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128 River Street

Elk Rapids, MI 49629
  • $1,305,000
  • STATUS: Active
  • ON SITE: 35 Days
  • MLS #: 1943835
UPDATED: 56 min ago
$1,305,000
  • 2
    BEDS
  • 0.07
    ACRES
  • 2
    BATHS
  • 1
    1/2 BATHS
  • 3,595
    SQFT
  • $363
    $/SQFT
Type:
Single-Family Home
Built:
1948
County:
Area:

School Ratings & Info

School District:

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.

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The accuracy of all information, regardless of source, is not guaranteed or warranted. All information should be independently verified. © 2026 Northern Great Lakes REALTORS© MLS. All rights reserved. Data last updated: 2026-05-21T15:51:53.847.
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128 River Street Elk Rapids, MI 49629

  • Price: $1,305,000
  • Status: Active
  • On Site: 35 Days
  • Updated: 56 min ago
  • MLS #: 1943835
2
Beds
2
Baths
1
½ Baths
0.07
Acres
3,595
SQFT
$363
$/SQFT
1948
Built
Neighborhood:
H H Nobles Add To Elk Rapids
County:
Antrim
Area:
Antrim
School District:
Elk Rapids Schools
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.
Exterior Features

Architectural Style Other Carport YN No Construction Materials OtherFrameVinyl Siding Exterior Features Sidewalk Foundation Details BlockStoneOther Garage YN Yes Patio And Porch Features DeckPatio Pool Private YN No Roof Membrane Spa Features Bath Spa YN Yes View WaterSeasonal View View YN Yes Window Features Skylight(s)Bay Window(s)Blinds

Interior Features

ABdrm 3595 Above Grade Finished Area 3595 Above Grade Finished Area Units Square Feet Accessibility Features Grip-Accessible FeaturesOther Appliances RefrigeratorDisposalDishwasherMicrowaveWasherDryerOvenCooktopExhaust FanElectric Water HeaterGas Water Heater Basement Full Below Grade Finished Area 0 Below Grade Finished Area Units Square Feet Below Grade Un Fin Apx Sq Ft 969 Cooling Whole House Fan/Attic FanCentral Air Cooling YN Yes Fireplace Features Wood Burning Fireplace YN Yes Flooring VinylCarpet Green Energy Efficient Not ApplicableAppliances Heating Forced AirFireplace(s)Natural Gas Heating YN Yes Interior Features BookcasesPantrySolid Surface CountersKitchen IslandMud RoomDen/StudyDrywallCeiling Fan(s)Cable TVWiFi Laundry Features Upper Level Levels Two Main Level Bathrooms 1 Num Baths Lower 0 Num Baths Upper 2 Other Level Upper Floor Room Bedroom2 Area 167.79 Room Bedroom2 Level Upper Room Dining Room Area 137 Room Dining Room Level Upper Room Kitchen Area 241.38 Room Kitchen Level Upper Room Living Room Area 465.629999999 Room Living Room Level Upper Room Master Bathroom Features Private Room Master Bedroom Area 234.24 Room Master Bedroom Level Upper

Property Features

Association Fee Frequency Annually Association Fee Includes None Attached Garage YN Yes Community Features None Deeded Waterfront No ECOFeatures No Fencing Fenced Green Water Conservation Not Applicable Home Warranty YN No Horse YN No Laundry Length Apx 13.4 Laundry Width Apx 7.8 Lease Amount Frequency Annually Lease Considered YN No Lease Renewal Option YN No Listing Terms Cash1031 ExchangeOther Lot Features ClearedLevel Main Floor Primary No New Construction YN No Number Of Full Time Employees 18 Open Parking YN No Other Length Apx 13.9 Other Structures None Other Width Apx 12.7 Ownership Type Private Owner Parking Features ConcreteAttachedConcrete Floors Pets Allowed No Possession Negotiable Property Attached YN No Property Sub Type Single Family Residence Road Responsibility Public Maintained Road Road Surface Type Asphalt Security Features Security SystemSmoke Detector(s) Sewer Public Sewer Tax Annual Amount 3876.74 Tax Assessed Value 139892 Tax Legal Description LOT 7EXC THE E 54 FTALSO EXC W 25 FT PLAT OF H H NOBLES ADD TO ELK RAPIDS Tax Year 2025 Water Source Public Waterfront YN No Year Built Effective 1990 Zoning Description Commercial

Listing information © 2026 Northern Great Lakes REALTORS© MLS.
Listing provided courtesy of Century 21 Northland: 231-929-7900.



The accuracy of all information, regardless of source, is not guaranteed or warranted. All information should be independently verified. © 2026 Northern Great Lakes REALTORS© MLS. All rights reserved. Data last updated: 2026-05-21T15:51:53.847.
 
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