Discover Torch Lake, MI Homes for Sale: 27 Dream Lakefront Listings

Torch Lake

Nestled in the heart of Northern Michigan, Torch Lake is an enchanting waterfront community known for its awe-inspiring natural beauty, crystal-clear turquoise waters, and relaxed small-town charm. Stretching over 19 miles through Antrim and Kalkaska Counties, Torch Lake offers residents a front-row seat to one of the most pristine inland lakes in the United States.

The community is made up of quaint towns like Alden, Eastport, and Torch River, each offering a unique blend of local shops, friendly cafes, seasonal events, and recreational opportunities. Whether it’s enjoying a boat ride to the famous sandbar, hiking scenic trails, or exploring nearby wineries and golf courses, there’s always something to do year-round.

Real Estate Statistics

Average Price	$2.2M
Lowest Price	$180K
Highest Price	$10M
Total Listings	37
Avg. Days On Market	85
Avg. Price/SQFT	$778

Property Types (active listings)

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• $100,000 - $200,000
• $300,000 - $400,000
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• $500,000 - $600,000
• $600,000 - $700,000
• $700,000 - $800,000
• $800,000 - $900,000
• Over $1,000,000

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New

$9,995,000

7079 Torch Lake Drive,nw, Kewadin

5 Beds 5 Baths 9,362 SqFt Residential MLS® # 1933397

$4,950,000

1034 S East Torch Lake Drive, Bellaire

4 Beds 3 Baths 3,845 SqFt Residential MLS® # 1934404

$4,759,900

9214 Myrtle Lane, Alden

5 Beds 4.5 Baths 3,598 SqFt Residential MLS® # 1933423

New

$4,435,000

3463 Ne Torch Lake Drive, Central Lake

4 Beds 5 Baths 4,599 SqFt Residential MLS® # 1934829

$4,000,000

11767 Wild Cherry Lane, Kewadin

6 Beds 3.5 Baths 4,144 SqFt Residential MLS® # 1933853

$3,500,000

9554 Fowler Lane, Rapid City

3 Beds 3.5 Baths 3,449 SqFt Residential MLS® # 1906814

$3,500,000

10870 Torchlight Lane, Central Lake

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

New

$3,495,000

736 Davock Lane, Bellaire

6 Beds 3 Baths 3,681 SqFt Residential MLS® # 1935238

$3,350,000

12305 Third Street, Kewadin

5 Beds 4.5 Baths 4,573 SqFt Residential MLS® # 1927446

$3,179,900

11096 Se Torch Lake Drive, Alden

4 Beds 3.5 Baths 2,548 SqFt Residential MLS® # 1929787

$2,895,000

5882 Crystal Beach Road, Rapid City

7 Beds 2 Baths 1,920 SqFt Residential MLS® # 1934227

$2,800,000

3502 Blasen Shores Lane, Kewadin

5 Beds 2.5 Baths 3,907 SqFt Residential MLS® # 1930814

$2,750,000

↓ $200,000

7079 Torch Lake Drive,nw, Kewadin

0 Beds 0 Baths 0 SqFt Land MLS® # 1932620

New

$2,495,000

3930 Thierry Circle, Kewadin

4 Beds 3.5 Baths 4,200 SqFt Residential MLS® # 1935183

$2,400,000

7681 Nw Torch Lake Drive, Kewadin

0 Beds 0 Baths 0 SqFt Land MLS® # 1930547

$2,099,999

↓ $49,901

9435 Se Torch Lake Drive, Alden

3 Beds 2.5 Baths 3,070 SqFt Residential MLS® # 1932136

New

$1,995,000

6654 S East Torch Lake Drive, Alden

4 Beds 3.5 Baths 2,340 SqFt Residential MLS® # 1934877

$1,990,000

7802 Maguire Lane, Alden

5 Beds 3 Baths 3,100 SqFt Residential MLS® # 1929034

$1,899,000

4133 N East Torch Lake Drive, Central Lake

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

$1,650,000

3972 Us-31 N, Kewadin

3 Beds 2 Baths 1,952 SqFt Residential MLS® # 1933636

$1,550,000

12344 S West Torch Lake Drive, Rapid City

4 Beds 2.5 Baths 2,492 SqFt Residential MLS® # 1930571

$1,500,000

3615 Wak Wing Drive, Central Lake

2 Beds 2 Baths 1,887 SqFt Residential MLS® # 1934840

New

$1,350,000

12147 Sw Torch Lake Drive, Rapid City

4 Beds 1 Bath 1,177 SqFt Residential MLS® # 1931960

New

$1,295,000

12225 Sw Torch Lake Drive,sw, Rapid City

3 Beds 2 Baths 1,436 SqFt Residential MLS® # 1933540

$1,200,000

V/l Ne Torch Lake Drive, Central Lake

0 Beds 0 Baths 0 SqFt Land MLS® # 476269

$1,195,000

0 Torch Lake Drive,sw, Rapid City

0 Beds 0 Baths 0 SqFt Land MLS® # 1933921

$1,100,000

10701 Sw Torch Lake Drive, Rapid City

3 Beds 1.5 Baths 995 SqFt Residential MLS® # 1933873

$895,900

11244 Sw Torch Lake Drive, Rapid City

3 Beds 3 Baths 2,768 SqFt Residential MLS® # 1926328

Pending

$840,000

10828 Torchlight Lane, Central Lake

3 Beds 1 Bath 882 SqFt Residential MLS® # 1933102

$745,000

11826 Ridge View Drive, Rapid City

4 Beds 3 Baths 2,590 SqFt Residential MLS® # 1928144

$698,500

11685 Kruger Road, Kewadin

3 Beds 2.5 Baths 1,692 SqFt Residential MLS® # 1933724

New

$596,900

8923 Torch Lake Drive, Se, Alden

2 Beds 2 Baths 1,368 SqFt Residential MLS® # 1935021

Pending

$459,900

11610 Sw Torch Lake Drive, Rapid City

3 Beds 2 Baths 1,344 SqFt Residential MLS® # 1932615

New Pending

$419,900

12149 Cabin Lane, Rapid City

3 Beds 2 Baths 1,764 SqFt Residential MLS® # 1934298

Pending

$399,900

↓ $10,000

12110 Jonathan Drive, Rapid City

3 Beds 2 Baths 1,540 SqFt Residential MLS® # 1932107

New Pending

$399,000

11401 Orchard Drive, Rapid City

3 Beds 1.5 Baths 1,260 SqFt Residential MLS® # 1933861

$179,500

00 S East Torch Lake Drive, Alden

0 Beds 0 Baths 0 SqFt Land MLS® # 1927759

Torch Lake, MI Homes for Sale | Dream Big with These 27 Must-See Listings

Introduction to Torch Lake Real Estate

Dreaming of a waterfront lifestyle with Caribbean-blue waters and small-town charm? Torch Lake, MI, might just be your real estate paradise.

Known for its surreal turquoise waters and over 19 miles of shoreline, this natural wonder is the second-largest inland lake in Michigan—and it’s quickly becoming one of the most coveted places to buy a home in the Midwest.

In this guide, we’ll break down everything you need to know about buying property on Torch Lake, including types of homes, pricing trends, top neighborhoods, and insider tips to land your dream lakefront home.

Why Torch Lake Is Northern Michigan's Crown Jewel

Torch Lake’s crystal-clear waters are legendary. National Geographic once named it one of the most beautiful lakes in the world. Located between Traverse City and Charlevoix, the lake stretches across both Antrim and Kalkaska counties. The vivid turquoise color, formed by glacial deposits, gives it a tropical feel—but you still get the Up North charm, complete with pine trees, pontoon boats, and Fourth of July fireworks over the water.

The Unique Appeal of Torch Lake Homes

Torch Lake homes aren’t just real estate—they’re lifestyle investments. Many properties here offer private docks, panoramic lake views, and access to endless water activities like wakeboarding, kayaking, and stand-up paddleboarding. Whether you’re looking for a cozy cottage or a multi-million-dollar lakefront estate, Torch Lake delivers a wide range of options for primary residences, vacation homes, and lucrative rental properties.

Torch Lake Housing Market Overview

Median Home Prices and Trends

As of 2025, the median home price on Torch Lake hovers around $1.2 million for true lakefront properties. However, you can find near-lake homes or seasonal cottages starting in the $500K range. Prices have climbed steadily over the past five years, reflecting both increased demand and limited inventory.

Seasonal Market Variations

Summer is the peak season for real estate activity, but savvy buyers often strike during the fall or late winter when competition thins out. Spring offers a balance of fresh inventory and fair prices, making it the ideal window for serious buyers.

Lakefront vs Inland Property Value

Lakefront homes appreciate faster than inland homes, especially those with private docks and panoramic views. Inland homes within a mile of the shoreline still offer strong value, particularly if they include lake access through community associations.

Types of Homes for Sale in Torch Lake

Lakefront Estates and Luxury Residences

These properties feature over 100 feet of private frontage, boathouses, chef’s kitchens, custom decks, and multi-car garages. Many exceed 4,000 square feet and are professionally designed for luxury living and entertaining.

Cabins and Cottages with Rustic Charm

Perfect for weekend getaways, these smaller homes typically range from 800 to 1,500 square feet. Think wood-burning stoves, knotty pine interiors, and peaceful, wooded settings—just steps from the water.

Modern New Construction and Developments

Recent developments around Torch Lake offer contemporary design, smart home technology, energy-efficient systems, and HOA-managed amenities like trails and community docks.

Condominiums and Vacation Homes

Condo living is on the rise near Torch Lake, especially in nearby towns like Alden and Bellaire. These properties offer hassle-free ownership, shared maintenance, and often come fully furnished for short-term rentals.

Top Neighborhoods and Waterfront Communities

Alden: Quaint Charm and Crystal Waters

This walkable village is popular among retirees and second-home owners. Alden is known for its vintage shops, local cafes, and unbeatable lake access.

Clam River Area: Boater's Paradise

Located at the southern end of the lake, this region is ideal for boaters who want quick access to Clam Lake and the entire Chain of Lakes. Homes here often include deep-water docks.

Eastport: Peaceful and Picturesque

If you value serenity and sweeping views, Eastport is your spot. Properties here tend to be on larger lots, offering maximum privacy and seclusion.

Torch River: A Hidden Gem

Nestled where Torch Lake meets Torch River, this area is perfect for kayaking, wildlife viewing, and quieter living—without sacrificing access to Torch Lake’s full beauty.

Features That Buyers Love in Torch Lake Homes

Panoramic Lake Views

From floor-to-ceiling windows to wraparound decks, Torch Lake homes are designed to celebrate their natural surroundings.

Private Docks and Beach Access

Many properties feature private sandy beaches and docks, ideal for boating, swimming, or enjoying a sunrise cup of coffee by the water.

Open-Concept Living Spaces

Modern layouts cater to gatherings—think open kitchens flowing into great rooms with fireplaces and exposed beams.

Outdoor Living: Decks, Firepits, and Patios

Northern Michigan summers were made for outdoor living. Expect firepits, covered porches, and grilling patios with built-in sound systems.

Living in Torch Lake Year-Round

Seasonal Activities: Summer Boating to Winter Skiing

Life in Torch Lake isn’t just about summer fun—though those months are pure magic. During the summer, residents enjoy boating, swimming, sandbar parties, and long days on the water. But come fall and winter, the landscape transforms into a tranquil, snow-covered haven. You’ll find nearby skiing at Shanty Creek Resort, snowmobiling trails, and ice fishing spots.

Spring brings maple syrup festivals, wildflowers, and a quiet lead-up to the busy summer season. Torch Lake delivers all four seasons—each with its own charm.

Schools, Healthcare, and Community Services

Families who choose to live year-round enjoy access to reputable public schools like Mancelona Public Schools and Elk Rapids Schools, both offering small class sizes and strong community engagement.

Healthcare services are available in nearby Traverse City, Bellaire, and Charlevoix, including Munson Healthcare facilities. Torch Lake communities also offer libraries, senior centers, churches, and volunteer opportunities that make it feel like home.

Dining, Shopping, and Entertainment

From locally caught whitefish at The Dockside to wine tastings at Torch Lake Cellars, there’s no shortage of delicious eats around the lake. You’ll find boutique shopping in Alden and art galleries sprinkled throughout the area. When you want more options, Traverse City—just 30-45 minutes away—offers everything from breweries to live music venues.

Investment Potential of Torch Lake Real Estate

Vacation Rental Income Insights

Torch Lake is one of Michigan’s most sought-after summer destinations, which means vacation rentals here are in high demand. Homes with beach access, hot tubs, and multiple bedrooms often fetch premium weekly rates. Properties listed on Northern Michigan Escapes frequently book out months in advance.

As an investor, you can earn consistent summer income and still block off personal weeks to enjoy the home yourself.

ROI on Waterfront vs Near-Lake Properties

Waterfront homes yield the highest rental income, with peak season rates ranging from $4,000 to $10,000+ per week depending on size, amenities, and location. However, homes within walking distance to the lake or those offering shared water access also present excellent ROI, especially if they’re renovated or offer modern upgrades.

Tips for Buying a Home in Torch Lake

What to Look for in a Waterfront Home

• Water frontage: Is it sandy, rocky, or mucky? Sand is ideal for swimming.

• Dock condition: Is it included and in good shape?

• Sun exposure: Western-facing homes offer epic sunsets.

• Flood risk: Check if flood insurance is required.

• Privacy: Some homes are closely spaced; others sit on multiple acres.

Understanding Septic, Well, and Shoreline Regulations

Most Torch Lake homes use private septic and well systems. It’s crucial to get both inspected before purchase. Also, there are Antrim County Shoreline Preservation rules that affect things like tree removal, landscaping, and shoreline modifications. Work with a local expert to avoid surprises.

Working with a Local Expert like Brook Walsh

With decades of experience in Northern Michigan real estate and deep knowledge of Torch Lake, Brook Walsh offers an unmatched advantage. Whether you’re looking for a primary residence or an investment property, his insight on ROI, vacation rental strategy, and neighborhood dynamics can help you make the smartest move.

Visit BrookWalsh.com to explore current listings and schedule a personalized consultation.

Torch Lake, MI Real Estate Market Stats (Table)

Comparisons: Torch Lake vs. Other Michigan Lakefront Markets

Torch Lake vs Lake Leelanau

Torch Lake offers deeper, clearer waters and a more exclusive atmosphere, while Lake Leelanau appeals to buyers wanting proximity to wineries and Traverse City.

Torch Lake vs Elk Lake

Elk Lake is more laid-back and better suited for pontoon cruising. Torch Lake is a better pick for those seeking luxury, vibrant sandbar life, and jaw-dropping vistas.

Real Estate Financing Options

Mortgage Trends in Vacation Markets

Second homes typically require a 10-20% down payment, and interest rates may be slightly higher than primary residence loans. Lenders often request reserves and higher credit scores.

Second Home Loans and Down Payment Tips

Consider options like:

• Conventional second home loans

• Portfolio loans through local banks

• HELOCs on primary homes for down payments

Pro tip: Secure pre-approval before making an offer, especially in competitive lakefront segments.

How to Sell Your Torch Lake Home Fast

Staging Tips for Lakefront Homes

• Showcase the view with minimal window coverings

• Stage outdoor spaces with chairs, firepits, and string lights

• Declutter and depersonalize for maximum buyer appeal

Using SEO and Digital Marketing for Maximum Exposure

Brook Walsh uses data-driven strategies, including:

• Drone footage and 3D walkthroughs

• Featured listings on BrookWalsh.com and NorthernMichiganEscapes.com

• SEO-optimized listing descriptions and targeted social media ads

Why Work With Northern Michigan Escapes and BrookWalsh.com

Deep Local Knowledge

Brook grew up in Northern Michigan, knows the market inside and out, and has managed over $500M in transactions. His boots-on-the-ground perspective is priceless.

Tech-Driven Real Estate Marketing

From Google Ads to AI-powered SEO campaigns, Brook doesn’t just list your home—he markets it with precision and performance in mind.

Concierge-Level Client Experience

You’ll get personalized advice, fast responses, and a network of trusted contractors, lenders, inspectors, and stagers.

Testimonials From Happy Buyers

"Brook helped us find the perfect Torch Lake home for our family. His local knowledge and marketing savvy made the whole process smooth and successful." — The Johnson Family

"We bought our vacation home with Brook and also list it with Northern Michigan Escapes. We’ve had 95% occupancy every summer!" — Michelle & Dan M.

Frequently Asked Questions

Q. What’s the average cost of a Torch Lake home?

A. Lakefront homes average around $1.2 million, while near-lake options can start at $500K.

Q. Is Torch Lake swimmable and boat-friendly?

A. Absolutely! It’s one of the clearest, deepest, and most swimmable lakes in the state—perfect for boats, kayaks, and floating parties.

Q. Can I rent out my Torch Lake home seasonally?

A. Yes. Many owners see strong returns with summer rentals. Local zoning varies, so check with Brook for regulations.

Q. Are there HOA restrictions around Torch Lake?

A. Some subdivisions have HOAs with rules about rentals, docks, or lot usage. Most lakefront homes are independently owned without HOA oversight.

Q. What utilities and internet services are available?

A. Most homes use private wells/septic. Fiber and satellite internet are available through local providers like Cherry Capital or Starlink.

Q. When is the best time to buy in Torch Lake?

A. Late fall through early spring tends to offer better pricing and less competition. Summer showcases the properties at their best—but expect to act fast.

Conclusion: Make Torch Lake Your Home or Investment

Torch Lake isn’t just a destination—it’s a lifestyle. With world-class beauty, investment potential, and a welcoming community, it’s no wonder buyers from across the country are setting their sights on this Northern Michigan gem.

Whether you’re looking for a luxury retreat, rental property, or family cottage, Brook Walsh and his team at Northern Michigan Escapes are here to help.

Explore Listings at BrookWalsh.com

Ready to tour lakefront homes or speak with an expert?
Visit www.BrookWalsh.com
Check available vacation rentals or property management at Northern Michigan Escapes

External Resource

For water quality, lake health, and environmental updates, visit:
Torch Lake Water Quality - Tip of the Mitt Watershed Council