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For sale
    • $1,305,000

    128 River St, Elk Rapids, MI 49629

    2beds
    3,595sqft
    : 
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    Single Family Residence
    Built in 1948
    3,049 Square Feet Lot
    $1,180,100 Zestimate®
    $363/sqft
    $-- HOA

    What's special

    Wood-burning fireplaceSecond wood-burning fireplaceGenerous and flexible spaceUnique architectural elementsIdeal for outdoor livingOriginal bank vaultWalk-in closet
    Unique mixed-use opportunity in the heart of downtown Elk Rapids, Michigan, conveniently located near the harbor. Originally constructed circa 1948 as a bank, this distinctive property blends historic character with comfortable residential living. The upper level features a thoughtfully designed owner’s residence offering generous and flexible space, including a primary suite with jetted tub and walk-in closet, a large guest bedroom, and a den suitable for a variety of uses, including a potential non-conforming third bedroom. The residence includes a wood-burning fireplace and a spacious private deck, ideal for outdoor living, with gorgeous harbor views. The main level offers additional space currently used as a gallery, showcasing artwork from over 200 fine artists and craftsmen from across North America. The space features a second wood-burning fireplace and retains unique architectural elements, including the original bank vault, adding to the property’s character. To maintain privacy and professional standards, the property is shown by appointment only. Prospective buyers can review local zoning details via the Elk Rapids Village website to explore the full potential of this location.
    86 days
    |
    999
    |
    34
    |

    Zillow last checked:

    Listing updated:

    Listed by:

    Deirdre Carroll Cell:231-534-4753,

    Century 21 Northland 231-929-7900

    Source: NGLRMLS,MLS#: 1943835MLS Logo

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      Facts & features

      Interior

      Bedrooms & bathrooms
      • Bedrooms: 2
      • Bathrooms: 3
      • Full bathrooms: 2
      • 1/2 bathrooms: 1
      • Main level bathrooms: 1
      Primary bedroom
      • Level: Upper
      • Area: 234.24
      • Dimensions: 18.3 x 12.8
      Bedroom 2
      • Level: Upper
      • Area: 167.79
      • Dimensions: 14.1 x 11.9
      Primary bathroom
      • Features: Private
      Dining room
      • Level: Upper
      • Area: 137
      • Dimensions: 13.7 x 10
      Kitchen
      • Level: Upper
      • Area: 241.38
      • Dimensions: 16.2 x 14.9
      Living room
      • Level: Upper
      • Area: 465.63
      • Dimensions: 18.7 x 24.9
      Heating
      • Forced Air, Natural Gas, Fireplace(s)
      Cooling
      • Central Air, Whole House Fan/Attic Fan
      Appliances
      • Included: Refrigerator, Disposal, Dishwasher, Microwave, Washer, Dryer, Oven, Cooktop, Exhaust Fan, Electric Water Heater, Gas Water Heater
      • Laundry: Upper Level
      Features
      • Bookcases, Pantry, Solid Surface Counters, Kitchen Island, Mud Room, Den/Study, Drywall, Ceiling Fan(s), Cable TV, WiFi
      • Flooring: Carpet, Luxury Vinyl Plank, Vinyl
      • Windows: Skylight(s), Bay Window(s), Blinds
      • Basement: Full
      • Has fireplace: Yes
      • Fireplace features: Wood Burning
      Interior area
      • Total structure area: 3,595
      • Total interior livable area: 3,595 sqft
      • Finished area above ground: 3,595
      • Finished area below ground: 0
      Video & virtual tour

      Property

      Parking
      • Total spaces: 2
      • Parking features: Attached, Concrete Floors, Concrete
      • Attached garage spaces: 2
      Accessibility
      • Accessibility features: Grip-Accessible Features, Other
      Features
      • Levels: Two
      • Stories: 2
      • Patio & porch: Deck, Patio
      • Exterior features: Sidewalk
      • Has spa: Yes
      • Spa features: Bath
      • Fencing: Fenced
      • Has view: Yes
      • View description: Seasonal View, Water
      • Water view: Water
      Lot
      • Size: 3,049 Square Feet
      • Dimensions: 130 x 25
      • Features: Cleared, Level
      Details
      • Additional structures: None
      • Parcel number: 054325001300
      • Zoning description: Commercial

      Construction

      Type & style
      • Home type: SingleFamily
      • Architectural style: Other
      • Property subtype: Single Family Residence
      Materials
      • Other, Frame, Vinyl Siding
      • Foundation: Block, Stone, Other
      • Roof: Membrane
      Condition
      • New construction: No
      • Year built: 1948
      • Major remodel year: 1990

      Utilities & green energy

      • Sewer: Public Sewer
      • Water: Public
      Green energy
      • Energy efficient items: Appliances, Not Applicable
      • Water conservation: Not Applicable

      Community & HOA

      Community
      • Features: None
      • Security: Security System, Smoke Detector(s)
      • Subdivision: H H NOBLES ADD TO ELK RAPIDS
      HOA
      • Services included: None
      Location
      • Region: Elk Rapids

      Financial & listing details

      • Price per square foot: $363/sqft
      • Tax assessed value: $139,892
      • Annual tax amount: $3,876
      • Price range: $1.3M - $1.3M
      • Date on market: 4/16/2026
      • Cumulative days on market: 87 days
      • Listing agreement: Exclusive Right Sell
      • Listing terms: Cash,1031 Exchange,Other
      • Ownership type: Private Owner
      • Road surface type: Asphalt

        Estimated market value

        $1,180,100

        $1.12M - $1.24M

        $2,578/mo

        Price history

        DateEventPrice
        4/16/2026Listed for sale$1,305,000$363/sqft
        Source: NGLRMLS #1943835 Report a problem

        Public tax history

        Tax history is unavailable.

        Monthly payment

        Est. payment

        Payment breakdown

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        All calculations are estimates and provided by Zillow, Inc. for informational purposes only. Actual amounts may vary.
        HOA fees may include property taxes on listings classified as Co-Ops. Contact the listing agent and/or owner for fee details.
        Mortgage interest rates are dependent on a number of factors, including credit score, down payment, and repayment length. Interest rate data provided by Zillow Group Marketplace, Inc. as of 1/1/1970 from various mortgage lenders with which we have lead or other similar arrangements; the Estimated Payment is an average of those rates.
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        Climate risks

        Neighborhood: 49629

        Getting around

        60 / 100
        Somewhat Walkable
        59 / 100
        Bikeable

        Nearby schools

        GreatSchools rating
        Schools provided by the listing agent
        • District: Elk Rapids Schools

        Source: NGLRMLS. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.

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