Address
128 River Street, Elk Rapids, MI
Price
$ 1,305,000
Property Attributes
- MLS#1943835
- TypeSingle Family
- Listing Status Active
- CountyANTRIM
- CityElk Rapids
- AreaAntrim
- NeighborhoodElk Rapids
- Zip49629
- Style
- Year Built1948
- Taxes$ 3876
- Price$ 1,305,000
- Bedrooms2
- Full Bathrooms2
- Half Bathrooms1
- Sqr Footage3595
- Lot Size0.07 Acres
Data Source:
Northern Great Lakes REALTORS® MLS (NGLRMLS)
Property Description
Unique mixed-use opportunity in the heart of downtown Elk Rapids, Michigan, conveniently located near the harbor. Originally constructed circa 1948 as a bank, this distinctive property blends historic character with comfortable residential living. The upper level features a thoughtfully designed owner’s residence offering generous and flexible space, including a primary suite with jetted tub and walk-in closet, a large guest bedroom, and a den suitable for a variety of uses, including a potential non-conforming third bedroom. The residence includes a wood-burning fireplace and a spacious private deck, ideal for outdoor living, with gorgeous harbor views. The main level offers additional space currently used as a gallery, showcasing artwork from over 200 fine artists and craftsmen from across North America. The space features a second wood-burning fireplace and retains unique architectural elements, including the original bank vault, adding to the property’s character. To maintain privacy and professional standards, the property is shown by appointment only. Prospective buyers can review local zoning details via the Elk Rapids Village website to explore the full potential of this location.
| Price History | |
|---|---|
| 4/16/2026 | Listed $1,305,000 |
General Features
| Sewer | Public Sewer |
|---|---|
| Heating | Forced Air,Fireplace(s),Natural Gas |
| Cooling | Whole House Fan/Attic Fan,Central Air |
| Possession | Negotiable |
| Roof | Membrane |
| Appliances | Refrigerator,Disposal,Dishwasher,Microwave,Washer,Dryer,Oven,Cooktop,Exhaust Fan,Electric Water Heater,Gas Water Heater |
| Garage Spaces | 2 |
| Association Fee Includes | None |
| Patio/Porch Features | Deck,Patio |
| Architectural Style | Other |
| Security Features | Security System,Smoke Detector(s) |
| Construction Materials | Other,Frame,Vinyl Siding |
| Pets Allowed | false |
| Year Built | 1948 |
| View | Water,Seasonal View |
| Stories Count | 2 |
| Township | Elk Rapids |
| Levels | Two |
| Property Subtype | Single Family Residence |
| Tax Year | 2025 |
| Community Features | None |
| Accessibility | Grip-Accessible Features,Other |
| Assoc Fee Paid Per | Annually |
| County | Antrim |
| New Construction | No |
| Property Type | Residential |
| Attached Garage | Yes |
| Energy Efficient | Not Applicable,Appliances |
| Subdivision Name | H H NOBLES ADD TO ELK RAPIDS |
| Garage Y/N | Yes |
| Green Water Conservation | Not Applicable |
| Other Structures | None |
| Full Baths | 2 |
| Status | Active |
| Directions | From Traverse City,take US-31 North for about 15–17 miles into Elk Rapids. Continue straight into downtown,then turn left onto River Street. Drive a short distance; 128 River Street will be on your r |
| City | Elk Rapids |
| High School District | Elk Rapids Schools |
| Zoning Description | Commercial |
| Lot Size Units | Acres |
| Lot Size Square Feet | 3049.2 |
| Carport Y/N | No |
| Spa Features | Bath |
| Tax Annual Amount | 3876.74 |
| Home Warranty Y/N | No |
| Lease Renewal Y/N | No |
| Lease Considered Y/N | No |
| Virtual Tour | https://www.dropbox.com/scl/fo/6qrlhyo1tlrfdsxejkrmm/AAr90h6tE7YGbXKB8k4neo8/Videos?rlkey=37wm3mbwj2ebifb4z0vzq3jp2&subfolder_nav_tracking=1&st=ya2xzac8&dl=0 |
| Primary Bedroom Level | Upper |
| Living Area Units | Square Feet |
| Standard Status | Active |
| Middle/Junior School District | Elk Rapids Schools |
| Elementary School District | Elk Rapids Schools |
| Tax Assessed Value | 139892 |
| Virtual Tour | https://www.dropbox.com/scl/fo/6qrlhyo1tlrfdsxejkrmm/ABGd10cFwCZXkTi3HXyNBCI/Videos/128%20River%20Street.mp4?rlkey=37wm3mbwj2ebifb4z0vzq3jp2&st=2bzeqat0&dl=0 |
| Ownership Type | Private Owner |
| Lease Amount Frequency | Annually |
| Legal Description | LOT 7,EXC THE E 54 FT,ALSO EXC W 25 FT PLAT OF H H NOBLES ADD TO ELK RAPIDS |
| AttributionContact | Cell: 231-534-4753 |
| Year Built Effective | 1990 |
| Freehold | VOW,BBO,IDX |
Interior Features
| Interior Amenities | Bookcases,Pantry,Solid Surface Counters,Kitchen Island,Mud Room,Den/Study,Drywall,Ceiling Fan(s),Cable TV,WiFi |
|---|---|
| Basement | Full |
| Flooring | Vinyl,Carpet |
| Fireplace Features | Wood Burning |
| Kitchen Level | Upper |
| Basement (Y/N) | No |
| Air Conditioning Y/N | Yes |
| Heating Y/N | Yes |
| Window Features | Skylight(s),Bay Window(s),Blinds |
| Fireplace Y/N | Yes |
| Above Grade Finished Area | 3595 |
| Half Baths | 1 |
| Laundry Features | Upper Level |
| Total Bedrooms | 2 |
| Living Room Level | Upper |
| Main Level Bathrooms | 1 |
| Below Grade Finished Area Unit Type | Square Feet |
| Above Grade Finished Area Unit Type | Square Feet |
| Total Baths | 3 |
| Primary Bathroom Features | Private |
| Kitchen Area | 241.38 |
| Kitchen Length | 16.2 |
| Kitchen Width | 14.9 |
| Primary on Main | 167.79 |
| Second Bedroom Length | 14.1 |
| Second Bedroom Width | 11.9 |
| Dining Room Area | 13.7 |
| Dining Room Width | 10 |
| Living Room Area | 465.629999999 |
| Living Room Length | 18.7 |
| Living Room Width | 24.9 |
| Primary Bedroom Area | 234.24 |
| Primary Bedroom Length | 18.3 |
| Primary Bedroom Width | 12.8 |
| Dining Room Level | Upper |
| Dining Room Area | 137 |
| Second Bedroom Level | Upper |
Exterior Features
| Exterior Amenities | Sidewalk |
|---|---|
| Fencing | Fenced |
| Parking Features | Concrete,Attached,Concrete Floors |
| Lot Features | Cleared,Level |
| Water Source | Public |
| Lot Size Area | 0.07 |
| Foundation Details | Block,Stone,Other |
| Number of Buildings | 1 |
| Spa | Yes |
| Lot Dimensions | 130x25 |
| Lot Size Acres | 0.07 |
| Road Surface Type | Asphalt |
| Waterfront Y/N | No |
| Road Responsibility | Public Maintained Road |
| Horse Y/N | No |
Amenities
- Foreclosure
- Views
- Short Sale
- New Construction
- Adult 55+
- Lease To Own
- No HOA Fees
- Furnished
- Primary On Main
- Air Conditioning
- Seller Finance
- Green
- Fixer Upper
- Horse
- Golf
- Fireplace
- Deck
- Garage
- Basement
- Pool
Property vs Single Family Average in 49629
Price
Taxes
Year Built
Visits
Listing information is provided by Participants of the MichRIC MLS. IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information deemed reliable but not guaranteed. ©: MichRIC MLS. Last Update September 21, 2026 5:13 AM UTC
Water Wonderland Board of REALTORS® All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumer's personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested
Northern Great Lakes REALTORS® MLS All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumer's personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested
