Ellsworth, MI Waterfront Homes for Sale

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Ellsworth, Michigan

Nestled along the pristine shores of northern Michigan’s Chain of Lakes, Ellsworth offers an idyllic setting for waterfront living. This peaceful village in Antrim County boasts crystal-clear lakes, lush woodlands, and a welcoming small-town atmosphere. Waterfront homes in Ellsworth feature private docks, panoramic lake views, and direct access to recreational activities like boating, kayaking, and fishing. Whether you're seeking a cozy cabin, a luxury lakefront estate, or a seasonal retreat, Ellsworth provides a unique blend of serenity and natural beauty. It’s a perfect place for year-round living or investing in a vacation getaway—just a short drive from Charlevoix and Torch Lake.

Real Estate Statistics

Average Price	$368K
Lowest Price	$64.5K
Highest Price	$690K
Total Listings	7
Avg. Days On Market	48
Avg. Price/SQFT	$294

Property Types (active listings)

Browse Ellsworth Waterfront Homes for Sale

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$689,500

↓ $95,500

9690 Lake Street, Ellsworth

4 Beds 3 Baths 3,160 SqFt Residential MLS® # 476411

$669,500

$220,000

0 Tipperary Lane, Ellsworth

0 Beds 0 Baths 0 SqFt Land MLS® # 1914698

$189,900

11a Rolling Ridge Drive, Ellsworth

0 Beds 0 Baths 0 SqFt Land MLS® # 476230

New

$64,500

V/l Kilkenny Lane, Ellsworth

0 Beds 0 Baths 0 SqFt Land MLS® # 1934760

Top-Rated Ellsworth, MI Waterfront Homes for Sale in 2025

Discover the best Ellsworth, MI waterfront homes for sale. Learn about lakeside living, property types, and expert buying tips in this complete 2025 guide.

Nestled in the heart of Northern Michigan, Ellsworth, MI waterfront homes for sale are attracting more attention than ever before. Known for its serene beauty, crystal-clear lakes, and tight-knit community, Ellsworth offers the perfect backdrop for lakefront living. Whether you're searching for a cozy cabin, a summer vacation spot, or a luxury estate, this charming village has something for everyone.

Introduction to Ellsworth, Michigan

Tucked into Antrim County, Ellsworth is a small but vibrant village surrounded by natural beauty and part of the famous Chain of Lakes. With fewer than 400 residents, it offers a peaceful and welcoming lifestyle—ideal for retirees, families, and vacation homeowners alike. Yet, despite its size, Ellsworth delivers big on outdoor recreation, culture, and, of course, premium waterfront real estate.

Why Choose Waterfront Living in Ellsworth, MI?

The Charm of Northern Michigan’s Inland Lakes

Ellsworth is uniquely positioned along a series of connected inland lakes, including Ellsworth Lake, Wilson Lake, and St. Clair Lake. These pristine bodies of water are perfect for fishing, kayaking, paddleboarding, and simply relaxing with a sunset view.

Boaters can explore miles of navigable waterways through the Chain of Lakes, enjoying wildlife sightings and tranquil settings along the way. It’s the perfect blend of adventure and calm.

Small-Town Tranquility with Big-Time Appeal

Living here means experiencing all four seasons in their full glory. Fall colors, winter snowshoeing, spring blossoms, and summer barbecues are just part of life. Plus, the community hosts local events like the Ellsworth Pig Roast and weekly farmers markets that bring residents together.

You'll find that Ellsworth is more than just a place—it's a way of life.

Types of Waterfront Properties Available

Whether you're after a rustic retreat or a fully furnished luxury home, Ellsworth offers a diverse real estate market for every kind of buyer.

Ellsworth Lake Homes

Ellsworth Lake is known for its quiet waters and private docks. Homes here often feature large porches, lake-facing windows, and cozy fireplaces. It's a prime location for those looking to unplug and enjoy nature’s rhythms.

Wilson Lake Waterfront Properties

Wilson Lake homes are slightly larger and attract buyers interested in boating and year-round living. Many properties come with acreage, walk-out basements, and stunning waterfront views. This area has become especially popular with remote workers seeking a scenic escape.

Check out this video for a look at the Waterfront Lifestyle

Real Estate Market Trends in Ellsworth, MI (2025)

As of 2025, the Ellsworth real estate market remains strong and competitive—especially for waterfront homes.

Median Price for Waterfront Homes

Current listings suggest that lakefront homes in Ellsworth range from $350,000 to $1.2 million, depending on the lake, lot size, and amenities. Inventory remains limited, pushing demand higher.

Appreciation & Value Forecasts

Real estate experts predict continued appreciation over the next 3-5 years due to the region’s growing popularity and the limited number of available waterfront lots. For those considering long-term investments, Ellsworth is proving to be a smart choice.

Steps to Buying a Waterfront Home in Ellsworth

Work with a Local Waterfront Specialist

Navigating the Ellsworth waterfront real estate market requires expertise—and that's where Brook Walsh comes in. As a trusted local waterfront specialist, Brook offers:

Exclusive listings of luxury and waterfront homes in Ellsworth and surrounding areas
Personalized guidance tailored to lakefront property nuances
Experience with both primary residences and investment properties

Whether you’re buying a cozy cottage or a luxury estate, Brook Walsh ensures a smooth, informed process from start to finish. Work with a local who knows the lakes—work with Brook Walsh.

Inspections and Waterfront Regulations

Before closing on a home, ensure a proper inspection covers the seawall, shoreline erosion, septic systems, and well water quality. Zoning rules may also affect how close structures can be built to the water.

Financing Options for Waterfront Properties

Financing a waterfront home can differ from purchasing a standard residential property, especially in rural areas like Ellsworth.

Local and Regional Lenders: Many buyers prefer working with local credit unions or banks familiar with the area. These lenders understand seasonal income variations, well and septic systems, and other unique property features.
Government Loan Programs: FHA and USDA loans may be available for eligible buyers, particularly if the property is a primary residence.
Luxury Loan Packages: For higher-end lakefront properties, jumbo loans or portfolio lending options might be required due to higher price points.
Pre-Approval Is Key: Because inventory is tight, getting pre-approved helps buyers move fast when the right property becomes available.

Living the Waterfront Lifestyle Year-Round

Ellsworth isn’t just a summer getaway—many residents enjoy lake life in every season.

Spring and Summer: Boating, fishing, swimming, and bonfires by the lake.
Fall: Stunning foliage around the lakes attracts photographers and hikers.
Winter: Ice fishing, cross-country skiing, and snowmobiling take center stage.

To make the most of it, buyers should prepare for seasonal maintenance like dock removal, snow clearing, and winterizing plumbing if the home isn’t used year-round.

Top Neighborhoods and Lakes in Ellsworth for Buyers

While Ellsworth is small, certain lakes and neighborhoods stand out for real estate investments:

Ellsworth Lake Area: Popular for smaller cottages and quiet living.
Wilson Lake Shores: Offers luxury homes and great boating access.
Six-Mile Lake Area: Slightly outside the village, perfect for secluded properties and larger land parcels.
Lake Michigan Access: Though technically outside Ellsworth proper, homes with Lake Michigan views are a premium attraction.

Each neighborhood has its own personality—some bustling with community life, others perfect for those seeking complete solitude.

Tips for Out-of-State Buyers Interested in Ellsworth

If you're considering a move from another state, you're not alone. Out-of-state buyers make up a growing portion of the Ellsworth market. Here are a few pointers:

Schedule Virtual Tours: Many realtors now offer video walk-throughs and drone footage for remote viewings.
Visit During Multiple Seasons: If possible, experience both summer and winter to ensure you enjoy the year-round vibe.
Understand Local Tax Laws: Michigan's property tax laws vary by residency and local millage rates.
Hire a Waterfront Appraiser: Regular appraisers may miss value-adding features like boat lifts, shorelines, or docks.

Vacation Rentals & Income Potential

Ellsworth is a hidden gem when it comes to short-term rental potential.

Peak Rental Season: May through September sees the highest occupancy rates.
Weekly Rental Income: Waterfront homes in Ellsworth can earn between $1,500 and $4,000 per week, depending on amenities.
Vacation Rental Platforms: Sites like Airbnb and VRBO are commonly used for marketing.
Local Regulations: Be sure to check zoning laws and short-term rental ordinances—some areas require permits or restrict rental days per year.

Investing in a rental property can offset mortgage payments while still allowing you to enjoy the home part-time.

Partner With Northern Michigan Escapes for Expert Guidance

When it comes to buying, renting, or managing waterfront homes in Ellsworth, few do it better than Northern Michigan Escapes. This trusted, locally-based real estate and property management company specializes in lakefront living throughout Northern Michigan—including the hidden gems of Ellsworth.

Buy With Confidence: Their expert agents understand the nuances of waterfront zoning, investment potential, and property maintenance.
Vacation Rental Management: Northern Michigan Escapes also offers full-service vacation rental management, making it easy to turn your home into a high-earning short-term rental.
Local Knowledge: With deep roots in the region, they can help you find the best lakes, neighborhoods, and even hidden listings before they hit the market.

Whether you're searching for a quiet weekend escape or a profitable lakefront investment, Northern Michigan Escapes can help you make the most of your opportunity in Ellsworth.

FAQs About Ellsworth, MI Waterfront Homes for Sale

1. How much does a typical waterfront home cost in Ellsworth, MI?
A. Waterfront homes usually range from $350,000 to $1.2 million, depending on size, location, and features.

2. Are there financing options specific to lakefront homes?
A. Yes. Jumbo loans, local banks, and portfolio lenders are common. Government programs may also apply for certain buyers.

3. Can I use a waterfront home in Ellsworth as a vacation rental?
A. Absolutely. Many homes in the area generate strong rental income, especially during peak summer months.

4. What lakes are most desirable in Ellsworth for real estate?
A. Top choices include Ellsworth Lake, Wilson Lake, and the Six-Mile Lake area for their views, boating access, and tranquility.

5. Is it possible to live year-round in a lakefront home?
A. Yes. Many homes are fully insulated and equipped for year-round living. Winter sports and seasonal events make Ellsworth appealing year-round.

6. Are there property taxes or special waterfront fees?
A. Property taxes vary based on location and home value. Waterfront properties may also have maintenance responsibilities for shoreline upkeep or docks.

Conclusion: Find Your Perfect Waterfront Property

Whether you're looking for a weekend getaway, a retirement dream home, or a profitable vacation rental, Ellsworth, MI waterfront homes for sale offer unparalleled charm and opportunity. From its serene lake shores to its welcoming community spirit, Ellsworth is more than just a location—it’s a lifestyle.

With expert guidance, careful planning, and a bit of lake-loving spirit, you can soon be waking up to the soothing sounds of waves lapping at your own backyard.

Eager to learn more about Ellsworth, 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.

Explore the Best Waterfront Homes for Sale in Ellsworth, MI