Explore Bay Harbor, MI Condominiums for Sale with Listings, Prices & Buying Tips

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Bay Harbor, Michigan

Nestled along the stunning shores of Lake Michigan, Bay Harbor is one of Northern Michigan’s most luxurious and scenic waterfront communities. Known for its upscale lifestyle, world-class marina, and breathtaking sunsets, Bay Harbor offers a refined living experience with a strong sense of community charm.

The condominiums for sale in Bay Harbor range from cozy, elegantly designed residences to spacious, high-end waterfront retreats. Many feature open floor plans, private balconies, high ceilings, and panoramic views of Little Traverse Bay. Whether you're seeking a year-round residence, vacation home, or investment property, Bay Harbor condos deliver a unique blend of comfort, style, and convenience.

Real Estate Statistics

Average Price	$1.6M
Lowest Price	$209K
Highest Price	$2.5M
Total Listings	20
Avg. Price/SQFT	$715

Property Types (active listings)

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• $200,000 - $300,000
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$2,459,000

Tbd Village Heights Court Unit 10, Bay Harbor

4 Beds 5 Baths 2,745 SqFt Residential MLS® # 476894

$2,459,000

Tbd Village Heights Court Unit 4, Bay Harbor

4 Beds 5 Baths 2,745 SqFt Residential MLS® # 476888

$2,399,000

Tbd Village Heights Court Unit 9, Bay Harbor

4 Beds 5 Baths 2,745 SqFt Residential MLS® # 476893

$2,399,000

Tbd Village Heights Court Unit 5, Bay Harbor

4 Beds 5 Baths 2,745 SqFt Residential MLS® # 476889

$2,279,000

Tbd Village Heights Court Unit 8, Bay Harbor

4 Beds 5 Baths 2,611 SqFt Residential MLS® # 476892

$2,279,000

Tbd Village Heights Court Unit 2, Bay Harbor

4 Beds 5 Baths 2,611 SqFt Residential MLS® # 476886

$2,199,000

Tbd Village Heights Court Unit 7, Bay Harbor

4 Beds 5 Baths 2,611 SqFt Residential MLS® # 476891

$2,199,000

Tbd Village Heights Court Unit 3, Bay Harbor

4 Beds 5 Baths 2,611 SqFt Residential MLS® # 476887

$1,999,000

Tbd Cliffs Drive Unit 6, Bay Harbor

3 Beds 5 Baths 2,336 SqFt Residential MLS® # 476890

$1,999,000

Tbd Cliffs Drive Unit 1, Bay Harbor

3 Beds 5 Baths 2,336 SqFt Residential MLS® # 476885

$1,975,000

824 Vista Drive, Bay Harbor

3 Beds 4 Baths 2,053 SqFt Residential MLS® # 476687

$1,850,000

3232 Cliffs Drive, Bay Harbor

3 Beds 3 Baths 3,164 SqFt Residential MLS® # 477034

$1,475,000

↓ $120,000

4200 Main Street 1 And G-13, Bay Harbor

2 Beds 3 Baths 2,175 SqFt Residential MLS® # 475712

$1,190,000

6092 Quarry Ridge Drive, Bay Harbor

5 Beds 5 Baths 3,787 SqFt Residential MLS® # 476808

$840,000

6069 Hills Cottage Ct. 5, Bay Harbor

4 Beds 4 Baths 2,756 SqFt Residential MLS® # 476821

$559,900

↓ $179,100

4200 Main Street 210/211, Bay Harbor

2 Beds 3 Baths 1,544 SqFt Residential MLS® # 476616

$454,900

4200 Main 304 - 305, Bay Harbor

1 Bed 2 Baths 1,243 SqFt Residential MLS® # 475196

$435,900

4205 Main Street 260/261, Bay Harbor

1 Bed 2 Baths 934 SqFt Residential MLS® # 476959

$209,000

790 Front Street 3, Bay Harbor

0 Beds 1 Bath 158 SqFt Residential MLS® # 473841

Bay Harbor, MI Condominiums for Sale – 17 Stunning Listings & Smart Buyer Tips

Discover the best Bay Harbor, MI Condominiums for Sale with expert tips, pricing insights, and top neighborhoods. Find your perfect condo today!

Introduction to Bay Harbor, Michigan

Nestled along the shores of Lake Michigan’s Little Traverse Bay, Bay Harbor is a gem of Northern Michigan, known for its upscale living, pristine waters, and luxurious marina lifestyle. Established in the late 1990s from the remnants of an old limestone quarry, Bay Harbor has quickly grown into one of the premier residential resort destinations in the Midwest.

The village boasts over five miles of Lake Michigan shoreline, high-end boutiques, world-class golf courses, and gourmet dining options. Whether you’re a retiree seeking tranquility, a vacationer in search of lake views, or an investor scouting for premium properties, Bay Harbor has it all.

From charming condos overlooking the water to gated communities lined with pines and fairways, this is a haven for sophisticated buyers.

Why Choose a Condominium in Bay Harbor?

Low Maintenance Living

One of the primary advantages of purchasing a condo in Bay Harbor is the convenience factor. Say goodbye to yard work, exterior repairs, and snow shoveling—these are typically covered by your Homeowners Association (HOA). This makes it especially ideal for seasonal residents or retirees who prefer a "lock and leave" lifestyle.

Access to Marina and Golf Courses

Many condominiums in Bay Harbor are strategically located near the marina or one of the three celebrated golf courses: The Links, The Quarry, and The Preserve. Living in a condo gives you instant access to boating, sailing, and golfing without having to leave the community.

Exclusive Community Perks

Living in a Bay Harbor condo often means enjoying resort-style amenities such as private beach access, spa services, wellness centers, and fine dining—all within walking distance.

Bay Harbor Real Estate Market Trends (2025)

Average Price Range for Condos

As of early 2025, the average price for a condominium in Bay Harbor, MI ranges between $600,000 to $1.5 million, depending on the size, view, and amenities. Waterfront units command a premium.

Demand Forecast

Real estate demand in Bay Harbor continues to grow, driven by both retiring Baby Boomers and younger professionals seeking luxury vacation homes. With inventory limited, competitive bidding has become common.

Seasonal Buying Patterns

Spring and early summer are typically the hottest times for condo sales in Bay Harbor. Listings tend to dwindle during winter months, making early planning key.

Types of Condominiums Available

Waterfront Condos

These high-demand properties offer panoramic views of Lake Michigan and direct access to the marina. Perfect for boaters and those wanting to wake up to lakeside sunrises.

Golf Course View Units

Enjoy watching a peaceful game of golf from your balcony. These units are quieter and often a bit more affordable than lakefront properties.

Luxury Penthouses vs. Budget Options

Bay Harbor caters to a wide spectrum of buyers. From penthouses with private elevators to cozy one-bedroom units, there’s something for every lifestyle and budget.

Top Neighborhoods for Condo Living

The Village at Bay Harbor

Considered the heart of the community, The Village features charming cobblestone streets, boutique shops, restaurants, and stunning waterfront condos. It's ideal for those who want to be at the center of the action with easy access to everything.

Lakeshore Village

Positioned along the Lake Michigan shoreline, Lakeshore Village offers upscale condominiums with uninterrupted lake views, walking trails, and peaceful surroundings. It's perfect for buyers who prioritize scenic tranquility.

The Cliffs

Perched on elevated terrain, The Cliffs offers dramatic views of the bay and spacious condo layouts. These residences cater to buyers looking for a private, serene retreat with a bit of elevation and exclusivity.

Quarry Bluffs

This area provides a blend of rugged natural beauty and architectural refinement. Many of the condos here overlook the former limestone quarry, now transformed into a scenic lake and golf course landscape.

Notable Condominium Developments

Bay Harbor Yacht Club Residences

These prestigious condos offer exclusive access to one of Michigan’s most luxurious yacht clubs. Members enjoy private dining, a full-service marina, swimming pools, and a social calendar filled with elite events.

Cliffs at Bay Harbor

This development is known for its elevated positioning and panoramic lake views. Units here typically feature open-concept living, high-end finishes, and expansive terraces.

Shores Condominiums

Located near the shoreline, Shores units offer direct access to beaches, parks, and paved walking paths. These are family-friendly and great for long-term living or seasonal escapes.

Features and Amenities Buyers Love

Bay Harbor condominiums are designed for luxury, convenience, and modern living. Popular features include:

• Smart home integrations (lighting, security, climate control)

• Private balconies or patios with waterfront views

• Fireplaces and in-unit laundry rooms

• Heated garages and storage lockers

• Resort-style pools, fitness centers, and spas

• Concierge services in some upscale developments

These features not only boost comfort but also increase property value and rental appeal.

Average HOA Fees and What They Cover

Typical Monthly Costs

HOA fees in Bay Harbor range from $400 to $1,200 per month, depending on the property size and amenities. Higher-end condos with more features naturally come with steeper fees.

What’s Included

Most HOA packages include:

• Exterior maintenance and landscaping

• Snow removal and road maintenance

• Trash collection and recycling

• Security services

• Access to common amenities like pools, clubhouses, and gyms

Understanding the HOA structure is essential for budgeting accurately.

Step-by-Step Buying Process for Condos

1. Get Pre-Approved for a Mortgage

Start with a pre-approval letter from a lender to understand your buying power. This also shows sellers you're a serious buyer.

2. Partner with a Local Real Estate Agent

Choose an agent familiar with Bay Harbor’s unique market. They can provide access to off-market listings and insider knowledge.

3. Search and Tour Condos

Visit multiple units to compare layouts, views, and amenities. Consider factors like proximity to the marina or golf course.

4. Conduct a Home Inspection

Don’t skip the inspection—even for a condo. Focus on HVAC systems, electrical, plumbing, and any signs of moisture intrusion.

5. Review the Condo Association Documents

Carefully examine rules, bylaws, meeting minutes, and financials to ensure stability and alignment with your lifestyle.

6. Close the Deal

Once everything checks out, finalize the paperwork, transfer funds, and get the keys to your new home!

Tips for First-Time Buyers

• Understand condo bylaws and restrictions (e.g., pet limits, short-term rental rules).

• Think long-term: Consider resale value and future development plans.

• Visit during different times of the day to assess noise levels and traffic.

• Get a copy of the reserve fund study to ensure the building is financially healthy.

• Talk to residents to gain insight into the community’s vibe and management quality.

Renting Out Your Bay Harbor Condo

Short-Term Rental Rules

Bay Harbor does allow some short-term rentals, but regulations vary by condo association. Some have minimum stay requirements or require permits.

ROI Expectations

Depending on the season, lakefront units can yield $2,000–$5,000 per week in peak summer months. Off-season rates are lower but still viable.

Property Management Services

Many local firms offer turnkey solutions for out-of-town owners, including cleaning, key handling, and guest communication.

Comparing Condos to Other Bay Harbor Properties

Bay Harbor Lifestyle Perks

Boating & Sailing Culture

Bay Harbor is synonymous with upscale nautical living. With a world-class marina that accommodates yachts and sailboats, residents enjoy seamless access to Lake Michigan’s open waters. Whether you're into weekend cruises, fishing trips, or sunset sailing, the boating lifestyle here is unmatched in Northern Michigan.

Community Events

The town hosts a vibrant lineup of community events year-round, including:

• Vintage Car & Boat Festivals

• Art Fairs and Outdoor Concerts

• Wine Tastings and Culinary Events

These events foster a strong sense of community and attract visitors from across the state.

Dining and Nightlife

From waterfront fine dining at Knot Just a Bar to casual cafes and wine bars, Bay Harbor offers something for every palate. Nightlife is cozy and elegant, with many establishments offering live music and lakeside views.

Financing Options for Condominium Buyers

Mortgage Types Available

Buyers have access to several financing options including:

• Conventional Mortgages

• FHA Loans (select condos must be FHA-approved)

• Jumbo Loans (for high-value condos over $726,200)

• Adjustable-Rate Mortgages (ARMs)

Local Lender Recommendations

Working with a Northern Michigan-based lender ensures familiarity with local market dynamics and potential HOA nuances. Institutions like Honor Bank and Independent Bank are popular choices.

First-Time Buyer Loans

Qualified first-time buyers may benefit from Michigan State Housing Development Authority (MSHDA) programs, which offer down payment assistance and favorable interest rates.

Legal Considerations and Condo Bylaws

Understanding Covenants and Restrictions

Every condominium association in Bay Harbor has its own set of bylaws and covenants. These may cover:

• Rental limitations

• Renovation rules

• Noise ordinances

• Pet policies

Careful review of these documents is essential to avoid future conflicts.

HOA Meeting Participation

Owners are usually entitled to attend and vote in annual HOA meetings. Being active in these meetings can help you stay informed about upcoming repairs, budget changes, and policy updates.

Future Developments and Investment Potential

Upcoming Condo Projects

Several new luxury condominium projects are on the horizon, especially near the Quarry Bluffs and Marina District. These developments often feature eco-conscious design and modern architecture.

Long-Term Real Estate Growth Outlook

Bay Harbor's real estate market has shown consistent growth over the past decade, driven by its exclusivity and limited buildable land. Experts predict steady appreciation, making it a strong long-term investment for both seasonal and permanent residents.

How to Work with a Real Estate Agent in Bay Harbor

Selecting the Right Agent

Look for agents who:

• Specialize in luxury waterfront and condo properties

• Are familiar with HOA regulations and seasonal buying cycles

• Have access to off-market listings

Key Questions to Ask

• What are the current condo inventory levels?

• How often do units in my price range become available?

• Can you help me understand the HOA documents?

Agent Commission Structure

Most real estate agents in Bay Harbor operate on a standard 5-6% commission, typically split between the buyer’s and seller’s agents. However, commissions can be negotiated, especially in high-end transactions.

Need Help Finding the Perfect Condo?

When it comes to luxury real estate in Bay Harbor, Northern Michigan Escapes is a trusted local expert. Whether you're searching for a lakefront condominium, seasonal rental management, or long-term investment advice, their team offers full-service real estate support tailored to your needs. With deep knowledge of the Bay Harbor market and a stellar reputation, they make finding your dream condo simple and stress-free.

Conclusion & Final Advice

Buying a condo in Bay Harbor, MI is more than a transaction—it’s an entry into a lakeside lifestyle full of beauty, convenience, and opportunity. Whether you're a retiree seeking peace, a family desiring a vacation base, or an investor looking for solid returns, the Bay Harbor condominium market offers a perfect fit.

Top tips:

• Start your search early, especially for waterfront units.

• Partner with a knowledgeable local agent.

• Be diligent about reviewing HOA rules and budgeting for fees.

Now’s the time to turn your dream of lakeside living into reality!

FAQs about Bay Harbor, MI Condominiums for Sale

1. Are there pet-friendly condos in Bay Harbor, MI?

A. Yes, many condo associations allow pets, though there may be restrictions on breed, size, and number. Always check the specific HOA bylaws before purchasing.

2. What is the average cost of a waterfront condo in Bay Harbor?

A. As of 2025, waterfront condos in Bay Harbor range between $800,000 and $1.5 million, depending on size, amenities, and location.

3. Can I rent out my Bay Harbor condo as a vacation rental?

A. Some condos allow short-term rentals, while others prohibit them. It varies by association, so check the rules and consult with a local property manager.

4. How high are HOA fees in Bay Harbor?

A. HOA fees typically range from $400 to $1,200 per month, depending on the building and included services like maintenance, amenities, and security.

5. What’s the best time of year to buy a condo in Bay Harbor?

A. Spring and early summer are peak listing seasons. However, buyers may find better deals in late fall when competition is lower.

6. Do I need a special insurance policy for a condo in Bay Harbor?

A. Yes. While the HOA typically covers the building’s exterior, you’ll need an HO-6 insurance policy for your unit’s interior and personal belongings.

Check out this video for a look at the Bay Habor Community or read on to learn more about Condominium Lifestyle Homes for Sale. 

Check out this video for a look at the condominium lifestyle, or click here to learn more about the Condominium Lifestyle Homes for Sale. 

Explore homes in the condominium lifestyle communities below or contact Brook Walsh to help with your search. You can also reach Brook by phone at (231) 459-3179 for all of your Northern Michigan real estate needs.