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128 River Street Elk Rapids, MI $ 1,305,000
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128 River Street
$ 1,305,000
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128 River Street

Elk Rapids, MI, 49629
$ 1,305,000
Bedrooms2 Baths2.1 Sq 3,595

Monthly Estimate*

$ 8,035

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Single Family Home for sale in Elk Rapids, MI

for $1,305,000 with 2 bedrooms and 2 full baths, 1 half bath. This 3,595 square foot home was built in 1948 on a lot size of 0.07.

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.

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Single Family Active

Price

$ 1,305,000

Bedrooms

2

Full Bath

2

Half Bath

1

Property Type

Single Family

Taxes

$ 3,876

Style

Lot Size

0.07

Year Built

1948

Town/City

Elk Rapids

County/Region

Antrim

MLS | Web ID

1943835
Features
Interior
Interior Amenities Bookcases Pantry Solid Surface Counters Kitchen Island Mud Room Den/Study Drywall Ceiling Fan(s) Cable TV WiFi
Basement Full
Flooring Vinyl Carpet
Fireplace Features Wood Burning
Kitchen Level Upper
Basement (Y/N) N
Air Conditioning Y/N Y
Heating Y/N Y
Window Features Skylight(s) Bay Window(s) Blinds
Fireplace Y/N Y
Above Grade Finished Area 3595
Half Baths 1
3/4 Baths 0
Laundry Features Upper Level
Total Bedrooms 2
Below Grade Finished Area 0
Living Room Level Upper
Main Level Bathrooms 1
Below Grade Finished Area Unit Type Square Feet
Above Grade Finished Area Unit Type Square Feet
Total Baths 3
Primary Bathroom Features Private
Kitchen Area 241.38
Kitchen Length 16.2
Kitchen Width 14.9
Primary on Main 167.79
Second Bedroom Length 14.1
Second Bedroom Width 11.9
Dining Room Area 13.7 137
Dining Room Width 10
Living Room Area 465.629999999
Living Room Length 18.7
Living Room Width 24.9
Primary Bedroom Area 234.24
Primary Bedroom Length 18.3
Primary Bedroom Width 12.8
Dining Room Level Upper
Second Bedroom Level Upper
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General
Sewer Public Sewer
Heating Forced Air Fireplace(s) Natural Gas
Cooling Whole House Fan/Attic Fan Central Air
Possession Negotiable
Roof Membrane
Appliances Refrigerator Disposal Dishwasher Microwave Washer Dryer Oven Cooktop Exhaust Fan Electric Water Heater Gas Water Heater
Garage Spaces 2
Association Fee Includes None
Patio/Porch Features Deck Patio
Architectural Style Other
Security Features Security System Smoke Detector(s)
Construction Materials Other Frame Vinyl Siding
Pets Allowed false
Year Built 1948
View Water Seasonal View
Stories Count 2
Township Elk Rapids
Levels Two
Property Subtype Single Family Residence
Tax Year 2025
Community Features None
Accessibility Grip-Accessible Features Other
Assoc Fee Paid Per Annually
County Antrim
New Construction N
Property Type Residential
Attached Garage Y
Energy Efficient Not Applicable Appliances
Subdivision Name H H NOBLES ADD TO ELK RAPIDS
Garage Y/N Y
Green Water Conservation Not Applicable
Other Structures None
Full Baths 2
Status Active
Directions From Traverse City take US-31 North for about 15–17 miles into Elk Rapids. Continue straight into downtown then turn left onto River Street. Drive a short distance; 128 River Street will be on your r
City Elk Rapids
High School District Elk Rapids Schools
Zoning Description Commercial
Lot Size Units Acres
Lot Size Square Feet 3049.2
Carport Y/N N
Spa Features Bath
Tax Annual Amount 3876.74
Home Warranty Y/N N
Lease Renewal Y/N N
Lease Considered Y/N N
Virtual Tour https://www.dropbox.com/scl/fo/6qrlhyo1tlrfdsxejkrmm/AAr90h6tE7YGbXKB8k4neo8/Videos?rlkey=37wm3mbwj2ebifb4z0vzq3jp2&subfolder_nav_tracking=1&st=ya2xzac8&dl=0 https://www.dropbox.com/scl/fo/6qrlhyo1tlrfdsxejkrmm/ABGd10cFwCZXkTi3HXyNBCI/Videos/128%20River%20Street.mp4?rlkey=37wm3mbwj2ebifb4z0vzq3jp2&st=2bzeqat0&dl=0
Primary Bedroom Level Upper
Living Area Units Square Feet
Standard Status Active
Middle/Junior School District Elk Rapids Schools
Elementary School District Elk Rapids Schools
Tax Assessed Value 139892
Ownership Type Private Owner
Lease Amount Frequency Annually
Legal Description LOT 7 EXC THE E 54 FT ALSO EXC W 25 FT PLAT OF H H NOBLES ADD TO ELK RAPIDS
Year Built Effective 1990
Freehold IDX
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Exterior
Exterior Amenities Sidewalk
Fencing Fenced
Parking Features Concrete Attached Concrete Floors
Lot Features Cleared Level
Water Source Public
Lot Size Area 0.07
Foundation Details Block Stone Other
Number of Buildings 1
Spa Y
Lot Dimensions 130x25
Lot Size Acres 0.07
Road Surface Type Asphalt
Waterfront Y/N N
Road Responsibility Public Maintained Road
Horse Y/N N
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* Excluded Features
List By
Century 21 Northland

Broker

Cell: 231-534-4753

Contact

Affordability Calculator

$8,358
Per Month
96%
4%
0%
Monthly Principal & Interest
$8,035
Monthly Property Taxes
$323
Monthly Home Insurance
--
Default based on a 30-year fixed rate of 6.25% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.
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Nearby
2034079 Elementary School
2034321 Middle School
Unknown High School High School
See complete school information
Pricing History
DatePricePrice ChangeDescription
4/16/2026$1,305,000 Listed Price

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128 River Street, Elk Rapids, MI, 49629 is a Single Family Home for sale at $1,305,000 with 3,595 sqft and a lot size of 0.07. 128 River Street has 2 bedrooms, 2.1 baths, and was built in 1948. The property's zip code is 49629 which is in Elk Rapids, MI

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