# 3224 Cliffs #86, Bay Harbor, MI 49770 > **TL;DR:** 4bd/4ba condo, $1,800,000 ($657/sqft), built 1999, 2,740 sqft. Est. $12,347/mo. ## Property at a Glance | Attribute | Value | |-----------|-------| | Price | $1,800,000 | | Price/sqft | $657 | | Bedrooms | 4 | | Bathrooms | 4 full | | Square Feet | 2,740 | | Year Built | 1999 | | Property Type | Condo (Condominium) | | Status | Active | | Days on Market | 0 | ## Estimated Monthly Costs | Category | Amount | |----------|--------| | Principal & Interest (20% down, 30-year at 6.5%) | $9,102 | | Estimated Insurance | $525 | | HOA | $2,720 | | **Total** | **$12,347** | ## Property Highlights - Built in 1999 ## Description ### Agent Description Perched above the Lake Michigan shoreline, this stunning residence offers panoramic water views and the rare opportunity to own a an updated, move-in ready condominium in Bay Harbor. Enjoy the most spectacular panoramic views of Little Traverse Bay and Lake Michigan from this upper level condo in the Cliffs at Bay Harbor. Located on the desirable East side of this private-gated Association. . The Cliffs association is a beautifully landscaped oasis within the greater Bay Harbor resort community. This association has a clubhouse with indoor pool/hot tub and a full-time on-site management. This home is being sold furnished. Includes a GEM car. Ownership includes access and a required membership to the world-class Bay Harbor Yacht Club, offering dining, fitness, spa, and social activities just steps away. You're also an easy stroll to the Marina District's art center, boutique shops, and a variety of casual and fine dining experiences. ## Location - **Address:** 3224 Cliffs #86, Bay Harbor, MI 49770 - **County:** Emmet - **Coordinates:** 45.368084, -85.006088 - **Google Maps:** https://www.google.com/maps?q=45.368084,-85.006088 ## Listing Agent - **Name:** Lori Jodar - **Brokerage:** Lori Jodar & Co. LLC - **Phone:** 2313303499 - **Broker Phone:** (231) 330-3499 - **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/3224-Cliffs-Dr-86_Petoskey_MI_49770_M97986-38142?f=listhub&s=NMIMLS&m=479613&c=propsimple) ## Photos ![3224 Cliffs #86 - Photo 1](http://lh.rdcpix.com/49a9923c836391070192551c2855576fl-f59186473r.jpg) ![3224 Cliffs #86 - Photo 2](http://lh.rdcpix.com/49a9923c836391070192551c2855576fl-f2095262893r.jpg) ![3224 Cliffs #86 - Photo 3](http://lh.rdcpix.com/49a9923c836391070192551c2855576fl-f2193891254r.jpg) ![3224 Cliffs #86 - Photo 4](http://lh.rdcpix.com/49a9923c836391070192551c2855576fl-f122553390r.jpg) ![3224 Cliffs #86 - Photo 5](http://lh.rdcpix.com/49a9923c836391070192551c2855576fl-f2002779878r.jpg) ![3224 Cliffs #86 - Photo 6](http://lh.rdcpix.com/49a9923c836391070192551c2855576fl-f3485169054r.jpg) ![3224 Cliffs #86 - Photo 7](http://lh.rdcpix.com/49a9923c836391070192551c2855576fl-f4260743523r.jpg) ![3224 Cliffs #86 - Photo 8](http://lh.rdcpix.com/49a9923c836391070192551c2855576fl-f513581640r.jpg) ![3224 Cliffs #86 - Photo 9](http://lh.rdcpix.com/49a9923c836391070192551c2855576fl-f2937104861r.jpg) ![3224 Cliffs #86 - Photo 10](http://lh.rdcpix.com/49a9923c836391070192551c2855576fl-f1468645634r.jpg) ![3224 Cliffs #86 - Photo 11](http://lh.rdcpix.com/49a9923c836391070192551c2855576fl-f3397343486r.jpg) ![3224 Cliffs #86 - Photo 12](http://lh.rdcpix.com/49a9923c836391070192551c2855576fl-f2857565199r.jpg) ![3224 Cliffs #86 - Photo 13](http://lh.rdcpix.com/49a9923c836391070192551c2855576fl-f3021986332r.jpg) ![3224 Cliffs #86 - Photo 14](http://lh.rdcpix.com/49a9923c836391070192551c2855576fl-f783289053r.jpg) ![3224 Cliffs #86 - Photo 15](http://lh.rdcpix.com/49a9923c836391070192551c2855576fl-f2543531011r.jpg) ![3224 Cliffs #86 - Photo 16](http://lh.rdcpix.com/49a9923c836391070192551c2855576fl-f463528328r.jpg) ![3224 Cliffs #86 - Photo 17](http://lh.rdcpix.com/49a9923c836391070192551c2855576fl-f1891113789r.jpg) ![3224 Cliffs #86 - Photo 18](http://lh.rdcpix.com/49a9923c836391070192551c2855576fl-f2296001130r.jpg) ![3224 Cliffs #86 - Photo 19](http://lh.rdcpix.com/49a9923c836391070192551c2855576fl-f3799803402r.jpg) ![3224 Cliffs #86 - Photo 20](http://lh.rdcpix.com/49a9923c836391070192551c2855576fl-f2622663982r.jpg) ![3224 Cliffs #86 - Photo 21](http://lh.rdcpix.com/49a9923c836391070192551c2855576fl-f340035492r.jpg) ![3224 Cliffs #86 - Photo 22](http://lh.rdcpix.com/49a9923c836391070192551c2855576fl-f3718190692r.jpg) ![3224 Cliffs #86 - Photo 23](http://lh.rdcpix.com/49a9923c836391070192551c2855576fl-f2935072830r.jpg) ![3224 Cliffs #86 - Photo 24](http://lh.rdcpix.com/49a9923c836391070192551c2855576fl-f469461497r.jpg) ![3224 Cliffs #86 - Photo 25](http://lh.rdcpix.com/49a9923c836391070192551c2855576fl-f2350228692r.jpg) ![3224 Cliffs #86 - Photo 26](http://lh.rdcpix.com/49a9923c836391070192551c2855576fl-f3074942308r.jpg) ![3224 Cliffs #86 - Photo 27](http://lh.rdcpix.com/49a9923c836391070192551c2855576fl-f2170263413r.jpg) --- **MLS#:** 479613 | **Updated:** 2026-07-13 **Source:** listhub *Copyright © 2026 Northern Michigan MLS. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.* [View on PropertySimple](https://www.propertysimple.ai/listing/3224-cliffs-bay-harbor-mi-49770-s479613) --- ## Structured Data ```json { "@context": "https://schema.org", "@type": "RealEstateListing", "@id": "https://www.propertysimple.ai/listing/3224-cliffs-bay-harbor-mi-49770-s479613#listing", "url": "https://www.propertysimple.ai/listing/3224-cliffs-bay-harbor-mi-49770-s479613", "name": "3224 Cliffs #86, Bay Harbor, MI 49770", "description": "Perched above the Lake Michigan shoreline, this stunning residence offers panoramic water views and the rare opportunity to own a an updated, move-in ready condominium in Bay Harbor. Enjoy the most spectacular panoramic views of Little Traverse Bay and Lake Michigan from this upper level condo in the Cliffs at Bay Harbor. Located on the desirable East side of this private-gated Association. . The Cliffs association is a beautifully landscaped oasis within the greater Bay Harbor resort community. This association has a clubhouse with indoor pool/hot tub and a full-time on-site management. This home is being sold furnished. Includes a GEM car. Ownership includes access and a required membership to the world-class Bay Harbor Yacht Club, offering dining, fitness, spa, and social activities just steps away. 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