Shelby Homes with FHA Listing Terms

Shelby Homes with FHA Listing Terms

Welcome to Shelby, Michigan—a charming gem nestled in the heart of Oceana County, where small-town warmth meets the natural beauty of the Great Lakes. This picturesque community is known for its friendly atmosphere, vibrant local culture, and an abundance of outdoor recreational opportunities. With its proximity to Lake Michigan, residents enjoy stunning sunsets, sandy beaches, and a myriad of activities from boating to hiking in the nearby Manistee National Forest.

Shelby is a community that celebrates its roots, with a rich history that is reflected in its quaint downtown area, featuring unique shops, delightful eateries, and local events that bring neighbors together. The annual Shelby Harvest Festival is a highlight, showcasing the town’s agricultural heritage and providing fun for the whole family.

For those looking to make Shelby their home, the real estate market offers a variety of options, including properties with FHA listing terms. This is great news for first-time homebuyers and those looking to take advantage of the benefits of Federal Housing Administration loans. Homes listed under FHA terms are often more accessible, allowing you to invest in your dream home with lower down payments and flexible credit requirements.

Whether you’re drawn to the serene landscapes, the tight-knit community, or the affordable housing options, Shelby, MI, is a place where you can truly thrive. Explore the possibilities of homeownership in this idyllic town and discover the lifestyle you’ve been searching for. Your dream home in Shelby awaits!

Newest Shelby Homes with FHA Listing Terms

4 Beds ⋅ 2 Baths ⋅ 50221612 MLS ⋅ ACTIVE Status

Better than new construction! This home has been extensively upgraded since 2022, delivering quality, luxury finishes, and smart upgrades today's most particular buyers are searching for. The striking two-sided staircase has been upgraded to hardwood, complemented by new 15mm engineered hardwood flooring and 5 1/4-inch baseboards throughout the home. The spacious great room boasts a gas fireplace framed by a modern stone accent wall. The kitchen shines with beautiful wood cabinetry, a large island, stylish backsplash, and a walk in pantry. Both full bathrooms were updated with floor-to-ceiling tile. Elegant lighting flows throughout. The primary suite offers a huge walk in closet and updated ensuite bath, plus 3 additional large bedrooms and second floor laundry for everyday convenience. Outside, enjoy professionally designed landscaping, a fenced yard, an exposed aggregate patio with a lanai, plus exposed aggregate sidewalks wrapping both sides of the home. A highly desirable 3-car side-entry garage with professionally finished epoxy flooring completes this exceptional home.

54321 Deadwood Lane, Shelby

5 Beds ⋅ 2 Baths ⋅ 26048407 MLS ⋅ ACTIVE Status

A truly unique property with room to live, work, and build your future! Set on 5 beautiful acres in Benona Township, this 5-bedroom home offers plenty of space and privacy, but the real showstopper is the incredible 5,000-square-foot heated and cooled shop. Fully insulated and built for year-round use, the shop offers endless possibilities for the hobbyist, entrepreneur, tradesperson, collector, or anyone who needs serious workspace and storage. Whether you're looking for an impressive personal shop, a place to grow your business, or the opportunity to start something entirely new, this space is a rare find. The home has seen important recent updates, including new siding and a new roof, giving you peace of mind while you make the property your own. With 5 acres to enjoy and an extraordinary amount of usable space, this property offers a combination that's hard to find!

765 S 44th Avenue, Shelby

3 Beds ⋅ 2 Baths ⋅ 20261072706 MLS ⋅ ACTIVE Status

Welcome home to 12891 Preston Point! Built in 2022 and situated on a desirable corner lot, this beautiful ranch offers three bedrooms, two full baths, and a spacious open-concept layout. Additional upgrades include an extended driveway, expanded rear concrete patio, electric vehicle charger, sprinkler system, and two separate water meters. The impressive front entry features a limestone-covered porch, 8-foot front door with sidelights and transom window, and a grand foyer with an 11-foot ceiling and open staircase to the basement. The great room features a step-up 10-foot ceiling, gas fireplace, and large picture window. The kitchen features white shaker cabinetry with 42-inch uppers, quartz countertops, and an oversized entertainer's island. The adjoining dining nook comfortably accommodates a large table. A separate flex room with wainscoting and glass French doors is perfect for a home office, den, or sitting area. The primary suite features a step-up ceiling, oversized walk-in closet, and private bath with double vanity, spacious shower with built-in bench, Euro-style glass shower door, and separate water closet. Two additional bedrooms and a second full bath complete the main level. The laundry room offers an enclosed utility tub. Hardwood flooring runs throughout the main living areas, with carpet in the bedrooms. Contemporary details include 8-foot two-panel interior doors, black hardware, 5-inch base molding, 3-inch casing, recessed lighting, and upgraded fixtures. Enjoy the covered rear loggia, Trex deck, and expanded concrete patio. The full basement features 9-foot walls, an egress window, and three-piece plumbing rough-in, offering excellent potential for future finished living space. Desirable corner lot, newer construction, and thoughtful upgrades make this home truly move-in ready!

12891 Preston Pointe Drive, Shelby

2 Beds ⋅ 2 Baths ⋅ 26047738 MLS ⋅ ACTIVE Status

Rare opportunity to own a well-constructed cabin in the desirable Cobmoosa Shores community, complete with access to over 1,500 feet of shared, deeded Lake Michigan frontage. Spend your days swimming, walking the beach and enjoying unforgettable sunsets, with nearby Stony Lake offering boating, fishing and kayaking. The area is surrounded by some of West Michigan's favorite destinations, including Silver Lake State Park and its ORV dunes, Little Sable Point Lighthouse, Mac Wood's Dune Rides, local golf courses, farm markets, wineries and Lewis Adventure Farm & Zoo. The shops, restaurants and waterfront communities of Pentwater, Silver Lake, Ludington and Whitehall are also within easy driving distance. Whether you enjoy quiet mornings in the woods, afternoons on the water or exploring the lakeshore, this cabin places it all within reach. (Seller prefers to sell furnished) No private showings until after Open House Saturday 9/12,

9209 Erie Trail, Shelby

3 Beds ⋅ 2 Baths ⋅ 26046290 MLS ⋅ ACTIVE Status

This beautifully remodeled home in the village of Shelby is full of charm and ready for its next owner. Enjoy an updated, open living space, spacious primary bedroom, and a large fenced-in backyard with plenty of room to relax, garden, or entertain. The covered outdoor area adds even more space to enjoy. Conveniently located near downtown Shelby and ready to move right in!

75 Elliott Street, Shelby

4 Beds ⋅ 2 Baths ⋅ 26046025 MLS ⋅ ACTIVE Status

6.44 ACRES. 4 BEDROOMS. 3 POLE BARNS. WALKING DISTANCE TO STONY LAKE. If you've been waiting for a property that gives you privacy, space, and room to enjoy the outdoors, this one is worth a look! Tucked away on a private over 6-acre setting, this well-maintained ranch offers nearly 1,400 sq. ft. of comfortable main-level living with 4 spacious bedrooms and 1.5 updated baths. The welcoming front porch leads into a bright living room with beautiful hardwood floors, natural wood trim, a stylish stacked-stone fireplace, and a large picture window bringing in plenty of natural light. The updated kitchen is a standout, featuring bright white soft-close cabinetry, tiled backsplash, and a convenient snack bar overlooking the dining area. Main-floor laundry and underfloor heating add comfort and convenience. Step outside and the possibilities really open up. The property includes approximately 200 feet of dog invisible fencing, a 2-stall attached garage, and 3 large pole barns—perfect for storing equipment, boats, recreational toys, or tackling your next hobby or project. With 6 acres, there's plenty of room to enjoy the property your way. And the location? Stony Lake is within walking distance, while Silver Lake and Lake Michigan are just a short drive away. Spend your days boating, fishing, relaxing at the lake, or simply enjoying the peace and privacy of your own acreage. Properties offering this much land, storage, and lake-area convenience don't come along every day. Come see it for yourself—you may have just found the one you've been looking for!

8590 W Thomas Street, Shelby

2 Beds ⋅ 1 Baths ⋅ 26043041 MLS ⋅ ACTIVE Status

Escape to the quiet of the countryside with this charming 2 bedroom, 1 bathroom ranch-style home nestled on 5 acres. Conveniently located halfway between Shelby and Hesperia, this private retreat sits on a quiet dirt road less than 2 miles from M-20 and is only about 20 minutes from the Silver Lake Sand Dunes. Surrounded by nature and tucked away from the neighboring homes, this property offers the privacy and seclusion you've been searching for. A spacious yard provides plenty of room for pets, gardening, or simply enjoying the peaceful country setting. Wildlife is abundant, with deer frequently seen throughout the property, which the current owner hunts, making this a great opportunity for outdoor enthusiasts. The home features a welcoming screened-in porch, perfect for enjoying peaceful mornings, relaxing evenings, or taking in the sights and sounds of nature. Inside, the home offers a solid layout and is ready for your personal touches, making it the perfect opportunity to update and create the country home you've always envisioned. Outside you'll find plenty of room for hobbies, storage, and recreation. The property includes a 2-stall detached garage, a barn and an additional storage shed. A previous pasture offers potential for livestock, horses, or a hobby farm with a little TLC. Whether you're looking for a full-time residence, a weekend getaway, or a property with room to grow, this secluded country setting offers endless possibilities. Bring your vision and make this peaceful slice of West Michigan your own!

1887 E Fish Road, Shelby

4 Beds ⋅ 3 Baths ⋅ 20261064565 MLS ⋅ ACTIVE Status

TO BE BUILT! Build time is approx. 9-11 mths. New Homes in Utica Schools. The Hampton has an open concept Kitchen, Nook & Great Room that would be perfect to spend time with loved ones. When you’re away from home, take advantage of everything that is nearby. Close to Partridge Creek mall for eating, shopping, and much more! We include 10 Year Structural & Basement Waterproofing Warranties! Photos are of a decorated model or previously built home.

14278 Edenshire Drive, Shelby

4 Beds ⋅ 3 Baths ⋅ 20261064558 MLS ⋅ ACTIVE Status

TO BE BUILT! Build time is approx. 9-10 mths. New Homes in Utica Schools. The Princeton has an open concept Kitchen, Nook & Great Room that would be perfect for spending time with loved ones. The private den offers a quiet home office, while the formal living room and dining room offer plenty of space to entertain! Unwind in your Master Bedroom w/ beautiful En-Suite. When you’re away from home, take advantage of everything that is nearby. Close to Partridge Creek mall for eating, shopping, and much more! We include 10 Year Structural & Basement Waterproofing Warranties! Photos are of a decorated model or previously built home.

14302 Edenshire Drive, Shelby

4 Beds ⋅ 3 Baths ⋅ 20261064555 MLS ⋅ ACTIVE Status

TO BE BUILT! Build time is approx. 9-10 mths. New Homes in Utica Schools. The Berkeley has an open concept Kitchen, Nook & Great Room that would be perfect to spend time with loved ones. Enjoy a cozy loft to watch your favorite show or read your favorite book. Unwind in your Master Bedroom w/ beautiful En-Suite. When you’re away from home, take advantage of everything that is nearby. Close to Partridge Creek mall for eating, shopping, and much more! We include 10 Year Structural & Basement Waterproofing Warranties! Photos are of a decorated model or previously built home.

14347 Edenshire Drive, Shelby

3 Beds ⋅ 2 Baths ⋅ 20261063433 MLS ⋅ ACTIVE Status

Welcome to Preston Corners Villa! Enjoy maintenance-free living in your detached ranch condominium. This gorgeous community has acres of open space, walking paths throughout, gazebos, dog park and a pond over look with park benches and fountains. This To Be Built home features a spacious chefs kitchen. Complete with electric cook top, canopy hood, micro/oven combo and dishwasher and larger island. Great for gatherings. Settle into your inviting great room to relax with a good book in front of your fire place. Enjoy stepping out of bed from your primary bedroom and watching the sunrise on your covered patio. Primary bath complete with double vanity and 5' tiled shower. Photos are of a decorated model or previously built home.

56881 Spruce Forest Drive, Shelby

3 Beds ⋅ 2 Baths ⋅ 20261063429 MLS ⋅ ACTIVE Status

Welcome to Preston Corners Villa! Enjoy maintenance-free living in your detached ranch condominium. This gorgeous community has acres of open space, walking paths throughout, gazebos, dog park and a pond over look with park benches and fountains. This To Be Built home features a spacious chefs kitchen. Complete with electric cook top, canopy hood, micro/oven combo and dishwasher and larger island. Great for gatherings. Settle into your inviting great room to relax with a good book in front of your fire place. Enjoy stepping out of bed from your primary bedroom and watching the sunrise on your covered patio. Primary bath complete with double vanity and 5' tiled shower. Photos are of a decorated model or previously built home.

56833 Spruce Forest Drive, Shelby

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