Roscommon, MI Waterfront Homes for Sale

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Roscommon, Michigan

Nestled in the heart of Northern Michigan, Roscommon offers a peaceful and picturesque setting that draws nature lovers, retirees, and vacation homeowners alike. The community is surrounded by some of Michigan’s most scenic lakes, including Higgins Lake, Houghton Lake, and the Au Sable River—each providing stunning opportunities for year-round waterfront living.

Roscommon’s waterfront neighborhoods are known for their friendly atmosphere, well-kept properties, and easy access to recreational activities such as boating, fishing, kayaking, and swimming. Whether you're looking for a luxurious lakefront estate, a cozy riverside cabin, or a seasonal retreat, the variety of homes for sale here suits every lifestyle and budget.

Real Estate Statistics

Average Price	$516K
Lowest Price	$170K
Highest Price	$1.5M
Total Listings	20
Avg. Days On Market	62
Avg. Price/SQFT	$347

Property Types (active listings)

Browse Roscommon Waterfront Homes for Sale

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Pending

$1,495,000

$995,000

23 Treasure Island, Roscommon

3 Beds 2 Baths 1,600 SqFt Residential MLS® # 201835872

$899,900

41 Treasure Island Boulevard, Roscommon

3 Beds 2 Baths 1,572 SqFt Residential MLS® # 201836075

Pending

$725,000

↓ $24,900

9062 W Higgins Lake Drive, Roscommon

2 Beds 1 Bath 1,125 SqFt Residential MLS® # 201831553

$519,000

↓ $10,000

360 Chaney Point Drive, Roscommon

4 Beds 2 Baths 1,980 SqFt Residential MLS® # 201835734

$500,000

↓ $75,000

2744 W Higgins Lake Drive, Roscommon

2 Beds 1 Bath 669 SqFt Residential MLS® # 201837289

$475,000

115 Holly Lane, Roscommon

3 Beds 2 Baths 924 SqFt Residential MLS® # 201835968

$399,900

111 Short Avenue, Roscommon

3 Beds 1 Bath 1,050 SqFt Residential MLS® # 201837302

$379,000

↓ $20,000

119 Ethel Drive, Roscommon

3 Beds 2 Baths 1,152 SqFt Residential MLS® # 201835733

$359,900

11282 Steckert Bridge Road, Roscommon

5 Beds 2 Baths 2,700 SqFt Residential MLS® # 201837247

$340,000

239 Ausable River Trail, Roscommon

2 Beds 2 Baths 1,560 SqFt Residential MLS® # 201834217

$334,900

↓ $4,100

1362 Esther Court, Roscommon

3 Beds 4 Baths 2,512 SqFt Residential MLS® # 201836386

New

$314,900

1216 Esther Court, Roscommon

3 Beds 3 Baths 2,112 SqFt Residential MLS® # 201837568

$299,500

127 Laingsburg Legion Drive, Roscommon

2 Beds 1 Bath 1,152 SqFt Residential MLS® # 201836122

$289,900

103 Red Bird Legion Drive, Roscommon

3 Beds 1.5 Baths 1,522 SqFt Residential MLS® # 1933695

$269,000

724 Lynn Drive, Roscommon

3 Beds 1.5 Baths 1,128 SqFt Residential MLS® # 1938894

$239,000

115 Saginaw Legion Drive, Roscommon

3 Beds 2 Baths 1,100 SqFt Residential MLS® # 201836498

$200,000

205 Jackson Boulevard, Roscommon

3 Beds 1 Bath 1,368 SqFt Residential MLS® # 201835504

$179,900

↓ $10,000

311 Robbins Avenue, Roscommon

2 Beds 1 Bath 1,052 SqFt Residential MLS® # 201832258

$169,900

↓ $19,100

11052 W Higgins Lake Drive, Roscommon

1 Bed 1 Bath 600 SqFt Residential MLS® # 201835851

Stunning Deals on Roscommon, MI Waterfront Homes for Sale

Discover incredible opportunities for Roscommon, MI waterfront homes for sale. Explore local lakes, home styles, investment tips, and expert real estate insights today!

Introduction to Roscommon, Michigan

Roscommon, Michigan is a charming small town nestled in the heart of Northern Michigan. Surrounded by crystal-clear lakes and lush forests, it’s a tranquil paradise that offers the best of outdoor living. Whether you’re seeking a peaceful retreat, an active lifestyle on the water, or a wise real estate investment, Roscommon delivers it all.

This quaint community boasts a warm, welcoming atmosphere with local shops, cafes, and family-owned businesses that give it a tight-knit, hometown feel. It’s also home to some of the state’s most beloved natural features, including Higgins Lake, Houghton Lake, and Lake St. Helen—making it a hotspot for anyone interested in waterfront properties.

Why Waterfront Living in Roscommon is a Dream

Living near the water in Roscommon isn’t just about owning a home—it’s about embracing a lifestyle. Imagine waking up to the sound of lapping waves, casting a fishing line at sunrise, or kayaking under a pink-and-orange sunset. That’s the everyday reality for residents lucky enough to own waterfront homes in Roscommon.

Top benefits of Roscommon waterfront living include:

Recreational Access: Boating, swimming, jet skiing, and fishing right outside your door.
Natural Beauty: Breathtaking views, year-round wildlife, and colorful fall foliage.
Peace and Privacy: Homes are often set back from the road, with private docks and tree-lined lots.
Health & Wellness: The calming effects of water can reduce stress and promote well-being.

Whether you're buying a vacation cottage or settling into a forever home, the lakeside lifestyle in Roscommon provides unmatched serenity and joy.

Key Lakes Offering Waterfront Homes

Houghton Lake

As Michigan’s largest inland lake, Houghton Lake is a focal point for real estate seekers. Spanning over 22,000 acres, this lake supports a wide range of property types from cozy cabins to spacious waterfront estates. It's known for its shallow waters, perfect for swimming and boating. Property prices vary, but buyers can often find reasonably priced homes even with direct lake access.

Higgins Lake

Frequently ranked as one of the most beautiful lakes in the state, Higgins Lake is known for its deep, clear waters and sandy shores. Homes here tend to carry a premium due to the lake’s reputation and limited availability. Many properties serve as high-end vacation rentals, offering fantastic investment potential.

Lake St. Helen

Lake St. Helen is a quieter option, ideal for those looking for peace and privacy. It’s popular among anglers and nature lovers, offering an abundance of fish, secluded coves, and rustic hideaways. Waterfront homes here are often tucked into wooded lots and come with more land, making them perfect for year-round enjoyment.

Types of Waterfront Homes for Sale

Waterfront homes in Roscommon come in a wide range of styles, catering to all kinds of buyers—from weekend vacationers to luxury home seekers.

Log Cabins and Rustic Retreats

Ideal for cozy weekend getaways, these homes are typically smaller but packed with charm. With fireplaces, screened porches, and lakeside fire pits, they offer a true “up north” experience.

Modern Waterfront Homes

Built in the last decade, these homes feature energy-efficient systems, smart technology, and open floor plans with panoramic lake views. They're great for families or retirees looking for comfort and convenience.

Luxury Lakefront Estates

Think custom architecture, private docks, multi-car garages, chef’s kitchens, and even home theaters. These properties are ideal for entertaining or enjoying the finer things in life—right on the water’s edge.

Current Market Trends in Roscommon, MI

The real estate market in Roscommon has experienced steady growth, especially in the waterfront category. Due to the region's natural beauty and recreational amenities, demand remains high year-round, with seasonal spikes in spring and summer.

Key Market Indicators:

Average Listing Price: Waterfront homes typically range from $250,000 to over $1 million, depending on location, lake frontage, and home size.
Days on Market (DOM): Many well-priced waterfront homes sell quickly, often within 30–60 days.
Buyer Profile: Buyers include retirees, vacation homeowners, remote workers, and investors seeking short-term rental properties.

Due to low inventory and increased demand, buyers are encouraged to act fast when they find a suitable property.

Financing a Waterfront Home in Roscommon

Purchasing a waterfront property often involves additional financial considerations compared to traditional homes. Fortunately, there are several options for buyers.

Financing Tips:

Conventional Mortgages: Most homes qualify for conventional loans through national and local lenders.
Waterfront-Specific Loans: Some lenders offer special financing for lakefront properties due to unique valuation needs.
Down Payment Assistance: Michigan State Housing Development Authority (MSHDA) programs can help first-time homebuyers.

It’s wise to get pre-approved before house hunting and to work with a lender familiar with the Roscommon area to navigate unique property aspects like private water access or dock permits.

Tips for Buying Waterfront Property

Buying a lakefront home requires careful due diligence to ensure a smooth and rewarding investment. Here are essential tips for prospective buyers:

Key Considerations:

Shoreline Rights & Access: Confirm whether the property includes private waterfront access or shared community access.
Flood Insurance: Determine if flood insurance is required and what coverage costs.
Septic & Water Systems: Many lake homes rely on private systems. Have them inspected thoroughly.
HOA Rules: Some lakes have homeowners associations with guidelines on docks, landscaping, and rentals.
Zoning Restrictions: Always check local ordinances to confirm what improvements or rentals are allowed.

Engaging a local real estate agent familiar with waterfront transactions is highly recommended.

Best Neighborhoods for Waterfront Living

Roscommon offers a variety of lakefront communities, each with unique charm and amenities. Here are a few top picks:

Neighborhood	Highlights
Houghton Lakefront	Family-friendly, boat access, year-round homes
Higgins Lake South Shore	High-end estates, sandy beaches, close to state parks
Artesia Beach	Peaceful setting on Lake St. Helen, wooded lots
Lyon Township	Close to shopping and schools, newer developments

These neighborhoods offer varying price points and community styles to suit all types of buyers.

Investment Potential of Waterfront Properties

Waterfront homes in Roscommon are more than beautiful—they’re also great long-term investments. With tourism increasing and lake access becoming more exclusive, these homes typically appreciate well over time.

Top Reasons to Invest:

Vacation Rental Income: High demand for Airbnb and VRBO rentals near the lakes.
Equity Growth: Limited shoreline means homes often retain or increase in value.
Tax Advantages: Certain property taxes and mortgage interest may be deductible.

For investors, a waterfront home in Roscommon can serve as both a relaxing getaway and a passive income source.

Check out this video for a look at the Waterfront Lifestyle

Trusted Partner: Northern Michigan Escapes

When it comes to finding the perfect waterfront home in Roscommon, Northern Michigan Escapes is a name you can trust. With years of experience in the region, they specialize in helping clients discover luxurious lakefront properties, vacation homes, and investment opportunities tailored to their lifestyle needs.

Whether you're looking for a weekend cabin or a long-term rental property, Northern Michigan Escapes offers full-service real estate solutions, including:

Exclusive listings on top lakes like Houghton and Higgins
Personalized property tours and virtual walkthroughs
Expert guidance on financing, short-term rentals, and property management

Explore their current listings and learn more at NorthernMichiganEscapes.com.

Top Services Offered:

Property Tours and Virtual Showings
Comparative Market Analysis (CMA)
Negotiation and Offer Strategy
Local Vendor Recommendations for inspections, dock building, etc.

Look for agents who are members of the Michigan Association of Realtors and have strong client reviews.

How to Schedule a Property Tour

Interested in exploring a property in person or virtually? Scheduling a tour is easy:

Visit local real estate websites or MLS portals.
Contact a licensed agent or agency.
Choose between in-person tours, video walk-throughs, or live virtual calls.
Attend open house events posted on listing pages or community boards.

Booking early is advised, especially during spring and summer when listings move fast.

Testimonials from Homebuyers in Roscommon

"Buying our cottage on Higgins Lake was a dream come true. The view, the quiet mornings on the dock, the friendly neighbors—it’s everything we hoped for." – L. Thompson, Detroit

"We invested in a cabin on Lake St. Helen last year. It’s already paying off with summer rentals and family memories." – K. Ramirez, Grand Rapids

These stories are a testament to the beauty and satisfaction of living by the water in Roscommon.

External Resources and Listings

Here are helpful resources for current listings and planning your waterfront purchase:

These sites offer real-time listings, community news, zoning information, and more.

Frequently Asked Questions (FAQs)

1. Are there year-round waterfront homes available in Roscommon, MI?
A. Yes, many homes are built for all-season living with winterized features and insulated plumbing.

2. What’s the average cost of a lakefront home in Roscommon?
A. Prices range from $250,000 to over $1 million, depending on location and amenities.

3. Can I use my waterfront property as a vacation rental?
A. Most properties allow short-term rentals, but check local ordinances and HOA rules.

4. Do waterfront homes in Roscommon require flood insurance?
A. Some do, especially those close to the shoreline. It depends on elevation and FEMA maps.

5. What’s the best lake to buy property on in Roscommon?
A. Higgins Lake is premium and scenic, while Houghton Lake offers more affordable options with excellent access.

6. Are there financing programs for first-time buyers?
A. Yes, programs like MSHDA provide down payment assistance and favorable rates.

Conclusion: Start Your Waterfront Journey Today

Roscommon, MI offers a unique blend of natural beauty, lakeside living, and real estate opportunity. Whether you're searching for a serene retirement home, a weekend retreat, or a profitable rental property, the waterfront homes for sale here are sure to impress.

Now is the perfect time to explore the Roscommon real estate market and make your dream of owning a lakeside home a reality. Don’t wait—your perfect property might just be a click away.

Eager to learn more about Roscommon, 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 Beautiful Waterfront Homes for Sale in Roscommon, Michigan