128 River Street, Elk Rapids, MI, 49629

Water Views

Address

128 River Street, Elk Rapids, MI

Listing Type

Active

Price

$ 1,305,000

Property Attributes

ID#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