Oceana Homes with FHA Listing Terms

Oceana Homes with FHA Listing Terms

Welcome to Oceana County, Michigan, a hidden gem nestled along the picturesque shores of Lake Michigan. Known for its stunning natural landscapes, charming small towns, and a rich tapestry of outdoor activities, Oceana County is the perfect place for those seeking a tranquil lifestyle amidst nature's beauty. With pristine beaches, lush forests, and an abundance of recreational opportunities, residents and visitors alike can enjoy hiking, fishing, and boating, making it a paradise for outdoor enthusiasts.

Oceana County is not just about nature; it’s also home to vibrant communities like Hart, Shelby, and Pentwater, where you’ll find delightful local shops, delicious eateries, and a warm sense of community. The county hosts various events throughout the year, celebrating its agricultural roots and cultural heritage, ensuring there’s always something to engage in.

For homebuyers, Oceana County offers a range of housing options, including homes available with FHA listing terms. This is an excellent opportunity for first-time buyers or those looking to invest in real estate, as FHA loans are designed to make homeownership more accessible with lower down payment requirements and flexible credit guidelines. Whether you’re dreaming of a cozy cottage by the lake or a charming family home in a friendly neighborhood, Oceana County has something for everyone.

Discover the enchanting lifestyle that awaits you in Oceana County, where community spirit meets breathtaking landscapes. Your dream home is just a step away!

Newest Oceana Homes with FHA Listing Terms

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 ⋅ 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

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

4 Beds ⋅ 4 Baths ⋅ 26047440 MLS ⋅ ACTIVE Status

This 3,861-sq. ft. custom built four-bedroom home in the desirable Apache Hills Subdivision offers substantial living space on a nearly 3/4-acre lot in Pentwater. Whether you enjoy cooking in the chef's kitchen, sitting in front of one of 3 fireplaces, or even relaxing in the private indoor sauna, this home has something for everyone! Four full bathrooms provide convenience for a multi-occupant household, while the two-car garage delivers practical storage and vehicle protection. Some of the home features include a newer roof, new furnace, waterproofing system in basement, along with many other major updates, allowing for peace of mind. Outdoor space includes professionally landscaped yard, patio and fire pit, along with a fenced in area. Low HOA fee ($280/yr) provides use of private boat launch on Pentwater Lake & snow removal, making this a perfect choice for a year-round retreat. Contact the Apache Hills HOA at apachehillsbod@gmail.com for additional community details.

5439 Shawnee Road, Pentwater

3 Beds ⋅ 3 Baths ⋅ 26047416 MLS ⋅ ACTIVE Status

Welcome to your own slice of West Michigan country living! This inviting 3-bedroom, 2-bath home offers the perfect blend of comfort, space, privacy, and outdoor adventure. With a warm and welcoming feel, generous living spaces, and room to truly make yourself at home, this property is the kind of place where quiet mornings, summer evenings, and weekends outdoors become part of everyday life. Step outside and enjoy your own private country setting with plenty of room to entertain, garden, gather around a fire, or simply take in the peaceful surroundings. For the outdoor enthusiast, the Hesperia area is known for its abundance of lakes, rivers, wooded countryside, and recreational opportunities—making this an ideal home base for fishing, hunting, kayaking, and exploring all four Michigan seasons. Whether you're coming home after a day on the water, a morning in the woods, or simply looking to escape the hustle.

4512 Traxton Drive, Hesperia

2 Beds ⋅ 1 Baths ⋅ 26046993 MLS ⋅ ACTIVE Status

Your place at Lake Michigan is waiting. Tucked into a wooded setting near Silver Lake, this completely renovated 2-bedroom cottage is ready for weekends away, beach days and a slower pace. Set on three lots totaling approximately .67 acres, the property offers privacy, outdoor space and private Lake Michigan beach access just a short walk away. Extensive improvements include a renovated kitchen and bath, new flooring, new deck, updated plumbing, professional foundation stabilization, a 2025 tankless water heater and a 2025 heat pump/AC mini-split. The deck extends the living space outdoors, surrounded by trees and nature. Close to the dunes, Silver Lake State Park and Little Sable Point Lighthouse. Enjoy it as your own Lake Michigan getaway, with the added flexibility of vacation-rental use. Property is currently rented, do not walk property or approach renters.

56 S Lighthouse Drive, Mears

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 ⋅ 26046074 MLS ⋅ ACTIVE Status

Spacious 4-bedroom, 2-bath manufactured home offering over 2,300 sq. ft. of finished living space and located only 11 miles from downtown Hart. Each of the 4 bedrooms has a vaulted ceiling and large closet. The primary bedroom has an ensuite with oversized tub, double sinks, & separate shower. There are 2 living room options, as well as front, side & back decks for even more outdoor living! The expansive 4-acre lot provides space to grow and plenty of privacy, with no neighbors close by. The unfinished walkout basement is full of potential, including adding additional bedrooms, if desired. High speed fiber-optic internet available. Many new or recent updates, including new flooring throughout, the well (only 2 years old), fridge, hot water heater & furnace stack, all new in 2026 and dishwasher is only 2 years old. Overall, this property combines tons of space inside with loads of outdoor living options, delivering solid value for buyers seeking a private piece of paradise. Home previously surveyed, stakes still there/locatable (owner does not have survey to provide, though).

2905 E Jackson Road, Walkerville

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

3 Beds ⋅ 3 Baths ⋅ 26045259 MLS ⋅ ACTIVE Status

Spacious 3-bedroom, 3-bath ranch situated on 10 acres across from Lake Michigan & Claybanks Township Park, offering privacy, recreation, and plenty of room to roam. The open yet wooded property features fruit trees, abundant wildlife, and borders public land, making it an ideal setting for enjoying everything West Michigan has to offer. Inside, the generous main-floor living space is complemented by large windows throughout, a recently renovated primary ensuite, unique terrarium room, and slider leading to the back patio. A full basement provides plenty of additional space and potential, while the attached garage and outdoor lean-to offer convenient storage for recreational equipment and more. Enjoy a peaceful country setting with the Lake Michigan shoreline just a short walk away!

8183 W Cleveland Road, New Era

2 Beds ⋅ 2 Baths ⋅ 26044903 MLS ⋅ ACTIVE Status

Welcome to 2465 E Arthur Road, a move in ready 2 bedroom, 2 bathroom ranch situated on nearly 22 acres in rural Oceana County. The property directly adjoins the Manistee National Forest, making this an outstanding setting for hunters, outdoor enthusiasts or anyone looking for privacy and room to roam. The North Branch of the White River is also nearby, well known locally for trout and steelhead fishing. Inside, the home offers approximately 1,350 square feet on the main level with a comfortable open living space, hardwood floors, a spacious kitchen, main floor laundry and two full bathrooms. A full unfinished basement provides plenty of additional storage and possibilities. Outside, the long property offers a mix of open ground and wooded surroundings along with a large detached garage/pole building with plenty of room for vehicles, equipment, toys or a workshop. With nearly 22 acres of your own and hundreds of acres of public land right outside your door, this is a unique opportunity for year round living, a recreational property or a West Michigan getaway.

2465 E Arthur Road, Rothbury

3 Beds ⋅ 2 Baths ⋅ 26044187 MLS ⋅ ACTIVE Status

Welcome home to your own private retreat! This move-in-ready, newly remodeled 3-bedroom, 2-bath home is nestled on nearly 7 wooded acres, offering the perfect combination of privacy, recreation, and convenience. Explore your own private trails throughout the property, which adjoins more than 1,000 acres of National Forest—providing endless opportunities to enjoy the outdoors right from your backyard. Cushman Creek is within walking distance while numerous popular fishing spots and abundant state land lay just minutes away. Tucked away in a peaceful, secluded setting yet less than 10 minutes from the conveniences of town, this property truly offers the best of both worlds. Inside, you'll find 972 square feet of thoughtfully updated living space with a cozy, move-in-ready feel. Outside, relax and take in the wooded surroundings from the spacious 16x20 covered front porch. A 24x24 two-stall detached garage, 14x24 storage shed and long paved driveway provide plenty of room for vehicles, outdoor gear, and toys. If you've been searching for privacy, acreage, outdoor adventure, and a beautifully updated home, this one checks all the boxes!

7972 S 192nd Avenue, Holton

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