





$3,695,000
6
Beds
8
Baths
6306
Sqft
3575 Charlevoix Avenue 31, Petoskey, MI 49770
105
Days on homefello
2026
Year Built
$586
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) 850-8632Inside 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
$
$
%
%
Monthly Mortgage
$21,725
/moPrincipal & Interest:
$17,930
Taxes:
$3,695
Insurance:
$100
HOA Fees:
$0
Is this home within your budget?
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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
District: Petoskey Schools
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