winter days! Rinse off with the outdoor shower after a Lake MI beach day. Your morning beach walk and nightly spectacular sunsets are only steps from your front door. The home features an expansive great room with custom cherry cabinetry, drop-down TV, tin tray ceiling, and 2 sets of French doors opening to the outdoor living area. The great room also features a new Fieldstone fireplace and chimney installed in 2024, built in shelving, and opens to the spacious kitchen. The kitchen offers new appliances, a separate butler's pantry and prep area, tin tray ceiling, upgraded lighting and a second oven. From the kitchen, move through French doors to a custom built (2025) glassed-enclosed, over-sized three season room for morning coffee, watching wildlife or sunset viewing. The luxurious primary suite includes a stone fireplace, spa-like bath, built-ins, and spacious walk-in closets. A second laundry area and appliances located here as well. Two other ensuites are perfect for extended guest stays. A whole-home Generac generator was added in 2019 and 2 new A/C Units installed in 2024. A Wilson-Pro cell signal amplifier unit with extenders located throughout the estate was added in 2020. There is a built-in gas line for outdoor grilling, custom professional landscaping, extensive outdoor lighting, and an underground irrigation system. Additional amenities include custom crafted and fired Spanish tile flooring with radiant heat throughout entire home, built-in's in all rooms, oversized main laundry room with built-in office and abundant cabinets, attached heated/A/C garage with workshop/craft room and built in table saw, new Anderson windows, and over-sized gutters with gutter guards installed in 2022. Enjoy Ski & Hiking trails that are a 5-minute drive and the many festivals the area boasts. A truly one-of-a-kind retreat. Priced under assessed value so make this estate yours now!

5389 Ridge Road, Pentwater

3 Beds ⋅ 2 Baths ⋅ 26024205 MLS ⋅ ACTIVE Status

NEW HOME Build near LAKE MICHIGAN! BUILDER is offering a fully constructed 3bed/2bath MAIN level living space, on crawl space w/4ft block. Custom design your beautifully finished home conveniently located between Ludington and Pentwater. Meet with the builder to bring your dreams to life. This open floor-plan design boasts 9ft ceilings throughout, provides all the comfort of Main floor living. Builder is sparing no expense; including granite countertops (or your choice), stainless steel appliances, Laminate wood flooring and more. Well/Septic. If you are looking to build, don't miss this one! Situated on an Acre of property in a Prime sought after location. Beautiful level corner lot with mature trees. This is a prime location w/easy access to the Lake MI Shoreline, Bass Lake, Pentwater.

6193 S Pere Marquette Highway, Pentwater

4 Beds ⋅ 1 Baths ⋅ 26021995 MLS ⋅ ACTIVE BACKUP Status

Peace, quiet, and Lake Michigan! Located on the north side of Pentwater in the North Central Beach Association, this property offers access to Lake Michigan via platted roads for residents and is surrounded by NCBA Conservation land. The 4-bedroom, 1-bath home sits on four lots, providing plenty of outdoor space for those seeking privacy. Two nearby non-contiguous lots include a septic hookup. NCBA membership is voluntary. A great spot near Pentwater and just minutes from Ludington and Silver Lake! Call today!

5957 W Ede Street, Pentwater

3 Beds ⋅ 2 Baths ⋅ 26015673 MLS ⋅ ACTIVE Status

Move-in ready, and brimming with charm, this delightful Pentwater home blends comfort with convenience. Offering 3 bedrooms and 2 full baths, it features an updated eat-in kitchen perfect for both daily living and entertaining. The beautifully remodeled primary suite serves as a private retreat, complete with two generous closets and an en-suite bath with a walk-in shower. The full basement offers a great opportunity for additional living space, giving you room to grow or customize to your needs. Start your mornings on the welcoming covered front porch and enjoy evenings in the spacious backyard with a newer deck, ideal for gatherings or relaxing outdoors. An attached garage adds storage and everyday ease. Just one block away from public access to Pentwater Lake, this home offers the best of peaceful living and recreation. Short-term rentals are allowed in Pentwater Township, making this an excellent opportunity for both personal use and investment. Call today for a tour!

5771 Wintergreen Road, Pentwater

3 Beds ⋅ 3 Baths ⋅ 26013877 MLS ⋅ ACTIVE Status

3-bedroom, 2.5-bath bungalow on 4 wooded acres in the Village of Pentwater. Rare opportunity for developers and builders, this in-village parcel offers significant future development potential with city water, sewer, and natural gas already in place. The property features a scenic, park-like setting with mature trees, open clearings, and a ravine, creating a unique combination of privacy and usability within village limits. The property includes a 2-stall garage, storage shed, and established outdoor spaces with patio and fire pit. The home itself offers a charming cottage feel with vaulted, beamed ceilings, multiple living areas, and an updated kitchen with modern finishes and stainless appliances. A bright sunroom provides additional living space with views of the surrounding property. Solid structure with great bones, making it suitable for continued use, rental income, or as a base while planning future development. Ideal opportunity for investors looking to capitalize on a large buildable parcel in a highly desirable Pentwater location. Property consists of two parcels: #044-620-124-00 & #044-620-123-00

1111 2nd Street, Pentwater

25031645 MLS ⋅ ACTIVE Status

Heaven, Peace and Solitude--after being in the same family since 1948, this amazing oasis is now being offered for sale. Rolling Hills and Private 10.3 Acres just over a dune from Lake Michigan. Access by foot is available, or other access will have to be made via platted undeveloped roads, or by way another listing currently on the market--and that one has 200 feet of frontage of Lake Michigan. See mls # 24032316 Developers, Take note! Buy this property and have your private oasis near the shores of Lake Michigan!

Avenue D, Pentwater

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