Explore Stunning Waterfront Homes for Sale in Central Lake, MI

^{Waterfront Lifestyle}

Central Lake, Michigan

The favorite color in Northern Michigan is Deep Blue. The atmosphere is nautical, the attitude easygoing, Lake Michigan, Inland Lakes, and streams await. Whatever water recreation you want, Northern Michigan has it. Our lakes are perfect for swimming, jet skiing, paddle boarding, or sailing, clear rivers are ideal for fishing or kayaking; and pristine beaches invite you to hunt Petoskey stones, make sandcastles, or simply catch some rays.

Continue reading to see all of the Waterfront lifestyle homes and lots for sale in Central Lake, Michigan.

Real Estate Statistics

Average Price	$1.3M
Lowest Price	$400K
Highest Price	$3.5M
Total Listings	14
Avg. Days On Market	24
Avg. Price/SQFT	$461

Property Types (active listings)

Browse Central Lake Waterfront Homes for Sale

• All Listings
• $300,000 - $400,000
• $400,000 - $500,000
• $600,000 - $700,000
• $700,000 - $800,000
• $800,000 - $900,000
• Over $1,000,000

Bedrooms

Bathrooms

Price Range

Save Search

Sort by:

Price, high to low

$3,500,000

10870 Torchlight Lane, Central Lake

10 Beds 7 Baths 4,978 SqFt RESIDENTIAL MLS® # 475841

$3,500,000

10870 Torchlight Lane, Central Lake

10 Beds 7 Baths 4,978 SqFt Residential MLS® # 1930983

$1,899,000

4133 N East Torch Lake Drive, Central Lake

4 Beds 3 Baths 2,900 SqFt Residential MLS® # 1932258

$1,290,000

182 S Intermediate Lake Drive, Central Lake

3 Beds 3.5 Baths 2,672 SqFt Residential MLS® # 1933046

$1,290,000

182 S Intermediate Lake Drive, Central Lake

3 Beds 4 Baths 2,672 SqFt RESIDENTIAL MLS® # 476267

$1,200,000

V/l Ne Torch Lake Drive, Central Lake

0 Beds 0 Baths 0 SqFt Land MLS® # 1933051

$1,200,000

V/l Ne Torch Lake Drive, Central Lake

0 Beds 0 Baths 0 SqFt Land MLS® # 476269

$840,000

10828 Torchlight Lane, Central Lake

3 Beds 1 Bath 882 SqFt Residential MLS® # 1933102

$740,000

3487 Rushton Road, Central Lake

4 Beds 4.5 Baths 3,639 SqFt Residential MLS® # 1932980

$644,900

↓ $14,100

4446 Chessie Lane, Central Lake

3 Beds 1.5 Baths 1,112 SqFt Residential MLS® # 1932721

New Pending

$614,900

2589 Rushton Road, Central Lake

6 Beds 3 Baths 2,325 SqFt Residential MLS® # 1933190

$449,500

2515 Rushton Road, Central Lake

4 Beds 3 Baths 2,880 SqFt RESIDENTIAL MLS® # 476228

$449,500

2515 Rushton Road, Central Lake

4 Beds 2.5 Baths 2,880 SqFt Residential MLS® # 1932908

New

$399,900

7723 Mile Point Drive, Central Lake

3 Beds 2 Baths 2,040 SqFt Residential MLS® # 1933614

Central Lake, MI Waterfront Homes for Sale

If you’re dreaming of peaceful mornings by the water, panoramic lake views, and the charm of a close-knit community, then Central Lake, MI waterfront homes for sale might be just what you’re looking for. Nestled in Michigan’s Antrim County, Central Lake is a hidden gem offering beautiful lakeside properties perfect for relaxation, recreation, and real estate investment. Whether you're buying your first vacation home or upgrading to a luxurious year-round residence, this guide covers everything you need to know about waterfront living in Central Lake.

Overview of Central Lake, Michigan

Geography and Climate

Central Lake is part of the scenic Chain of Lakes in Northern Michigan. It’s surrounded by stunning bodies of water like Intermediate Lake, Benway Lake, and Hanley Lake, which makes it a hot spot for waterfront homes. The region enjoys all four seasons, offering snowy winters and warm, activity-filled summers—perfect for those who love the outdoors year-round.

Community and Lifestyle

With a population of just over 1,000 residents, Central Lake offers a tight-knit, welcoming atmosphere. The town features charming boutiques, family-owned restaurants, and seasonal farmers markets. The community celebrates events like the Central Lake SummerFest and the Fourth of July parade, adding to its appeal as a small-town paradise with big heart.

Why Buy Waterfront Property in Central Lake?

Lifestyle Benefits

Living on the water comes with perks like morning kayaking, fishing from your dock, and enjoying sunsets over the lake—all from your backyard. It’s a daily retreat that improves quality of life and lowers stress levels.

Investment Potential

Waterfront properties in Central Lake tend to appreciate in value faster than inland homes due to limited inventory and high demand. Additionally, many owners choose to rent their homes as vacation properties, generating significant seasonal income.

Types of Waterfront Homes Available

Lakefront Cabins

Rustic charm meets modern comfort. These are ideal for weekend getaways or seasonal retreats.

Luxury Villas

High-end features like infinity pools, private docks, and spacious decks characterize these upscale properties.

Seasonal Cottages

Compact, cozy, and often affordable, these are perfect for buyers looking to dip their toes into lakefront living.

Year-Round Residences

Equipped for all seasons, these homes come with proper insulation, heating, and often garages and basements.

Top Waterfront Neighborhoods in Central Lake

South Arm Township

Located near the southern edge of Intermediate Lake, this area is a mix of seasonal cottages and luxurious homes.

Intermediate Lake Area

Offers some of the best panoramic lake views and is popular with retirees and families alike.

Downtown Central Lake

Walkable, with easy access to shops and restaurants. Waterfront homes here combine convenience with scenic beauty.

Average Home Prices and Market Trends

Price Ranges by Property Type

Current Real Estate Trends

The Central Lake market has seen steady growth in the past five years. Buyer interest, especially from out-of-state investors and retirees, has increased due to the area’s scenic value and remote working flexibility.

What to Look for in a Waterfront Home

Shoreline Access

Ensure the property provides easy, usable access to the lake. Some homes have steep slopes or rocky shores that can limit water activities.

Boat Docks and Moorings

Check the quality and legality of existing docks. Some lakes require permits for structures in the water.

Privacy and View

A wooded lot may offer more privacy, while open space enhances panoramic lake views. Choose based on your lifestyle preference.

Financing Options for Waterfront Properties

Mortgage Types

• Conventional Loans: Best for buyers with strong credit.

• Jumbo Loans: For properties exceeding $726,200.

• Vacation Home Loans: Tailored for second-home buyers.

Working with Local Lenders

Local banks often understand seasonal market shifts and provide better appraisal estimates for lakefront properties.

Check out this video for a look at the Waterfront Lifestyle

Legal and Zoning Considerations

Lakefront Regulations

Some areas have setbacks that prevent you from building too close to the water. Be sure to review zoning laws.

Short-Term Rental Laws

If you plan to rent your property seasonally, confirm whether the area permits short-term rentals.

Home Inspection Tips for Waterfront Homes

Water Damage Signs

Inspect for mold, wood rot, and water stains—common issues in humid lakeside environments.

Septic and Drainage Systems

Many lake homes use septic systems, which need regular inspection. Good drainage around the home prevents erosion and flooding.

Popular Activities Around Central Lake

• Fishing: Intermediate Lake is stocked with bass, pike, and walleye.

• Boating: Canoeing, kayaking, and motorboating are popular summer pastimes.

• Winter Sports: Snowmobiling, ice fishing, and cross-country skiing dominate in winter months.

Pros and Cons of Living on the Water

Everyday Perks

• Tranquil environment

• Increased property value

• Private access to water sports

Potential Downsides

• Higher maintenance costs

• Insurance premiums

• Seasonal accessibility issues in remote areas

Looking for a Vacation Rental Instead?

If you're not ready to buy but want to experience lakeside living, check out Northern Michigan Escapes. They offer a curated collection of waterfront vacation rentals in Central Lake and surrounding areas—perfect for family getaways, romantic retreats, or solo escapes into nature.

Need Expert Real Estate Help?

Navigating the waterfront real estate market requires local expertise. BrookWalsh.com specializes in luxury homes and lakefront properties throughout Northern Michigan. With deep knowledge of Central Lake and personalized service, Brook Walsh is your go-to resource for finding the perfect property.

The Best Time to Buy a Waterfront Home

Seasonal Buying Trends

Spring and summer are peak seasons but also more competitive. Winter purchases may come with better pricing and negotiation power.

Renovation and Maintenance Advice

• Exterior Upkeep: Use weather-resistant materials for decks and siding.

• Shoreline Protection: Plant native vegetation to prevent erosion and enhance habitat.

Featured Listings: Central Lake, MI Waterfront Homes for Sale

• 3-Bedroom on Intermediate Lake – $525,000 – 1,800 sq ft, private dock, full basement

• Lakeview Villa with Boat Slip – $995,000 – 3,200 sq ft, hot tub, gourmet kitchen

• Rustic Cottage with Sandy Shoreline – $310,000 – 2 bed, 1 bath, seasonal access

Testimonials from Homeowners

“We bought our dream home on Benway Lake last year. The peace and community here are unmatched.”
— The Johnsons, Retirees

“Renting out our lake house during the summer has paid off our mortgage—plus we get to enjoy it in the fall!”
— Alex & Rachel, Investors

FAQ: Central Lake, MI Waterfront Homes for Sale

Q1: Are waterfront homes in Central Lake good for year-round living?
Yes, many homes are fully winterized with modern amenities.

Q2: Is flood insurance required?
In most lake areas, it’s optional but recommended—especially for homes near low-lying shorelines.

Q3: Can I rent out my waterfront home?
Many areas allow it, but check township rules and zoning laws first.

Q4: What’s the difference between lake access and lake frontage?
Lake frontage means your property touches the water; lake access might require a short walk or shared beach.

Q5: How much property maintenance should I expect?
Waterfront homes require more maintenance—especially docks, landscaping, and outdoor structures.

Q6: Do homes come with private docks?
Many do, but not all. Always confirm whether the dock is included and legal.

Conclusion: Make the Move to Waterfront Living

Living in Central Lake, MI, means waking up to nature’s beauty every day. With a range of home styles, welcoming communities, and endless outdoor adventures, Central Lake, MI waterfront homes for sale offer the perfect blend of serenity and value. Whether you're an investor or a family seeking your dream home, now is the time to explore what this charming lake town has to offer.

Eager to learn more about Central Lake, Michigan waterfront homes for sale? Connect with Brook Walsh today! We'll be happy to help you through every step of the Northern Michigan lifestyle real estate process.