Charlevoix County Homes under $400,000

Charlevoix County Homes under $400,000

Welcome to Charlevoix County, Michigan—a hidden gem nestled between the shimmering waters of Lake Michigan and Lake Charlevoix. Known for its stunning natural beauty, this region is a haven for outdoor enthusiasts and those seeking a tranquil lifestyle. With picturesque landscapes, charming small towns, and a vibrant community, Charlevoix offers the perfect blend of relaxation and adventure.

One of the most appealing aspects of living in Charlevoix is the accessibility of homes priced under $400,000. Whether you're a first-time homebuyer, looking to downsize, or seeking a vacation retreat, you’ll find a variety of options that cater to your needs. From cozy cottages surrounded by lush forests to modern family homes near the heart of town, the housing market here is diverse and inviting.

Imagine waking up to the sound of gentle waves lapping at the shore, or enjoying a leisurely stroll through the quaint streets of downtown Charlevoix, where local shops and restaurants await. The county is also rich in recreational opportunities, with numerous parks, hiking trails, and waterfront activities to enjoy year-round.

With a strong sense of community and an array of amenities, Charlevoix County is not just a place to live; it’s a lifestyle choice. If you're ready to find your dream home without breaking the bank, explore the charming properties under $400,000 in this enchanting part of Michigan. Your new adventure awaits in Charlevoix!

Newest Charlevoix County Homes under $400,000

38493 Indian Woods, Beaver Island
$245,000
2 Beds ⋅ 1 Baths ⋅ 1951331 MLS ⋅ Port St. James BLDG.
Tucked among the trees in the desirable Port of St. James, this charming two-bedroom, one-bath cottage offers a peaceful Beaver Island retreat just a short walk from the shores of Lake Michigan and approximately one mile from beautiful Donegal Bay. Situated on two lots, the property offers a wonderful sense of privacy and room to enjoy the surrounding island landscape. Inside, the home feels bright, comfortable, and welcoming, with an open living area, abundant windows, and a cozy wood stove creating the perfect gathering space after a day at the beach or exploring the island. The kitchen and dining areas flow easily into the living space, while large windows bring in natural light and views of the surrounding woods. The cottage has also benefited from several significant improvements, including anew septic system installed in 2019, updated flooring, a new roof in 2025, and all-new windows in 2026, professionally installed by Greenwald - a respected Beaver Island contractor. The property is served by a shallow well. Whether you're looking for a seasonal island getaway, vacation rental opportunity, or a simple year-round home surrounded by nature, this inviting cottage offers an appealing combination of location, character, and important recent updates - all within easy reach of some of Beaver Island's most beautiful LakeMichigan shoreline.

38493 Indian Woods, Beaver Island
205 Clinton Street, Charlevoix
$350,000
2 Beds ⋅ 1 Baths ⋅ 1951148 MLS ⋅ Original Of City BLDG.
GREAT OPPORTUNITY IN DOWNTOWN CHARLEVOIX! Discover the perfect location to bring your vision to life in the heart of Charlevoix, “the Beautiful.” Professional use building with over 3,000 square feet of possibilities. Zoning is professional use.

205 Clinton Street, Charlevoix
5700 Blue Gill Bend, Ellsworth
$289,000
2 Beds ⋅ 1 Baths ⋅ 1951074 MLS ⋅ Plat Of Glenacre BLDG.
Escape to the lake in this one-of-a-kind cottage, creatively built around an antique Airstream camper and thoughtfully remodeled from the studs out. Full of character and modern comfort, this charming retreat offers a sleeping loft, remodeled bathroom, and efficient galley kitchen. The living room enjoys beautiful views of the lake and has hardwood floors, with wood ceilings for the Up North vibe —perfect for weekend getaways, summer living, or a memorable lake retreat. Step outside onto the expansive lakeside composite deck and enjoy 66 feet of private lake frontage with beautiful water views and plenty of room for relaxing, entertaining, or soaking up the sunshine. A 12' x 16' garden shed provides excellent storage for lake toys or outdoor equipment. Located immediately next to the neighborhood lakefront beach, the property enjoys added privacy and expansive views from the extra lake frontage where no one will build. Six Mile Lake is an all-sports lake on Antrim County’s Upper Chain-of-Lakes, offering opportunities for boating, fishing, swimming, and enjoying all that lake life has to offer. It is centrally located within an hour of northern Michigan’s most popular destinations, golf and ski resorts and hiking/biking trail systems. Whether you’re looking for a distinctive vacation getaway or a cozy lakeside escape, this charming cottage delivers character, comfort, and an exceptional waterfront setting. Best of all, it is being offered furnished, so you can unpack your bags and start enjoying it from day one.

5700 Blue Gill Bend, Ellsworth
4358 Witmere US-131, S, Charlevoix
$350,000
5 Beds ⋅ 2 Baths ⋅ 1951008 MLS
Enjoy the space and privacy of 5 acres just outside of Charlevoix. Built in 2006, this 5-bedroom, 2-bath home offers plenty of room for family, guests, hobbies, and Northern Michigan living. The property gives you the feel of being tucked away while still being a convenient drive to downtown Charlevoix, Lake Michigan and area attractions. A great opportunity to make this well-sized home and acreage your own.

4358 Witmere US-131, S, Charlevoix
4012 Loeb Road, Charlevoix
$399,900
3 Beds ⋅ 2 Baths ⋅ 1950953 MLS ⋅ Adams Lake BLDG.
Enjoy peaceful waterfront living on 3.8 acres with approximately 200 feet of Adams Lake frontage! Built in 2023, this 3-bedroom, 2-bath home offers approximately 1,600 square feet of finished living space on the main level. The spacious primary suite features a private bath and walk-in closet. Enjoy abundant wildlife along with fishing, boating, and kayaking right from your own property. The full drywalled walkout basement offers tremendous potential for additional living space and features two egress windows, a sliding glass door, and plumbing already in place for an additional bathroom. Finish the lower level to suit your needs and significantly expand the home’s usable living space. A garage foundation is already in place, providing a head start for the future construction of a garage. With acreage, substantial lake frontage, a newer home, and room for future expansion, this property offers a wonderful opportunity to enjoy the Northern Michigan waterfront lifestyle.

4012 Loeb Road, Charlevoix
748 7th Street, East Jordan
$349,900
2 Beds ⋅ 2 Baths ⋅ 1950194 MLS ⋅ N/A BLDG.
Welcome to this beautifully updated ranch-style home offering comfort and peaceful country living, right within city limits. Completely refreshed with windows, stylish LVP flooring throughout, brand-new cabinets, a warm butcher-block countertop, and a full suite of top-of-the-line stainless steel Midea appliances, this move-in-ready residence is ready for its next chapter. The practical layout includes a convenient mudroom and laundry room, plus an attached 2-car garage. A large unfinished basement provides excellent potential to expand into additional living space. Outside you’ll enjoy both a cement patio and a wood patio surrounded by fresh rhubarb, ideal spots for morning coffee or evening relaxation. The property truly shines outdoors. A natural flowing stream meanders through the yard and feeds a lively pond home to ducks, herons, turtles, and frogs. Abundant wildlife thrives here, including diverse bird species, wild turkeys, and families of deer. The backside of the 3.83-acre parcel features a large wooded hill that delivers exceptional privacy and yields morels in season. A sturdy metal roof protects the home, and a spacious 960 sq ft pole barn offers versatile storage or workshop potential. Fiber optic internet has just been installed for reliable high-speed connectivity, and the property is served by city water and sewer. Located as the last home on the street before it becomes a quiet seasonal dirt road, daily traffic is minimal in the summer and nonexistent in the winter, creating a serene, private setting while still enjoying city conveniences.

748 7th Street, East Jordan
204 Petoskey Avenue, Charlevoix
$319,000
3 Beds ⋅ 1 Baths ⋅ 1950178 MLS ⋅ Na BLDG.
Take a step inside this recently updated 3-bedroom northside home within walking distance to downtown Charlevoix, Lake Michigan, Lake Charlevoix, and the municipal golf course. Recent updates include a new roof in 2021, completely rewired electrical throughout, new flooring, complete bathroom remodel in 2023, and newer appliances. This move-in ready property is ready for evening meals on the back deck, relaxing after a day on the water, and sharing the space with family and friends. Welcome Home!

204 Petoskey Avenue, Charlevoix
609 7th Street, East Jordan
$209,000
3 Beds ⋅ 2 Baths ⋅ 1948330 MLS ⋅ Wabanimkee BLDG.
This charming 3-bedroom, 2-bathroom home featuring updated appliances is the perfect entry point into the market. Enjoy morning coffee in the 3-season room, or head outside to your private backyard retreat. Situated on just under a quarter-acre lot, there's plenty of room to spread out and make it your own. Located just minutes from East Jordan schools, downtown shops, and the marina–whether you're a first-time buyer, looking to downsize, or an investor, this is for you.

609 7th Street, East Jordan
7031 Applewood Drive, Charlevoix
$395,000
4 Beds ⋅ 3 Baths ⋅ 1947979 MLS ⋅ Applewood Estates BLDG.
Located at the end of a quiet cul-de-sac, this charming Charlevoix home sits on a spacious .33-acre lot with the option to purchase the adjacent lots on either side. Lake Michigan beach is just a short walk away, while Charlevoix Hospital is only half a mile from home. Inside, the main floor offers 3/4-inch maple hardwood floors, a private primary suite, main-floor laundry and a cozy gas fireplace. A finished garage and whole-home standby generator provide added comfort and peace of mind. The HOA makes ownership easy by covering road maintenance, snow plowing, lawn care, garbage service and all exterior maintenance. Beautiful perennial gardens and a full sprinkler system complete this well-cared-for property in one of Northern Michigan’s most loved lakeside communities.

7031 Applewood Drive, Charlevoix
109 Pine Street, East Jordan
$334,900
4 Beds ⋅ 2 Baths ⋅ 1945129 MLS
Nestled on a spacious corner lot in East Jordan, 109 Pine St presents a unique opportunity with space, functionality, and versatility. Thiswell-maintained property features 4 bedrooms, 2 bathrooms, dedicated office space, utility room, and separate laundry area designed toaccommodate a variety of needs. A large pole barn adds valuable storage, workspace, or additional utility potential. Conveniently locatednear downtown East Jordan, local parks, schools, and everyday amenities, this property offers both accessibility and practicality in acharming Northern Michigan setting. Currently operating as an AFC home with established occupancy in place, creating an excellentinvestment opportunity.

109 Pine Street, East Jordan
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