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For sale
    • Price cut: $10K (8/5)
    $210,000

    5540 N Bear Lake Trl, Rose City, MI 48654

    3beds
    1,032sqft
    : 
    $1,430/mo
    Get pre-qualified
    Single Family Residence
    Built in 1994
    2.7 Acres Lot
    $207,500 Zestimate®
    $203/sqft
    $-- HOA

    What's special

    Mini-split heating and coolingSpiral staircaseDurable metal roofCozy wood-burning stoveOpen-concept floor planHandcrafted wood countertopsAbundant workspace
    BEAR LAKE WATERFRONT HOME! Escape to the peace and quiet of northern Michigan with this beautifully updated modified A-frame nestled on 2.7 wooded acres with 208 feet of frontage on private Bear Lake. Bordering the Huron National Forest, this property offers direct access to thousands of acres of public land for hiking, hunting, wildlife viewing, and year-round outdoor recreation, while nearby ATV and snowmobile trails can be accessed from the property. Inside, you'll find approximately 1,032 square feet of warm, inviting living space featuring soaring vaulted ceilings with exposed wood beams, an open-concept floor plan, and a cozy wood-burning stove that creates the perfect Up North atmosphere. The custom kitchen is loaded with character, showcasing handcrafted wood countertops, a corrugated metal backsplash, abundant workspace, and a walk-in pantry. The home offers three bedrooms and an updated full bath featuring a tiled walk-in shower. A spiral staircase leads to the upper level, where the loft-style layout adds charm and flexibility for family and guests. Step outside to enjoy the privacy of the wooded setting, frequent visits from deer and other wildlife, and peaceful views of Bear Lake, which is approximately 15 acres in size and reaching depths of around 30 feet, Bear Lake is well known locally for its fishing and quiet setting. Additional features include a durable metal roof, mini-split heating and cooling, a new septic installed in 2019, and two storage buildings—including a 12' x 8' shed wired for electricity and a 12' x 16' storage shed—providing plenty of room for tools, fishing gear, ATVs, and outdoor equipment. Whether you're looking for a year-round residence, weekend getaway, or recreational base camp, this turnkey property offers the perfect blend of comfort, privacy, and northern Michigan adventure.
    40 days
    1,427
    88

    Zillow last checked:

    Listing updated:

    Listed by:

    CHRIS DACK 989-965-0509,

    BENJAMIN REALTY 989-685-2414

    Source: NGLRMLS,MLS#: 1948214MLS Logo

      Facts & features

      Interior

      Bedrooms & bathrooms
      • Bedrooms: 3
      • Bathrooms: 1
      • 3/4 bathrooms: 1
      • Main level bathrooms: 1
      • Main level bedrooms: 1
      Primary bedroom
      • Level: Main
      • Area: 120
      • Dimensions: 10 x 12
      Bedroom 2
      • Level: Upper
      • Area: 93.5
      • Dimensions: 11 x 8.5
      Bedroom 3
      • Level: Upper
      • Area: 97.75
      • Dimensions: 11.5 x 8.5
      Primary bathroom
      • Features: Shared
      Kitchen
      • Level: Main
      • Area: 120
      • Dimensions: 10 x 12
      Living room
      • Level: Main
      • Area: 266
      • Dimensions: 14 x 19
      Heating
      • Heat Pump, Wood
      Cooling
      • Ductless, Electric
      Appliances
      • Included: Refrigerator, Oven/Range, Washer, Dryer, Electric Water Heater
      • Laundry: Main Level
      Features
      • Pantry, Loft, Beamed Ceilings, Vaulted Ceiling(s), Drywall
      • Windows: Drapes
      • Has fireplace: Yes
      • Fireplace features: Wood Burning, Stove
      Interior area
      • Total structure area: 1,032
      • Total interior livable area: 1,032 sqft
      • Finished area above ground: 1,032
      • Finished area below ground: 0

      Property

      Parking
      • Parking features: None, Gravel, Dirt, Private
      Accessibility
      • Accessibility features: None
      Features
      • Levels: One and One Half
      • Stories: 1
      • Patio & porch: Patio, Covered
      • Exterior features: Dock
      • Has view: Yes
      • View description: Water
      • Water view: Water
      • Waterfront features: Bluff (greater than 10ft), Private Lake
      • Body of water: Bear Lake - Oge-Rose
      • Frontage type: Waterfront
      • Frontage length: 208
      Lot
      • Size: 2.7 Acres
      • Dimensions: 475 x 250
      • Features: Wooded-Hardwoods, Wooded, Sloped, Landscaped, Metes and Bounds
      Details
      • Additional structures: Shed(s)
      • Parcel number: 06501310600700
      • Zoning description: Residential
      • Other equipment: Dish TV

      Construction

      Type & style
      • Home type: SingleFamily
      • Architectural style: A-Frame
      • Property subtype: Single Family Residence
      Materials
      • Frame, Vinyl Siding
      • Foundation: Slab
      • Roof: Metal/Steel
      Condition
      • New construction: No
      • Year built: 1994

      Utilities & green energy

      • Sewer: Private Sewer
      • Water: Private
      Green energy
      • Energy efficient items: Not Applicable
      • Water conservation: Not Applicable

      Community & HOA

      Community
      • Features: None
      • Subdivision: N/A
      HOA
      • Services included: None
      Location
      • Region: Rose City

      Financial & listing details

      • Price per square foot: $203/sqft
      • Tax assessed value: $38,521
      • Annual tax amount: $1,002
      • Price range: $210K - $210K
      • Date on market: 7/20/2026
      • Cumulative days on market: 40 days
      • Listing agreement: Exclusive Right Sell
      • Listing terms: Conventional,Cash
      • Ownership type: Private Owner
      • Road surface type: Gravel, Dirt

        Estimated market value

        $207,500

        $197,000 - $218,000

        $1,194/mo

        Price history

        DateEventPrice
        8/5/2026Price change$210,000-4.5%$203/sqft
        Source: NGLRMLS #1948214 Report a problem
        7/20/2026Listed for sale$220,000+109.5%$213/sqft
        Source: NGLRMLS #1948214 Report a problem
        8/4/2005Sold$105,000$102/sqft
        Source: Public Record Report a problem

        Public tax history

        YearProperty taxesTax assessment
        2025$981 +3.7%$53,100 +3.3%
        2024$945 +3.9%$51,400 +21.2%
        2023$910 +0%$42,400 +28.5%
        2022$910 -2.9%$33,000 -2.9%
        2021$938 $34,000 +1.2%
        2020-- $33,600 +24.4%
        2018$733 -23.3%$27,000 +3.8%
        2017$955 $26,000 +12.6%
        2016$955 +0.3%$23,100 +2.2%
        2015$953 +246.4%$22,600 -17.8%
        2014$275 $27,500 +1.1%
        2013-- $27,200 -0.4%
        2012-- $27,300 -5.2%
        2011-- $28,800 -18.2%
        2010-- $35,200
        Find assessor info on the county website

        Monthly payment

        Est. payment

        Payment breakdown

        Explore the cost of this home by adjusting the details. Changes won't be saved.
        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.
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        Climate risks

        Neighborhood: 48654

        Getting around

        0 / 100
        Car-Dependent

        Nearby schools

        GreatSchools rating
        Schools provided by the listing agent
        • District: West Branch-Rose City Area 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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