Lake City Homes with FHA Listing Terms

Lake City Homes with FHA Listing Terms

Welcome to Lake City, Michigan, a charming community nestled in the heart of Missaukee County. Known for its picturesque landscapes and friendly atmosphere, Lake City is not just a great place to live; it also boasts an exceptional school district that prioritizes the education and well-being of its students. The Lake City School District is dedicated to fostering a nurturing environment, offering a variety of programs designed to engage and inspire learners of all ages. With a focus on academic excellence, extracurricular activities, and community involvement, families can feel confident that their children are receiving a top-notch education.

For those looking to make Lake City their home, you’ll find a range of housing options that cater to diverse needs and budgets. Many homes in this inviting community come with FHA listing terms, making homeownership more accessible for first-time buyers and those looking to invest in their future. FHA loans are designed to support individuals with lower credit scores and smaller down payments, allowing you to step into your dream home without the financial strain often associated with traditional mortgages.

Imagine waking up in a cozy Lake City home, surrounded by the natural beauty of Michigan’s lakes and forests, while knowing that your children are part of a thriving educational community. Whether you’re drawn to the area for its scenic charm, strong school district, or the promise of a supportive real estate market, Lake City is ready to welcome you home. Come explore your options today and discover the perfect place to create lasting memories!

Newest Lake City Homes with FHA Listing Terms

4 Beds ⋅ 4 Baths ⋅ 26031574 MLS ⋅ ACTIVE Status

Welcome to a truly exceptional country estate where luxury, comfort, and functionality come together in perfect harmony. Set on over 37 picturesque acres, this stunning 4-bedroom, 3.5-bath residence offers endless opportunities for farming, livestock, recreation, and hunting while delivering the refined finishes and modern conveniences today's buyers desire. From the moment you arrive, the welcoming covered front porch sets the tone for the warmth and elegance found throughout the home. Step inside and you'll immediately appreciate the attention to detail and quality craftsmanship. The gourmet kitchen serves as the heart of the home, showcasing crisp white cabinetry, sleek dark countertops, stainless steel appliances, elegant accent lighting, and a spacious seating bar designed for effortless entertaining. Rich, warm flooring flows throughout the main living areas, complementing the home's inviting yet sophisticated atmosphere. The open-concept design seamlessly connects the kitchen, dining, and living spaces, creating the perfect setting for gatherings while capturing breathtaking countryside views. Just off the foyer, a dedicated home office provides a private and professional workspace, ideal for remote work or managing day-to-day operations from home. The luxurious primary suite offers a true retreat, featuring a spa-inspired bath with dual vanities, a spacious walk-in shower, elegant finishes, and a large walk-in closet. Two additional generously sized bedrooms and a full bath are thoughtfully positioned on the opposite side of the main level, offering privacy and comfort for family and guests. The finished lower level is equally impressive, featuring radiant heated floors throughout, two expansive recreation and entertaining areas, one already plumbed for a future wet bar or secondary kitchen. An additional bedroom, full bath, and finished flex room with a closet provide exceptional versatility for guests, hobbies, fitness space, or multi-generational living.

4690 E Houghton Lake Road, Lake City

3 Beds ⋅ 1 Baths ⋅ 20261044262 MLS ⋅ ACTIVE Status

Beautiful lake front home on Lake Missaukee. This 3 bedroom, 1 bath home has only ever had 1 owner. Very spacious family/living room with wood-burning fireplace, and bonus room that is currently a hot tub room. Kitchen and dining room are open to the family room, creating a very spacious living area. Nice patio area with awning, facing the lake. Home has large shed and 2-car detached garage with concrete driveway. This home has always been used as a year-round home, but would would also make a wonderful summer cottage for weekend lake fun! Roof on house is about 10 years old. Gas wall furnace is 6 years old. Newer vinyl plank flooring. New shower insert (6 mos). Home sits on quiet small lagoon with a seawall. There is also an easement for the neighborhood with a nice sandy beach.

6783 W Northshore Drive, Lake City

1 Beds ⋅ 1 Baths ⋅ 20261033158 MLS ⋅ ACTIVE Status

NEW CONSTRUCTION , Maintenance Free, Metal Siding, Metal Standing Seam Roof! Be the very first to own this brand-new approximately 400 sq. ft. home featuring 1 bedroom, 1 bathroom, and an inviting open-concept living room and kitchen design. Thoughtfully built for efficiency and comfort, this charming home is perfect as a full-time residence, vacation getaway, or investment property.Situated on your own private lot, the home is elevated on piers and includes a private well and septic system for independent living and low-maintenance convenience. Never occupied and fully completed, this property already has its Certificate of Occupancy issued and is truly move-in ready.Financing options are available for qualified buyers, including Conventional, FHA, VA, FNMA, and Freddie Mac financing.Property Features:Brand-new constructionApproximately 400 sq. ft.1 bedroom / 1 full bathOpen living room & kitchen layoutPrivate lot settingWell & septic installedHome set on piersNever occupiedCertificate of Occupancy issuedEligible for Conventional, FHA, VA, FNMA & Freddie Mac financingEnjoy simple, affordable living in a peaceful Northern Michigan setting while still being close to the amenities and recreation that make Lake City such a desirable destination.Schedule your private showing today!

1545 S LACHANCE Road, Lake City

3 Beds ⋅ 3 Baths ⋅ 50205146 MLS ⋅ ACTIVE Status

Lakefront Living on Sapphire Lake! From enjoying fishing, golf, and taking the boat out on the water in the summer to ORV trails, skiing, snowmobiling and ice fishing in the winter this is lakefront living at its finest for all seasons! Built in 2003 and set on a desirable corner lot, this home offers over 2,135 finished square feet of space with a RARE 178 feet of private waterfront on beautiful 246-acre Sapphire Lake. It’s one of the few homes on the lake with this much frontage, giving you room to spread out and truly enjoy the water. Step inside and you’re greeted with an open-concept main level, where large windows frame lake views from nearly every angle. The kitchen, dining, and living spaces flow together seamlessly, creating a bright, welcoming atmosphere that is perfect for gathering with family and friends. The bathrooms throughout the home are generously sized, giving everyone space and comfort. Upstairs, two oversized bedrooms with vaulted ceilings provide plenty of room and capture panoramic views of Sapphire Lake. Both include oversized closets. The thoughtful design ensures you can wake up each morning to sunlight reflecting off the water. The finished walkout basement adds even more living space, complete with two sliding glass doors that lead directly to the lake. From here, step out onto the expansive 40x26 lower deck, the ultimate space for entertaining, grilling, or enjoying summer nights. Above, the 30x10 upper deck gives you another outdoor retreat with incredible views. Outside, the home offers everything you need for a true lake lifestyle. A sandy beach shoreline makes swimming easy and enjoyable, while the private dock is ready for your boat, jet skis, or just a quiet afternoon of fishing. A storage shed on the property provides space for lake toys and outdoor equipment, keeping everything close at hand. From sunrise to sunset, every room in this home offers a view of Sapphire Lake. And when you’re ready to explore, you’re just minutes from other area lakes and all the recreation that Northern Michigan has to offer. Whether you’re looking for a year-round residence, a seasonal getaway, or a place to gather and make memories, this home offers a rare combination of space, frontage, and comfort on one of the most beautiful lakes in the area.

1876 S Schneider Street, Lake City

3 Beds ⋅ 3 Baths ⋅ 25059661 MLS ⋅ ACTIVE Status

Nestled in the peaceful curve of Clayton Harbor Bay, this 4-bedroom, 2.5-bath storybook cottage captures the essence of Northern Michigan lakefront living. With 60 feet of private, sandy shoreline, your lakeside lifestyle begins the moment you arrive — morning coffee by the calm waters, evenings under the stars in the hot tub with a lake view, and endless days filled with sun, play, and serenity. Inside, a sun-drenched living and dining area welcomes you, with French doors that open onto an expansive back deck — perfect for entertaining or simply soaking in the lake breeze. The main level features an updated primary bedroom with hot tub access and lake views, a second cozy bedroom, two full baths and a mudroom/laundry area. Upstairs, you'll find two additional guest rooms — one with balcony views of the water — plus a half bath. This home has been extensively updated to blend charm with modern convenience: Entire exterior, decks, and shed freshly painted Luxury vinyl plank (LVP) flooring New lighting throughout Two new fan heaters in bathrooms New water heater, well pump, and whole-house water filtration system Smart Wi-Fi thermostats, smart locks, and a Ring camera system Portable AC units in all bedrooms for year-round comfort Mounted TVs in all bedrooms Expanded beach area and new added hot tub Smart-home controls let you manage locks, lighting, temperature, and security from your phone anytime, anywhere The converted two-stall garage is now a full game room/man cave, perfect for rainy-day fun. And with a private dock included, you're all set to enjoy every inch of Lake Missaukee's 1,880 acres of sandy-bottom, all-sports water. Just minutes from downtown Lake City, cruise into town and tie up at the dock for dinner, shopping, or a visit to the beloved Tasty Treat. Surrounded by ORV and snowmobile trails, close to ski resorts, and within easy reach of Traverse City and Lake Michigan, this home is your base for four-season adventure.

6789 W Redman Drive, Lake City

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