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About This Home

This 4-bedroom, 4-bathroom single family at 540 W SUMMIT in Harbor Springs, MI is listed for $699,000 ($264 per sqft). Built in 1975, the home offers 2,650 sqft of living space on a 0.36 acres lot.

Agent Description

Few locations in Harbor Springs offer this kind of everyday convenience walk or bike to downtown shops, restaurants, and the waterfront right from your door. Situated on a large corner lot, this well-cared-for home works equally well as a year-round residence or a northern Michigan retreat.

The main level is bright and welcoming, with natural light pouring through a large picture window in the living room, where a fireplace anchors the space for cool northern Michigan evenings. A separate den offers room to work from home, read, or host guests without disrupting the flow of the living areas.

Upstairs, the primary bedroom suite features a beautiful bath with a large tiled shower, a walk-in closet, and new carpet -- plus two additional bedrooms and another full bathroom. The finished lower level adds meaningful square footage with a family room, two flexible rooms that adapt easily to a 4th bedroom, home office, gym, or hobby space, and a full bath.

A two-car garage and a heating system replaced just two years ago round out a move-in-ready package. Outside, the corner lot provides generous yard space and a sense of openness that's hard to find this close to downtown Harbor Springs. Schedule your showing today.

Key Features

  • Built in 1975
  • 0.36 acre lot
  • Fireplace

Property Details

3 full, 1 half
1975

Amenities

Fireplace

Monthly Cost Estimate

$3,738/mo

20% down · 6.5% · 30 years

Principal$506
Interest$3,029
Insurance$204

Estimates only. Actual payments may vary.

Location

540 W SUMMIT

Harbor Springs, MI 49740

Features & Amenities

Interior Features

WASHERWOOD FLOORSCABLEPATIOCENTRAL AIRWOOD FIREPLACEPAVED ROAD THERMOCEILING FANSBUILT IN MICROWAVEINSULATEDCEILING FANSRANGEBUILT IN MICROWAVECEILING FANSDISHWASHERPAVED DRIVEINSULATEDDRYERREFRIGERATORCENTRAL AIR

Property Details

Heating

Forced AirNatural Gas

Questions & Answers

This 4-bedroom, 4-bathroom single family at 540 W SUMMIT is listed at $699,000 ($264/sqft). The estimated monthly payment is $3,029 based on 20% down at 6.5% interest.

Key features include: Built in 1975, 0.36 acre lot, Fireplace. Interior Features: WASHER, WOOD FLOORS, CABLE.

This property is listed by Trish Hartwick and can be reached at 2318380411 or trish@trishhartwick.com.

TH

Trish Hartwick

Agent at Petoskey

(231) 838-0411

Listed by Petoskey · View on Broker Site

MLS# 479054· Source: listhub· Updated today

Copyright © 2026 Coldwell Banker Schmidt REALTORS. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.

540 W SUMMIT, Harbor Springs, MI 49740

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