Houghton Lake Homes with FHA Listing Terms

Houghton Lake Homes with FHA Listing Terms

Welcome to Houghton Lake, Michigan—a charming community that boasts not only stunning natural beauty but also an exceptional educational environment for families. Nestled in the heart of Roscommon County, Houghton Lake is home to a dedicated school district that prioritizes student success and community involvement.

The Houghton Lake Community Schools district is known for its commitment to providing quality education from preschool through high school. With a focus on academic excellence, the district offers a variety of programs designed to meet the diverse needs of its students. From advanced placement courses to vocational training, Houghton Lake schools prepare students for both higher education and the workforce. The small class sizes ensure personalized attention, fostering a supportive environment where every child can thrive.

For families considering a move to this picturesque area, the real estate market in Houghton Lake is particularly inviting. Many homes are available with FHA listing terms, making it easier for first-time buyers to enter the housing market. These homes often feature spacious layouts, modern amenities, and proximity to local parks and recreational activities, perfect for families who love the outdoors.

Living in Houghton Lake means enjoying a close-knit community filled with friendly neighbors and a wealth of local activities. From summer fishing and boating on the lake to winter sports and cozy gatherings, this area truly offers something for everyone. If you’re looking for a place where education is valued and community spirit thrives, Houghton Lake is the perfect destination to call home. Discover your dream home today!

Newest Houghton Lake Homes with FHA Listing Terms

$249,900
3 Beds ⋅ 2 Baths ⋅ 50221000 MLS ⋅ ACTIVE Status
Beautiful Ranch home updated and ready for you to enjoy! It sits on White Deer Golf Course, with the backyard and woods across the road from the front yard. Nature lovers, come and enjoy! Also offers Houghton Lake at the end of the road, near parks, trails, etc. Great recreational area. Walk into the foyer that takes you right into the great room with cathedral ceilings. From here, if you wish, head out the patio doors and relax on the deck. Open concept to the kitchen. Spacious master bedroom with full master bath and a large walk-in closet. Main floor laundry! Attached garage! Large concrete driveway with plenty of parking. Large shed for all the extras. The home has newer windows, a CertainTeed Landmark 30-year shingle roof, flooring, etc. Make your appointment to see for yourself!

120 White Deer Trail Road, Prudenville
$220,000
4 Beds ⋅ 2 Baths ⋅ 20261069707 MLS ⋅ ACTIVE Status
Welcome to 330 Ivy Drive in the family-friendly Higgins Lake Forest Subdivision! Nestled on a deep, wooded lot, this spacious 4-bedroom, 2-full-bath home offers plenty of room to relax and enjoy Up North living. Step inside to tall ceilings and an open living, dining and kitchen area filled with natural light. A natural wood burner helps provide warmth and charm, complemented by baseboard heating throughout the home. All four bedrooms are generously sized, including a spacious primary bedroom with its own private balcony. The large driveway provides plenty of space for parking, including room for a garage or small boat during the spring and summer seasons, and the deep lot offers plenty of room for outdoor activities. Enjoy an incredible location just 5 minutes from Houghton Lake and less than 10 minutes from South Higgins Lake State Park. With access to Houghton Lake Schools, Roscommon Schools and Charlton Heston Charter School, this home is a wonderful opportunity for year-round living or an Up North getaway! Sq.ft source is previous listing. Buyer and BA must verify ALL info.

330 Ivy Drive, Roscommon
$114,900
2 Beds ⋅ 1 Baths ⋅ 50220089 MLS ⋅ ACTIVE Status
Escape to your own private retreat at Houghton Lake! This charming two-bedroom, one-bath condo offers the ideal combination of year-round recreation and low-maintenance living. Located just steps from the water, the property includes private dock access for boating and fishing, plus convenient proximity to state land, hunting opportunities, and ATV trails. Inside, the warm knotty pine interior creates a classic up-north feel, while the condo comes fully furnished and ready to enjoy. The updated kitchen features gas cooking and a microwave, and an in-wall air-conditioning unit provides added comfort during the summer months. A brand-new on-demand hot water heater adds modern efficiency and convenience. The HOA handles exterior maintenance, including lawn care, snow removal, and winterization, all for a remarkably low annual fee. With an assigned parking space plus additional visitor parking, this turn-key Houghton Lake getaway is ready for its next owner to start enjoying immediately.

6344 W Houghton Lake Drive, Houghton Lake
$149,900
2 Beds ⋅ 1 Baths ⋅ 20261068639 MLS ⋅ ACTIVE Status
Welcome to your own peaceful Northwoods retreat! Nestled on a beautiful .69-acre park-like setting in St. Helen, this charming 2-bedroom, 1-bath home offers the perfect blend of comfort, privacy, and outdoor adventure - all just 2 miles from the St. Helen ORV Trail and approximately 7 miles from Lake St. Helen! Step inside and you'll immediately feel at home with the warmth of knotty pine accents, custom-built bookshelves, and beautiful new light fixtures that add a fresh, welcoming touch throughout the home.. The inviting kitchen features an island with butcher block countertops.. The home offers two comfortable bedrooms and a layout that makes an ideal starter home, retirement retreat, or weekend getaway. Outside is where this property truly shines. The landscaped grounds have a park-like feel, surrounded by wildlife and mature greenery. Enjoy the established fruit trees, space for a garden, greenhouse/potting shed, and rock garden filled with beautiful plants and impressive oversized hostas. Start your morning with coffee on the covered front porch, then spend your evenings relaxing on the 12 x 20 covered back deck, complete with a hot tub - the perfect place to unwind after a day on the trails, fishing, or enjoying everything Northern Michigan has to offer. And for the outdoor enthusiast, there's plenty of room for your toys! The heated and insulated garage features electricity, a aehd complete with a loft and a lean-to, while the attached carport provides even more covered storage for side-by-sides, ORVs, boats, and recreational equipment. Washer and dryer were new in 2024. A new refrigerator was added in December 2025, and all appliances are included with the sale. For peace of mind a newer well, roof, and furnace. Whether you're looking for your first home, a peaceful place to retire, or a Northern Michigan getaway close to ORV trails, fishing, nature, and outdoor recreation, this property offers the space, privacy, and lifestyle you've been looking for.

8135 E West Branch Road, St. Helen
$199,900
3 Beds ⋅ 2 Baths ⋅ 50219745 MLS ⋅ ACTIVE Status
Welcome to this charming 3-bedroom, 2-bath home offering 938 square feet of comfortable, efficiently designed living space. Located on sought-after Old Trail on the northeast side of Houghton Lake, the home is just steps from public lake access and conveniently close to snowmobile and side-by-side trails. Recent improvements include a new roof, furnace, on-demand water heater, well pressure tank, flooring, refrigerator, and dishwasher. The attached two-car heated garage provides excellent year-round parking, storage, and workspace. Outside, you’ll find a fenced yard and two storage sheds measuring 8' x 8' and 12' x 18'—plenty of room for tools, lawn equipment, and recreational gear. The home also includes pots, pans, dishes, and silverware and furniture with the right offer, making it an appealing option for a year-round residence or an easy-to-enjoy Houghton Lake getaway. Shopping, restaurants, entertainment, and nightlife are all approximately 10 minutes away. Bring your lake toys and start enjoying the Houghton Lake lifestyle!

632 Old Trail Drive, Houghton Lake
$125,000
3 Beds ⋅ 1 Baths ⋅ 20261066980 MLS ⋅ ACTIVE Status
A 3-bedroom ranch on over a third of an acre gives you the space that matters without the upkeep of a larger home. This approximately 880 sq ft Prudenville property pairs an efficient single-level layout with a large, tree-lined backyard, rear deck, and storage shed—creating plenty of room to enjoy the outdoors, store your gear, or make the property your own.Inside, the vaulted living area stands out with an exposed wood beam, wood-look flooring, and a modern fireplace feature wall. The kitchen offers updated cabinetry, stainless appliances, tile backsplash, and generous storage. The asphalt roof was replaced approximately 10 years ago, and the furnace remains operational. With three bedrooms, a spacious lot, and room for selective cosmetic improvements, this is a strong option for a primary residence or an affordable northern Michigan getaway.

228 Oakdale Drive, Prudenville
$349,900
3 Beds ⋅ 2 Baths ⋅ 20261064942 MLS ⋅ ACTIVE Status
Experience elevated lakefront living in this beautifully maintained waterfront home on one of the most sought-after stretches of Houghton Lake. Begin each day with breathtaking sunrise views shimmering across the water while enjoying your morning coffee in a peaceful setting. This move-in ready retreat features 3 spacious bedrooms and 1.5 baths, thoughtfully designed for both comfort and effortless entertaining. The inviting fireplace creates the perfect ambiance for cozy Michigan evenings, while endless days can be spent enjoying the pristine all-sports lake lifestyle. Whether you’re searching for a refined year-round residence or an exceptional getaway escape, this stunning property offers the perfect blend of relaxation, recreation, and timeless waterfront charm.

12508 West Shore Drive, Houghton Lake
$185,000
3 Beds ⋅ 1 Baths ⋅ 50218155 MLS ⋅ ACTIVE Status
Welcome to this quaint 3-bedroom home tucked into a peaceful countryside subdivision near Houghton Lake! Surrounded by beautiful mature trees, the neighborhood offers a relaxed, up-north feel while keeping you close to all the recreation and amenities of the Houghton Lake area. Inside, you’ll find a comfortable, inviting home with simple finishes and plenty of potential to make it your own. Whether you’re looking for a year-round residence or an affordable getaway near one of Michigan’s most popular lakes, this cute home is ready for its next chapter.

207 Butterfield Lane, Houghton Lake
$260,000
2 Beds ⋅ 2 Baths ⋅ 50217485 MLS ⋅ ACTIVE Status
Looking for a relaxed up-north feel for either your primary residence or second home? One that you can walk to the end of the road for access to Houghton Lake? Let's get you scheduled to see this wonderful ranch home with large open spaces, a great four season room, two and a half baths, and a beautiful yard. Fully updated baths, furnace is only 3 years, water heater is brand new - also a newer metal roof all take that added worry of a big expense out of your thoughts and will allow you to make this home your own.

110 Chippewa Trail, Prudenville
$249,900
2 Beds ⋅ 1 Baths ⋅ 50216171 MLS ⋅ ACTIVE Status
Welcome to your Up North retreat! Nestled in one of Houghton Lake’s most beautiful, mature wooded subdivisions, this charming 2-bedroom, 1.5-bath Berm-style home offers a unique design, peaceful surroundings, and year-round recreation. The Berm construction provides natural insulation, contributing to comfortable and energy-efficient living throughout the seasons. Located just steps from the golf course and only minutes from Houghton Lake, you’ll enjoy easy access to boating, fishing, swimming, and miles of nearby ORV and snowmobile trails. Whether you’re searching for a full-time residence, family getaway, or vacation home, this property is truly move-in ready. The spacious layout provides comfortable living, while the attached 2-car garage and additional detached 2-car garage offer exceptional storage for vehicles, boats, snowmobiles, ATVs, golf carts, and all your outdoor toys. Surrounded by towering mature trees in a quiet, established neighborhood, this home is the perfect place to unwind after a day on the golf course, lake, or trails. Opportunities like this don’t come along often—start making memories in Houghton Lake from the moment you arrive!

2625 W Nestel Road, Prudenville
$169,950
2 Beds ⋅ 1 Baths ⋅ 20261051062 MLS ⋅ ACTIVE Status
* With accepted offer New Appliances are an option!*This perfect little Cabin is ready for you to walk in and enjoy all that Mother Nature has to offer. This cozy 2-bedroom 1 bath, pellet wood stove home has seen numerous recent upgrades including New Flooring throughout, High Quality-Grade LVF., Fully remodeled bathroom, New Tile, Sink, Lighting, Hardware, Stool. Fresh Drywall. Updated Electrical & Plumbing, (partial). New lighting, Ceiling Fans, New electrical Heating components with remote, Chandelier, Kitchen Sink, New Paint throughout. Brand-New large Septic Tank & Field! It can accommodate larger groups with every day usage as well as entertaining. Pump-house Heater. Recent tree removal for improved views and safety (3+ trees). Enjoy a beautiful setting with a view of the private pond as well as the Muskegon River right from the cabin. Located close to scenic riding trails & river access. This Cabin is great for year-round recreation. Snowmobiling, Side-by-Side UTV Trail Riding, Fishing-all year long, Kayaking, Canoe, Paddle Board. Ideal for Weekend Getaways, Investment Property, Full-Time Living. Minutes from the Muskegon River, Houghton Lake, Lake City. Trail-rich, nature-filled setting. Water views & outdoor fun all year long.

6246 Dorr, Falmouth
$84,990
1 Beds ⋅ 1 Baths ⋅ 20261044482 MLS ⋅ ACTIVE Status
This cozy Houghton Lake studio cabin delivers the classic Up North vibe with unbeatable convenience. Tucked just across the road from the sparkling shoreline. Inside, the efficient open layout blends living, sleeping, and dining into a warm, inviting space—perfect for weekend getaways or a simple year-round retreat. With its rustic charm, low-maintenance design, and close proximity to local shops, trails, and waterfront activities, this little cabin makes an ideal escape for anyone looking to enjoy the best of Michigan lake life. All Information Deemed Reliable But Not Guaranteed. Buyer’s Agent to Verify All Information.

2007 N Markey Road, Houghton Lake
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