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4 Beds
4 Baths
5,408 sqft

$4,900,000

545 Bay Street, Boyne City MI, 49712

Price per sqft$906.07
Built in2014
Property size5,408 sqft
Property typeResidential

Overview

Active

Listed Sep 12, 2026

Updated 4 days ago

Lake Charlevoix Waterfront Masterpiece in Boyne City. Welcome to one of the most exceptional waterfront offerings on the north shore of Lake Charlevoix near downtown Boyne City where award-winning landscape and structural design meet timeless craftsmanship and modern luxury. Set on 80 feet of pristine frontage with sweeping westerly views and unforgettable sunsets, this 4-bedroom, 3.5-bath residence delivers a true four-season Northern Michigan lifestyle. The property includes an additional 105’ x 212’ lot with a pole barn—ideal for storing lake and recreational equipment—and the opportunity for additional housing. Two separate two car heated attached garages accommodate up to four vehicles and feature radiant in-floor heat, epoxy floors, and custom doors for year-round convenience. The exterior showcases full boulder stonework, ICF construction for superior efficiency, LED landscape lighting, and a professionally designed water feature. Granite steps, fieldstone shoreline protection, and a newly enhanced lakeside yard create a stunning natural setting, complete with a waterside firepit and pergola for shaded relaxation. Inside, hardwood flooring, shiplap accents, and a prewired sound system set a refined tone. The main living area centers around a dramatic stone fireplace and custom pocket doors by local artisan Fred Franchino. The updated kitchen features new cabinetry, stone accents, counter seating, and a reimagined pantry for added storage. Upstairs, the lakeside primary suite offers a private porch, walk-in closet, and elegant bath. A newly finished bunk room provides additional guest accommodations. The walkout lower level includes a second fireplace, family room, two bedrooms, full bath, and direct access to the lakeside pergola, firepit, and dock. A rare opportunity on Lake Charlevoix—where luxury, craftsmanship, and natural beauty meet.

$32,600/mo

Est. mortgage payment based on a $4,900,000 home price.

All estimates are provided by Luxury Presence for informational purposes only. Actual amounts may vary.

Additional information

MLS® ID
480799

Interior Features

Bedrooms
4
Bathrooms
4
Fireplace
Yes
Heating
Yes
Basement
No

Exterior Features

Lot Size
0.12 Acres

Other Property Details

Taxes
$3,398
Tax Frequency
Annually
Garage
Yes
Waterfront
Yes

Also listed on NMMLS

MLS provider logo

Listed by Gary Deters with Ashton Property Group
Listing Contact: 231-675-3263 

The IDX display contains information sourced from the Emmet Association of REALTORS® as of 10/1/2026. This data is intended solely for personal, non-commercial use and is not to be utilized for any other purposes except to identify potential properties for purchase. Although the MLS data displayed is typically considered reliable, it is not guaranteed to be accurate by the MLS. Buyers are responsible for verifying the accuracy of all information and are advised to conduct their own investigations or seek professional assistance. Other sources besides the Listing Agent may have contributed to the MLS data presented. Unless expressly specified in writing, the Broker/Agent has not confirmed any information obtained from external sources. The Broker/Agent may or may not have acted as the Listing and/or Selling Agent and cannot guarantee the accuracy of property locations displayed on any map. Any compensation offers are solely made to participants of the MLS where the listing is registered.

©2026 Emmet Association of REALTORS® all rights reserved.

Data last updated on 10/1/2026 at 3:27 AM UTC

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