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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
  • 2 stories
  • 2 parking spaces
  • Fireplace

Property Details

2 stories
3 full, 1 half
2 spaces
1975

Amenities

FireplaceBasement

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

Built In MicrowaveCeiling FansCentral AirDishwasherDryerPatioPaved DriveRangeRefrigeratorWasherWood FireplaceWood FloorsPaved Road

Property Details

Parking

GarageGarage - Attached

Heating

Forced AirNatural Gas

Cooling

Ceiling Fan(s)Central Air

Appliances

DishwasherDryerMicrowaveRangeRefrigeratorWasher

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, 2 stories, 2 parking spaces, Fireplace. Interior Features: Built In Microwave, Ceiling Fans, Central Air.

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

TH

Trish Hartwick

Agent at Coldwell Banker Schmidt - Petoskey

(231) 838-0411

Listed by Coldwell Banker Schmidt - Petoskey · View on Broker Site

MLS# 479054· Source: listhub· Updated today

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.

540 W Summit, Harbor Springs, MI 49740

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