638 Division St, Charlevoix, MI 49720
Property image
Property image
FOR SALE
0.69 ACRES

$464,999

Original price: $479,000
  • 3 Beds
  • 1 Bath
  • 1,636 sqft (on 0.69 acres)

638 Division St, Charlevoix, MI 49720

Est. Mortgage $2,939/mo*
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Home Highlights

Single-Family Home
0.69 acre lot
$284/sqft
Garage

Local Information

  • Map ViewExplore the area around 638 Division St.
  • Schools1 Preschool School1 Elementary School1 Middle School1 High School
  • Shop & Eat
-- mins to
Commute Destination

About this House

What's unique:Sleek modern feelQuiet private office areaHickory floorsSpacious family room
Beautifully updated and modernized bi-level home with a 2 car garage all situated on a generous irrigated 100x330 in town parcel that offers privacy, expansion potential or room for a pole barn option as well. The main level features a sleek modern feel with hickory floors, a black walnut/beech breakfast bar, and open living areas. Stairs leading to the lower level are accented with a cherry railing, and custom designer Balusters. The lower level offers a third bedroom, spacious family room providing some "family separation" or a quiet private office area. The lower level also has accomodations for a second bath as well. All this situated near area beaches, restaurants, ski hill and 9 hole course. A partial furniture package could be provided for more immediate use. This property is ready for immediate occupancy in time to sit on the back deck enjoying summer activities.
Last check for updates: about 16 hours ago
Listing courtesy of Steve Andreae
Pat O'Brien & Associates - Charlevoix, (231) 547-7701
Source: Northern Michigan MLS, MLS#479289

Home Details for 638 Division St

Interior Features

Interior Details
Basement: Full,FinishedNumber of Rooms: 8Types of Rooms: Master Bedroom, Bedroom, Bedroom 1, Dining Room, Family Room, Kitchen, Living Room
Beds & Baths
Number of Bedrooms: 3Number of Bathrooms: 1Number of Bathrooms (full): 1
Dimensions and Layout
Living Area: 1636 Square Feet
Appliances & Utilities
Utilities: Cable ConnectedAppliances: Dishwasher, Disposal, Refrigerator, Washer, Dryer, RangeDishwasherDisposalDryerRefrigeratorWasher
Heating & Cooling
Heating: Natural Gas,Hot Water BaseboardHas CoolingAir Conditioning: Wall Unit(s)Has HeatingHeating Fuel: Natural Gas
Windows, Doors, Floors & Walls
Flooring: Wood
Levels, Entrance, & Accessibility
Floors: Wood

Exterior Features

Exterior Home Features
Patio / Porch: DeckOther Structures: Shed(s)
Parking & Garage
Number of Covered Spaces: 2No CarportHas a GarageNo Attached GarageParking: Detached Garage
Frontage
Road Surface Type: PavedNot on Waterfront
Water & Sewer
Sewer: Septic Tank

Days on Market

Days on Market: 136

Property Information

Property Type / Style
Property Type: Residential
Building
Construction Materials: Wood Frame/Site Built

Price & Status

Price
List Price: $464,999Price Per Sqft: $284

Active Status

MLS Status: Active

Location

Direction & Address
City: Charlevoix
School Information
Elementary School District: CharlevoixJr High / Middle School District: CharlevoixHigh School District: Charlevoix

Agent Information

Listing Agent
Listing ID: 479289

HOA

No HOA

Lot Information

Lot Area: 0.69 acres

Miscellaneous

BasementMls Number: 479289

Around this home

View nearby schools on GreatSchools
The GreatSchools Rating compares schools on a variety of school quality indicators including test scores, college readiness, equity and more. Learn more.

What Locals Say about Charlevoix

At least 32 Trulia users voted on each feature.

  • 95 % Say it's dog friendly

  • 91 % Say yards are well-kept

  • 89 % Say there's holiday spirit

  • 83 % Say car is needed

  • 83 % Say there's wildlife

  • 83 % Say parking is easy

  • 79 % Say people would walk alone at night

  • 70 % Say kids play outside

  • 67 % Say neighbors are friendly

  • 66 % Say it's quiet

  • 64 % Say they plan to stay for at least 5 years

  • 60 % Say it's walkable to restaurants

  • 52 % Say streets are well-lit

  • 51 % Say there are sidewalks

  • 48 % Say it's walkable to grocery stores

  • 34 % Say there are community events

Sourced by Trulia users. Learn more about our methodology.
  • Tvanillo
    "The neighbor is very quiet and small. You can mostly walk your animals everywhere throughout the town easily with no problem"
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  • Tvanillo
    "It is a small and unique little town that also has a drawbridge that brings its own personality to the city. "
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  • Yadhe10
    "Lovely place!! Beautiful views of Lake Michigan and lake Charlevoix, sand dunes and unbelievable sunsets !!!! Planning with my hubby to moved here or have a vacation place in the future! Looking forward to come back!!"
    1
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  • Hannah5tucker
    "They have a brand new elementary school. The people are extremely friendly. It’s absolutely beautiful here too!"
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  • Charie A.
    "Too many other dogs in the neighborhood of my house. Trails and lake nearby. I love Charlevoix !!!!!!"
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  • Sue G.
    "I live in the country, so it’s a great place for pets! Dogs are most popular! Lots of dogs in our neighborhood!"
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  • Robynmcc86
    "I have lives here for 20 years and it’s a good upper class style town with some nice outgoing people who are in the act of keeping a safe and friendly place for everyone to enjoy "
    18
    Flag
  • Sharon
    "There are beaches, music, festivals, fireworks, live entertainment, a city band shell with outdoor performances on the water front. A trout pond in the park and musical, lighted water fountain for the kids to play in."
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  • ExecRelo
    "The Susan Shores Subdivision of Hayes Township in Charlevoix County is located in the Lower Peninsula of Northwestern Michigan. Housing construction in Susan Shores, which is on the Western Shore of Susan Lake, is mixed and generally consists of single family homes on small (1) acre lots. Susan Shores residents are generally couples with school aged children. Comparatively, homes on the Eastern Shore of Susan Lake along Mulberry Lane are generally larger, up to ten acre estates bordering conserved lands and are part of a private home owners association that includes a horse corral. However, there is no home owners association in Susan Shores. The closest major cross street intersection is (Scenic Route M31 along Lake Michigan), and (C56-Boyne City Road). The largest cities nearby (driving) are downtown Charlevoix (5 minutes), Bay Harbor (15 minutes), Petoskey (22 minutes), Boyne City (17 minutes), Harbor Springs (35 Minutes), and Mackinaw Island (1 hour). Pellston Regional Airport in Petoskey (30 minutes) provides charter flight services to and from Detroit and Chicago. This home is near to biking trails along Lake Michigan, snowmobile trails, winter downhill skiing Mt. McSauba, Boyne Mountain, Boyne Highlands, and Nubs Nob, golf, community pool, and great hunting and fishing. Susan Lake is a small, shallow, warm water, all sports lake (approx. 130 acres) with one public access point. Susan Lake, though comparatively small to other lakes in the area, is well known by the local residents to contain a healthy population of small mouth bass, crappies, and northern pike for the warm water sport fishing enthusiast, but is still a secret to outsiders. Susan Lake sees little boat traffic in the Summer (affording a slight measure of greater water safety for smaller children because of the lesser boat traffic). Many Susan Lake residents like to take their pontoon boats out to the middle of the lake to swim, and also swim off anchored rafts."
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Market trends in Charlevoix

Last updated August 2026
Buyer'sMarketSeller'sMarket
Avg. sale price
—
Sale-to-List Price
—
Price per sq ft
—
Available listings
123
23MoM

Home Value

Trulia Estimate
$458K
Since last month
Increased$8K (+1.7%)
Since last year
Increased$72K (+18.6%)
Since last sale
Increased$269K (+142.1%)
Learn more about this home's value by checking out its Trulia Estimate, the value of nearby homes, and how much similar homes have sold for.

Trulia Estimate

The of this home's value increased by +184% in the last 10 years
MonthEstimated value
2026
September 2026$458K
August 2026$450K
July 2026$463K
June 2026$487K
May 2026$495K
April 2026$390K
March 2026$383K
February 2026$383K
January 2026$377K
2025
2024
2023
2022
2021
2020
2019
2018
2017
2016

Comparable sales

These are recently sold homes that have a similar location or other similar features to this home, like bedrooms, bathrooms, and square footage. Get a sense of the expected prices in the area by viewing these homes.
Address
Distance
Property Type
Sold Price
Sold Date
Bed
Bath
Sqft
408 Burns St, Charlevoix, MI
0.31
Single-Family Home
$307,500
10/08/25
2
1
982
8623 Mercer Rd, Charlevoix, MI
0.41
Single-Family Home
$485,000
03/24/26
4
2
1,700
9045 N Pointe Woods, Charlevoix, MI
0.58
Single-Family Home
$608,000
06/26/26
3
3
2,508
12289 Boyne City Rd, Charlevoix, MI
1.20
Single-Family Home
$295,000
05/08/26
3
1
1,100
112 W Lincoln St, Charlevoix, MI
1.15
Single-Family Home
$399,000
09/10/26
3
2
1,388
510 W Hurlbut St, Charlevoix, MI
1.44
Single-Family Home
$378,000
04/22/26
3
2
1,520
431 Michigan Ave, Charlevoix, MI
0.44
Single-Family Home
$3,450,000
01/02/26
10
7
7,676

Nearby home prices

Get a sense of expected prices in the area by checking the value of nearby homes.
Address
Distance
Price
Bed
Bath
Sqft
Status
610 Division, Charlevoix, MI 49720
0.11
$487,400
2
2
1,350
Off Market
623 Petoskey Ave, Charlevoix, MI 49720
0.14
$311,550
3
1.5
1,156
For Sale
608 Division Lot 19, Charlevoix, MI 49720
0.12
$514,500
2
2
1,370
Off Market
104 Peppervine Place, Charlevoix, MI 49720
0.13
$461,800
2
2
1,350
Off Market
114 Peppervine Place, Charlevoix, MI 49720
0.13
$518,800
3
2
1,450
Off Market
116 Peppervine Place Lot 9, Charlevoix, MI 49720
0.13
$490,500
3
2
1,200
Off Market
103 Peppervine Place #17, Charlevoix, MI 49720
0.13
$542,300
3
2
1,450
Off Market
105 Peppervine Place lot 16, Charlevoix, MI 49720
0.13
$559,000
3
2
1,470
For Sale
612 Division Lot 21 Peppervine Place, Charlevoix, MI 49720
0.16
$470,300
2
2
1,340
Off Market
106 Oak St, Charlevoix, MI 49720
0.21
$575,000
3
2
2,564
For Sale
314 Prospect St, Charlevoix, MI 49720
0.27
$386,400
2
1.5
1,385
Off Market

Price and Tax history

DateEventPrice
Aug 6, 2026
Source: Northern Michigan MLS #479289
PriceChange
$464,999
Price decreased by 3%
Jul 8, 2026
Source: Northern Michigan MLS #479289
PriceChange
$479,000
Price decreased by 4%
May 9, 2026
Source: Northern Michigan MLS #479289
Listed For Sale
$499,000
Jun 22, 2018
Source: N/A
Sold
$189,000
Jun 1, 2018
Source: Agent Provided
Listed For Sale
$189,000

LGBTQ Local Legal Protections

Steve Andreae, Pat O'Brien & Associates - Charlevoix, (231) 547-7701
Copyright Northern Michigan MLS (NM-MLSX). All rights reserved. Information is deemed reliable but not guaranteed.

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Frequently asked questions about 638 Division St

  • What is the estimated monthly payment for 638 Division St?
    Based on a $464,999 list price with 20% down at today's rates, the estimated monthly payment for 638 Division St in Charlevoix, MI is approximately $3,008 (about $2,549 principal & interest, $384 property taxes, and $75 homeowner's insurance). This is an estimate. Actual payment depends on your loan terms.
  • What do residents say about Charlevoix?
    Residents describe Charlevoix, MI as dog-friendly, well-kept, and easy to park in. Most residents say you need a car. See homes for sale in Charlevoix, MI.
  • What are the closest schools to 638 Division St?
    The closest schools to 638 Division St in Charlevoix, MI are Charlevoix Elementary School (Pre-K, rated 6/10), Charlevoix High School (Middle, rated 9/10).
  • What is 638 Division St estimated to be worth?
    Trulia's estimated value for 638 Division St in Charlevoix, MI is $457,500.
  • Does 638 Division St have air conditioning?
    Yes, 638 Division St in Charlevoix, MI has air conditioning.
  • Does 638 Division St have laundry facilities?
    Yes, 638 Division St in Charlevoix, MI has in-unit laundry.
638 Division St, Charlevoix, MI 49720 is a 3 bedroom, 1 bathroom, 1,636 sqft single-family home. This property is currently available for sale and was listed by Northern Michigan MLS on May 9, 2026. The MLS # for this home is MLS# 479289.