State and Main Association Condominiums for Sale

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State and Main Condo Association

State and Main Association Condominiums are located in the heart of downtown Harbor Springs, Michigan, offering residents a perfect blend of small-town charm and modern convenience. This exclusive condominium community is just steps from the marina, boutique shopping, gourmet dining, and art galleries. With its classic architectural style and low-maintenance living, State and Main is ideal for those seeking a year-round residence, seasonal getaway, or investment opportunity.

Residents enjoy beautifully maintained grounds, private parking, and easy access to Northern Michigan’s four-season outdoor recreation—including boating on Little Traverse Bay, skiing at nearby resorts, and exploring local trails. The welcoming, close-knit atmosphere of the community fosters a relaxed, yet vibrant lifestyle. Whether you're sipping coffee downtown or catching a sunset at the beach, living at State and Main means having it all—right outside your front door.

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State and Main Association Condominiums for Sale | Harbor Springs, MI – Hidden Gem + 27 Key Insights

Introduction to State and Main Association Condominiums

Nestled in the heart of downtown Harbor Springs, the State and Main Association Condominiums offer a unique blend of charm, convenience, and community.

Whether you're in the market for a cozy retreat, a family getaway, or an investment opportunity, these condos provide exceptional value in one of Northern Michigan’s most picturesque waterfront towns. With walkability, classic architecture, and modern amenities rolled into one, it’s no wonder these condos are in high demand.

Why Choose Harbor Springs, MI for Your Next Home

A Historic and Vibrant Waterfront Town

Harbor Springs is more than just a vacation destination—it's a lifestyle. Founded in the mid-1800s, this historic village has retained its old-world charm while embracing modern comforts. Located on the shores of Little Traverse Bay, it offers panoramic views, quaint shops, and rich local culture that attracts visitors and homeowners alike.

Year-Round Outdoor Activities

From skiing and snowboarding at nearby Nub’s Nob and Boyne Highlands to kayaking and boating on Lake Michigan, Harbor Springs is a haven for outdoor lovers. The seasons offer diverse recreational opportunities—bike trails in spring, beach days in summer, leaf-peeping hikes in fall, and world-class skiing in winter.

Overview of the State and Main Association Community

Location and Surrounding Attractions

The State and Main condos are just steps from coffee shops, restaurants, the marina, and art galleries. Located at the intersection of State and Main Street, these residences put you right in the center of everything that makes Harbor Springs so desirable.

Architectural Style and Development History

Built to complement the town’s architectural aesthetic, these condos blend colonial and cottage styles, featuring gabled roofs, porches, and premium finishes. The development was carefully designed to provide privacy while fostering a sense of community.

Property Types and Layout Options

From single-story units to multi-level floor plans, the condos in State and Main Association offer something for every lifestyle. Layouts typically include 2–3 bedrooms, 2+ bathrooms, and open-concept living areas.

Condominium Features and Floor Plans

Typical Layouts (1, 2, and 3 Bedroom Options)

These homes boast generous square footage ranging from 1,200 to 2,000+ square feet. Most units feature open kitchens, spacious primary suites, private balconies, and hardwood floors.

Interior Finishes and Appliances

Expect high-end appliances, granite or quartz countertops, custom cabinetry, and designer light fixtures. The interiors are tastefully finished to meet modern standards while maintaining a cozy cottage feel.

Storage and Utility Options

In-unit laundry, walk-in closets, and basement or garage storage ensure residents have ample space for gear, clothes, and seasonal equipment.

Community Amenities That Elevate Living

Common Areas and Maintenance Inclusions

Residents enjoy well-kept landscaping, snow removal, garbage pickup, and exterior maintenance, all included in the reasonable HOA fees.

Parking, Snow Removal, and Lawn Care

Assigned parking and guest spaces are readily available. Snowbirds rejoice—snow removal is handled professionally, keeping driveways and walkways clear all season long.

Security and Property Management

The association works with a local management company to ensure smooth operations, enforce bylaws, and respond to owner concerns promptly and professionally.

Lifestyle Benefits of State and Main Association Condos

Maintenance-Free Living

One of the biggest perks? Say goodbye to lawn mowing, snow shoveling, and exterior painting. Everything is handled for you—giving you more time to enjoy life.

Community Culture and Neighborly Feel

With a mix of full-time residents, vacationers, and second-home owners, the community is welcoming and vibrant. Regular association meetings and social gatherings foster neighborly relationships.

Harbor Springs Real Estate Market Trends

Condo Values and Appreciation Rates

Property values in Harbor Springs have shown steady appreciation, with condominiums seeing increased demand thanks to their location and lower maintenance requirements. On average, these condos have appreciated 5–8% annually over the past decade.

Demand for Vacation and Investment Properties

Buyers are increasingly seeking second homes and vacation rentals. State and Main’s walkability and downtown charm make it a top choice for both.

Investment Opportunities and ROI Potential

Short-Term Rental Regulations in Harbor Springs

Harbor Springs has specific ordinances regarding short-term rentals, so it’s important to check local laws and HOA rules. However, when permitted, units at State and Main fetch premium nightly rates due to their location.

Long-Term Lease Appeal

With Northern Michigan’s rising popularity, long-term rentals are a solid investment option, especially for families and professionals looking to relocate.

Comparison with Other Harbor Springs Condos

State and Main vs. Downtown Condo Communities

Unlike some condos located farther from downtown, State and Main puts you right in the middle of everything. If walkability is a priority, this community wins hands down.

State and Main vs. Golf or Waterfront Communities

Waterfront or golf communities are often more spread out and seasonal. State and Main provides year-round appeal and ease of access without sacrificing charm or comfort.

Buying Process for State and Main Condominiums

HOA Rules and Monthly Fees

HOA dues typically range from $250 to $400/month and cover exterior maintenance, snow removal, landscaping, insurance, and garbage. Rules support a peaceful, well-maintained environment.

What’s Included in Ownership

Ownership includes full access to the unit and common areas. Many units come with dedicated parking and some with garage space.

Tips for First-Time Buyers in Michigan

• Get pre-approved for a condo-compliant mortgage

• Work with a local real estate expert (like Brook Walsh)

• Review HOA bylaws and financials carefully

Testimonials from Residents and Owners

Why Owners Love Living Here

“The location is unbeatable. We walk to the farmers market, enjoy harbor views, and feel connected to the heartbeat of the town.”

Real Buyer Experiences

“After buying our condo at State and Main, we knew we’d found our forever vacation spot. It’s the perfect mix of ease and luxury.”

Accessibility and Transportation Options

Walkability to Downtown and the Waterfront

You can walk to the beach, marina, and restaurants in under 5 minutes. This is a major perk, especially during summer and fall.

Regional Airport and Commuter Routes

The nearby Pellston Regional Airport (PLN) offers easy access for travelers, and US-31 connects you to Petoskey, Traverse City, and beyond.

School District and Educational Opportunities

Public and Private Schools

State and Main falls within the Harbor Springs Public Schools district, known for its high academic standards and supportive community.

Access to Higher Education

Nearby North Central Michigan College in Petoskey provides access to continuing education and enrichment courses.

Dining, Shopping, and Cultural Highlights

Local Restaurants and Cafes

• The New York Restaurant – Classic fine dining

• Small Batch at the Cupola – Brunch heaven

• Java Joe’s Café – Local coffee favorite

Galleries, Museums, and Music Venues

Harbor Springs features local galleries, the Lyric Theatre, and seasonal music festivals to satisfy all artistic appetites.

Outdoor Recreation Around Harbor Springs

Beaches, Boating, and Water Sports

Enjoy public beaches like Zoll Street Beach, or launch your kayak just a block from home.

Skiing, Hiking, and Nature Trails

Winter is a blast with Nub’s Nob and Boyne Highlands just 10 minutes away. Fall and spring are perfect for hiking local trails and preserves.

Pet-Friendly Features and Policies

Pet Rules for Condo Owners

Most units are pet-friendly with restrictions on size or number. Always check the HOA’s pet policy before purchasing.

Local Pet Services and Parks

Harbor Springs offers multiple pet-friendly parks, grooming services, and even pet boutiques downtown.

Seasonal Living vs. Year-Round Occupancy

Summer Residents and Snowbirds

Many owners use their condos as summer homes or ski-season retreats, enjoying the best of both worlds.

Benefits of Full-Time Living

With its vibrant year-round community, excellent schools, and top-tier recreation, living full-time at State and Main is an enriching lifestyle choice.

Maintenance and Association Services Overview

HOA Responsibilities and Owner Expectations

The HOA handles all exterior work, freeing you from the burdens of seasonal property upkeep.

Contact Info and Support for Homeowners

Questions about maintenance or bylaws? The HOA provides professional support and helpful online portals for resident needs.

Nearby Events and Festivals

Summer Wine Tastings and Concerts

Harbor Springs hosts farmers markets, wine tastings, and outdoor concerts throughout the summer months.

Winter Carnivals and Holiday Markets

December turns Harbor Springs into a winter wonderland, complete with lights, holiday parades, and unique shopping experiences.

Financing Tips and Local Mortgage Resources

Recommended Lenders in Emmet County

Work with lenders who understand condo financing, such as local credit unions and Harbor Springs-based banks.

Condo-Specific Mortgage Advice

Ask about:

• Non-warrantable condo loans

• Down payment requirements (typically 10–20%)

• HOA document reviews for underwriting

Frequently Asked Questions

Q1: Are pets allowed in State and Main Association condos?
A. Yes, most units allow pets with some restrictions. Always confirm with the HOA.

Q2: What are average HOA fees?
A. They typically range from $250–$400/month and include snow removal, lawn care, and exterior maintenance.

Q3: Can I rent my unit seasonally?
A. Short-term rentals are subject to city ordinances and HOA rules. Some units are eligible with proper registration.

Q4: Is financing easy to secure for condos here?
A. Yes, with the right lender. Look for those experienced in condo financing in Northern Michigan.

Q5: How walkable is the area?
A. Extremely walkable! Grocery stores, cafes, and the marina are within a few blocks.

Q6: Are these condos good for year-round living?
A. Absolutely! With full maintenance and proximity to schools and recreation, they’re ideal for full-time residents.

Conclusion: Your Next Chapter Starts at State and Main

If you’ve been dreaming of a Harbor Springs home that blends location, lifestyle, and low-maintenance living, look no further than the State and Main Association Condominiums. Whether you're a retiree, remote worker, family, or investor, these homes offer value, beauty, and long-term potential in Northern Michigan’s most charming town.

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.