105

Days on homefello

2026

Year Built

$554

Price Per Sqft

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Price vs Median

Could you see yourself in this home?

Finished Basement

Spacious Deck

Central Air

Large Garage (3+ Spaces)

Full Home Description

Rising above Little Traverse Bay, The Summit Over Bay Harbor offers a rare opportunity to create a bespoke waterfront residence in one of Northern Michigan's most prestigious resort settings. Designed for those who value elevated living, privacy, and unforgettable surroundings, each residence captures sweeping water views and dramatic sunsets from multiple levels. This expansive offering features approximately 5,586 square feet of interior living space, complemented by a 1,139 square foot rooftop terrace designed for entertaining, relaxation, and evening gatherings overlooking Lake Michigan. An additional 720 square feet of unfinished lower-level space provides flexibility for storage or future customization, bringing the total square footage to approximately 7,445 square feet. Floor-to-ceiling windows flood the interiors with natural light and frame the bay as a living work of art. The open main living level is ideal for hosting, anchored by a gourmet kitchen with premium appliances, generous island, fireplace, wet bar, and seamless indoor-outdoor flow. The primary suite is a serene retreat with panoramic water views, private patio access, a spacious walk-in closet, and spa-inspired bath. Multiple en-suite bedrooms, each with private outdoor access, provide exceptional comfort and privacy for family and guests. A detached guest house and four-car garage further enhance the residence, while elevator access connects each level with ease. Residences at The Summit Over Bay Harbor are offered as custom build opportunities, allowing buyers to select architectural details, interior finishes, and premium upgrades tailored to their lifestyle. Located across from The Cliffs at Bay Harbor and minutes from Petoskey, Charlevoix, Boyne City, and Harbor Springs, this is Northern Michigan luxury living at its finest.

Listed by Candice Rich Vallone · @properties Christie's Int'l R.E. Birmingham · (248) 850-8632

Inside the Home
  • 6 bedrooms

  • 6 full bathrooms

  • 2 half bathroom

  • Includes dishwasher, disposal, dryer, refrigerator, washer, range, oven

  • 6,306 sq ft of living space

  • Finished

Comfort & Climate
  • Forced Air, Natural Gas

  • Central Air

  • Fireplace — gas, living room

Outdoor Features
  • Deck

Parking & Storage
  • 4-car attached, paved, garage door opener, heated garage

Property Overview
  • Built in 2026

  • Contemporary architecture

  • Condominium

  • HOA: $3,303 / Quarterly

  • HOA includes: maintenance grounds, snow removal, maintenance structure

Utilities
  • Water: Public

Construction
  • New construction

Community
  • Emmet County

Estimate Your Mortgage Payment
Offer Purchase Price

$

List Price Offer
Down Payment

$

%

No PMI
Loan Type
Loan Term
Zip Code
Interest Rate

%

Default area avg

Property Tax (%)
Home Insurance ($/yr)
HOA ($/mo)

Monthly Mortgage
$20,555
/mo

Principal & Interest:

$16,960

Taxes:

$3,495

Insurance:

$100

HOA Fees:

$0

Loan Types You May Qualify For
FHA Loans
  • 3.5% down payment
  • Lower credit scores

VA Loans (Veterans)
  • $0 down payment
  • No PMI
  • Often lower rates

Conventional Loans
  • Good for great credit
  • May not require PMI
First-Time Buyer Programs
  • Low down payment
  • Reduced rates
Down Payment Assistance
  • Forgivable loans & grants
  • DPA programs

Rating

School Name

Distance

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Reported Incidents (Last 5 Years)

From: 3575 Charlevoix Avenue 22, Petoskey 49770

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IDX provided courtesy of Realcomp II Ltd. via GoodHome Realty and MLS. Copyright 2026 Realcomp II Ltd. Shareholders. IDX information is provided exclusively for consumers' personal, noncommercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.

The accuracy of all information, regardless of source, is not guaranteed or warranted. All information should be independently verified.

The data relating to real estate properties on this website was last updated as recently as .

Listing Information presented by local MLS brokerage: GoodHome Realty and MLS, Inc., REALTOR® - Quinton Lemond - (248) 928-4992.