Discover Harborage Bay Condominiums in Boyne City, MI Today!

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Harborage Bay

Harborage Bay is a premier lakeside condominium community nestled on the shores of Lake Charlevoix in Boyne City, Michigan. Known for its breathtaking waterfront views and serene natural surroundings, this community offers a perfect blend of luxury, comfort, and outdoor recreation. Residents enjoy access to private boat docks, beautifully maintained grounds, and a range of upscale amenities including a swimming pool, tennis courts, fitness center, and clubhouse. With its close proximity to downtown Boyne City’s shops, dining, and cultural events, Harborage Bay provides an exceptional lifestyle for those seeking a peaceful retreat or an active year-round residence in Northern Michigan’s most sought-after location.

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Harborage Bay Condominiums for Sale in Boyne City, MI | Ultimate Lakeside Lifestyle + 27 Insights

Introduction to Harborage Bay Living

Tucked along the pristine shoreline of Lake Charlevoix in Boyne City, Michigan, Harborage Bay Condominiums offer a harmonious blend of luxury, location, and lifestyle. Whether you’re searching for a peaceful lakeside retreat or a savvy investment opportunity, this community ticks every box.

Boyne City is renowned for its small-town charm paired with upscale amenities. And Harborage Bay? It's the crown jewel — where homeowners enjoy front-row seats to water views, unbeatable access to year-round recreation, and the convenience of nearby downtown attractions.

What Makes Harborage Bay Stand Out

What separates Harborage Bay from other condominium developments is more than its lakefront location — it’s the thoughtful planning, upscale amenities, and close-knit community atmosphere. From the moment you enter the beautifully maintained grounds, you’ll feel a sense of peace and privacy.

• Lake Charlevoix frontage with panoramic views

• Private marina and dock access

• Premium units with top-tier finishes

• Proximity to dining, shopping, and recreation

Prime Location in Boyne City, Michigan

Lake Charlevoix: Your Backyard Playground

Lake Charlevoix, one of Michigan’s largest and most beautiful inland lakes, offers 17,200 acres of sparkling freshwater. Boating, kayaking, swimming, or simply lounging lakeside — here, the lake life is truly part of daily living.

Proximity to Downtown Boyne City

Just minutes from Harborage Bay, downtown Boyne City buzzes with farmer’s markets, seasonal festivals, quaint cafés, and boutique shops. Grab a morning coffee, enjoy lakeside dining, or take in a summer concert — all without leaving your neighborhood.

Accessibility to Petoskey, Charlevoix, and Bay Harbor

Residents can also take scenic drives to nearby Petoskey, Charlevoix, and Bay Harbor, each with its own unique charm and attractions — including upscale shopping, art galleries, and world-class golf.

Real Estate Market Overview

Recent Sales and Market Trends

Over the last two years, Harborage Bay condos have consistently held their value. Units have appreciated thanks to high demand and limited inventory. As of 2025, the average price ranges from $500,000 to $900,000, depending on size, location, and upgrades.

Investment Potential and ROI

With strong short-term rental appeal, particularly in summer and winter months, many owners are seeing positive returns. Units with boat slips and lake views tend to fetch premium prices on rental platforms.

Appreciation Rates in the Area

Boyne City real estate has appreciated steadily — up to 7% year-over-year in some segments — especially for waterfront properties. Harborage Bay, in particular, offers consistent growth thanks to its desirable location and exclusivity.

Floor Plans and Layout Options

One-Bedroom Units

Ideal for couples or solo buyers, these cozy units pack functionality and charm. Expect open-concept kitchens, large windows, and balconies overlooking the marina.

Two-Bedroom Units

Perfect for small families or guests, two-bedroom condos feature master suites with ensuite baths, guest rooms, and often dual balconies to soak in the sunrise and sunset.

Three-Bedroom Layouts

Designed with space in mind, these units include expanded living areas, fireplaces, and updated kitchens — ideal for entertaining or hosting visitors.

Penthouse Units and Views

At the top of the price bracket are the penthouse condos, which include vaulted ceilings, panoramic water views, and multiple decks. It’s luxury lakeside living at its finest.

Amenities That Elevate Your Lifestyle

Private Marina and Boat Slips

Residents enjoy direct lake access via the private marina. Many units include deeded boat slips, eliminating the hassle of public launches or slip rentals.

Swimming Pool, Hot Tub, and Sauna

Relaxation is built-in, with a heated outdoor pool, hot tub, and sauna available for owner use — perfect after a day on the water or ski slopes.

Tennis Courts and Fitness Facilities

Stay active year-round with well-maintained tennis courts and an onsite fitness center, all just steps from your door.

Clubhouse and Social Events

The clubhouse hosts community get-togethers, making it easy to meet neighbors or enjoy private events with guests.

Interior Features and Finishes

Gourmet Kitchens and Open Concepts

Expect granite countertops, stainless steel appliances, center islands, and pantry space — everything today’s buyers want in a modern kitchen.

Luxury Bathrooms and Spa-Like Touches

Many condos feature double vanities, walk-in showers, jacuzzi tubs, and heated floors — creating a spa experience right at home.

Smart Home Features and Upgrades

Newer units or remodeled condos often include smart thermostats, security systems, and automated lighting to offer high-tech convenience.

HOA Fees and What’s Included

Maintenance, Landscaping, and Snow Removal

Harborage Bay’s Homeowners Association (HOA) covers full grounds maintenance, landscaping, irrigation, and snow removal — offering peace of mind year-round.

Utility and Insurance Coverage

HOA dues often include water, sewer, trash removal, and some building insurance, though individual policies may still be required for personal property.

Lifestyle and Recreation Nearby

Living at Harborage Bay isn’t just about owning a luxury condo — it’s about embracing the Northern Michigan lifestyle. Whether you're into adrenaline-filled sports or quiet lakeside afternoons, this area has something for everyone.

Golfing at Boyne Mountain and Beyond

Golfers rejoice! You’re minutes away from the Boyne Mountain Golf Courses, including The Alpine and The Monument — two of the most scenic courses in Michigan. Other world-class golf destinations like Bay Harbor Golf Club and Crooked Tree Golf Club are just a short drive away.

• Championship-level greens

• Panoramic lake and mountain views

• On-site pro shops and dining

Skiing, Hiking, and Outdoor Adventures

When the snow falls, Harborage Bay becomes a winter wonderland. Located just 15 minutes from Boyne Mountain Resort, residents enjoy easy access to skiing, snowboarding, and tubing.

• Over 60 ski runs

• Night skiing and terrain parks

• Ziplining and snowshoe trails

During the warmer months, hiking and biking trails surround the area, from Avalanche Preserve to Young State Park. Paddleboarding, fishing, and beach lounging? All available right in your backyard.

Local Wineries, Breweries, and Dining Hotspots

Boyne City is home to a vibrant food and beverage scene. From lakeside dining at Café Santé to wine tasting at Walloon Lake Winery, your evenings can be as relaxed or refined as you wish.

• Weekly farmers markets

• Craft breweries like Stiggs Brewery & Kitchen

• Fine dining and casual cafés alike

A Major Benefit of Living in Boyne City, Michigan is the Proximity to Lake Charlevoix - Check Out the Video

Buying Process and What to Expect

Navigating the buying process at Harborage Bay is smooth with the right local expert. Here's how it works:

Working With a Local Expert

With deep knowledge of the Northern Michigan market, Brook Walsh can guide you through every step — from initial showings to closing day.

• In-depth market analysis

• Personalized showings

• Offer negotiations and closing coordination

Financing Options and Pre-Approval

Getting pre-approved is key in this competitive market. Many buyers opt for local banks or credit unions that specialize in second homes and vacation property loans.

Closing Costs and Timeline

Closing typically occurs within 30–45 days of offer acceptance. Expect costs such as:

• Title insurance

• Property inspections

• Escrow and recording fees

Testimonials from Current Owners

Real Experiences of Lakeside Living

“Harborage Bay is a dream come true. We wake up to sunrises over Lake Charlevoix, and every day feels like vacation.”
– Jennifer H., Owner since 2021

Why They Chose Harborage Bay

“The community is quiet, beautifully maintained, and you can walk to downtown Boyne. It’s our favorite place on earth.”
– Dan & Laura R., Full-Time Residents

Rental Opportunities and Income Potential

Many owners at Harborage Bay take advantage of vacation rental income, especially during peak summer months and ski season.

Vacation Rental Demand in Boyne City

Boyne City is a year-round tourist destination, making it ideal for Airbnb and VRBO-style rentals. Demand spikes during festivals, Fourth of July, and ski season.

• Weekly rates: $2,500–$4,500 for 2-3 bedroom units

• High occupancy in July–August and Dec–Feb

• Great ROI with minimal vacancies

Long-Term Leasing Considerations

Longer leases are possible, though HOA rules may limit rental length. Always review regulations or contact the association before marketing your unit.

Comparable Communities in the Area

While Harborage Bay stands out, it’s helpful to compare options when making a major investment.

Harborage Pointe vs. Harborage Bay

Harborage Pointe offers similar lakefront access but lacks the full amenity suite found at Harborage Bay.

• Fewer boat slips

• Less rental activity

• More traditional layout designs

Lake Charlevoix Condos vs. Downtown Flats

Condos directly on Lake Charlevoix are in high demand but may not offer the turnkey lifestyle and HOA conveniences of Harborage Bay.

Downtown flats offer walkability but sacrifice lake access — Harborage Bay offers the best of both.

Frequently Asked Questions

Q. What is the average price range for units?

A. Most condos range from $500,000 to $900,000, depending on size, view, and upgrades.

Q. Are pets allowed at Harborage Bay?

A. Yes, pets are welcome, but size and breed restrictions may apply.

Q. Is short-term rental permitted?

A. Yes, short-term rentals are allowed, though owners must comply with city ordinances and HOA guidelines.

Q. What are the average HOA fees?

A. Fees typically range between $350–$600/month, covering maintenance, landscaping, and some utilities.

Q. How close is the beach/lake access?

A. It’s steps from your door — many units have private walkways to the shore and docks.

Q. Are boat slips included with every unit?

A. Some units come with deeded boat slips, while others offer rental access through the marina association.

Conclusion and Final Thoughts

There’s no denying it — Harborage Bay Condominiums in Boyne City, MI, offer an unparalleled lakeside lifestyle. With modern finishes, prime location, top-notch amenities, and investment potential, these condos are more than just homes — they’re an invitation to live the dream.

If you’re considering a home on Lake Charlevoix, don’t wait too long — inventory is limited, and demand is high.

Schedule a Private Tour Today

Interested in experiencing Harborage Bay for yourself? Schedule a showing with local expert Brook Walsh.

BrookWalsh.com – Your Northern Michigan Real Estate Source
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