Is Charlevoix, MI dog-friendly?

As of early 2026, 95% of users say it's dog friendly

Are yards well-kept in Charlevoix, MI?

As of early 2026, 91% of users say yards are well-kept

Does Charlevoix, MI show holiday spirit?

As of early 2026, 89% of users say there's holiday spirit

Is a car needed in Charlevoix, MI?

As of early 2026, 83% of users say car is needed

Is there wildlife in Charlevoix, MI?

As of early 2026, 83% of users say there's wildlife

Is parking easy in Charlevoix, MI?

As of early 2026, 83% of users say parking is easy

Would people walk alone at night in Charlevoix, MI?

As of early 2026, 78% of users say people would walk alone at night

Do kids play outside in Charlevoix, MI?

As of early 2026, 70% of users say kids play outside

Are neighbors friendly in Charlevoix, MI?

As of early 2026, 67% of users say neighbors are friendly

Is Charlevoix, MI quiet?

As of early 2026, 66% of users say it's quiet

Do residents of Charlevoix, MI plan to stay at least 5 years?

As of early 2026, 63% of users say they plan to stay for at least 5 years

Is Charlevoix, MI walkable to restaurants?

As of early 2026, 60% of users say it's walkable to restaurants

Does Charlevoix, MI have sidewalks?

As of early 2026, 51% of users say there are sidewalks

Are the streets well-lit in Charlevoix, MI?

As of early 2026, 51% of users say streets are well-lit

Is Charlevoix, MI walkable to grocery stores?

As of early 2026, 47% of users say it's walkable to grocery stores

Are there community events in Charlevoix, MI?

As of early 2026, 34% of users say there are community events

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 $2,895 (about $2,436 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 $457,700 .

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.

FOR SALE

0.69 ACRES

638 Division St
Charlevoix, MI 49720

3 Beds
1 Bath
1,636 sqft (on 0.69 acres)

$464,999

$479,000

Est. Mortgage $2,827/mo*

Get Pre-Qualified

$464,999

$479,000

Est. Mortgage $2,827/mo*

Get Pre-Qualified

3 Beds

1 Bath

1,636 sqft

(on 0.69 acres)

Home Highlights

Parking

Garage

Outdoor

Deck

Climate Control

Heating & Cooling

Price/Sqft

$284

Listed

91 days ago

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

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.

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: 91

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

Last check for updates: about 9 hours ago

Listing courtesy of Steve Andreae

Pat O'Brien & Associates - Charlevoix, (231) 547-7701

Source: Northern Michigan MLS, MLS#479289

Market trends in Charlevoix

Last updated June 2026

Avg. sale price

—

Sale-to-List Price

—

Price per sq ft

—

Available listings

127

27MoM

Price History for 638 Division St

Date	Price	Event	Source
08/06/2026	$464,999	PriceChange	Northern Michigan MLS #479289
Price Change $14,001 (-3%)
07/08/2026	$479,000	PriceChange	Northern Michigan MLS #479289
Price Change $20,000 (-4%)
05/09/2026	$499,000	Listed For Sale	Northern Michigan MLS #479289

06/22/2018	$189,000	Sold	N/A
Recording Date 06/22/2018 County Transfer Tax N/A Total Transfer Tax N/A
06/01/2018	$189,000	Listed For Sale	Agent Provided

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Property Tax and Assessment

Year	2025
Tax	$3,952
Assessment	$417,000

Home facts updated by county records

Comparable Sales for 638 Division St

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
314 Prospect St, Charlevoix, MI	0.27	Single-Family Home	$375,000	08/15/25	2	1.5	1,385
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
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OFF MARKET
Est. $490,700
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Additional Cost

Assigned Schools

These are the assigned schools for 638 Division St.

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
78 % Say people would walk alone at night
70 % Say kids play outside
67 % Say neighbors are friendly
66 % Say it's quiet
63 % Say they plan to stay for at least 5 years
60 % Say it's walkable to restaurants
51 % Say there are sidewalks
51 % Say streets are well-lit
47 % Say it's walkable to grocery stores
34 % Say there are community events

Sourced by Trulia users. Learn more about our methodology.

Tvanillo
Resident
1y ago
"The neighbor is very quiet and small. You can mostly walk your animals everywhere throughout the town easily with no problem"
0
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Tvanillo
Resident
1y ago
"It is a small and unique little town that also has a drawbridge that brings its own personality to the city. "
0
Flag
Yadhe10
Visitor
5y ago
"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
Flag
Hannah5tucker
Visitor
6y ago
"They have a brand new elementary school. The people are extremely friendly. It’s absolutely beautiful here too!"
0
Flag
Charie A.
Resident
6y ago
"Too many other dogs in the neighborhood of my house. Trails and lake nearby. I love Charlevoix !!!!!!"
0
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Sue G.
Resident
7y ago
"I live in the country, so it’s a great place for pets! Dogs are most popular! Lots of dogs in our neighborhood!"
0
Flag
Robynmcc86
Resident
8y ago
"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
13y ago
"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."
0
Flag
ExecRelo
14y ago
"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."
0
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LGBTQ Local Legal Protections

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 $2,895 (about $2,436 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 $457,700.
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.

Steve Andreae, Pat O'Brien & Associates - Charlevoix, (231) 547-7701

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.

638 Division St
Charlevoix, MI 49720

$464,999