121 South St, Bellaire, MI, 49615
About This Home
Take a beautiful boat ride to Torch Lake with this rare opportunity to enjoy waterfront living just moments from downtown Bellaire. Nestled along the Intermediate River with 119 feet of private frontage, this well-maintained home offers direct access to Northern Michigan’s renowned Lower Chain of Lakes. A quick 15 minute boat ride to Lake Bellaire and only 45 minutes to the famous Torch Lake while placing you just a short stroll from Bellaire’s restaurants, shops, breweries, parks, and year-round community events. Opportunities to own a property that combines walkability, waterfront, and Chain of Lakes access in this location are few and far between. Inside, warm wood finishes, vaulted ceilings, expansive windows, and a striking stone fireplace create an inviting Up North atmosphere. The spacious deck overlooks the peaceful riverfront setting, while the backyard offers room to gather, relax, and enjoy life on the water. Whether you’re searching for a year-round residence, a Northern Michigan retreat, or an investment opportunity, this property offers an exceptional lifestyle in one of Bellaire’s most desirable locations. Complete with a detached two-car garage, municipal utilities, and immediate access to the natural beauty and recreation that make the Lower Chain of Lakes so sought after, this is a property you’ll enjoy in every season! Photos by Jason Knightwing Media.
Getting Around
Somewhat Walkable
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1942
Materials
- Foundation: Slab
- Roof: Asphalt
- Construction materials: Frame,Vinyl Siding
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Refrigerator,Oven/Range,Dishwasher,Microwave,Washer,Dryer
- Laundry features: Main Level
Bedroom2
- Area: 104
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 2
- Full bathrooms: 1
- 3/4 bathrooms: 1
- Main level bathrooms: 1
Features
- Other,Vaulted Ceiling(s),Cable TV,High Speed Internet,WiFi
- Fireplace: Yes
- Finished area below ground: 296
- Finished area above ground: 1,142
Heating & Cooling
- Heating features: Hot Water,Baseboard,Natural Gas,Fireplace(s)
- Cooling features: Ductless
Interior Area
- Total structure area: 1,438
- Total interior livable area: 1,438 sqft
Kitchen
- Area: 108
Living Room
- Area: 414
Master Bathroom
- Features: Shared
Master Bedroom
- Area: 165
Property
Accessibility
- Accessibility features: None
Details
- Parcel number: 054612404300
- Zoning description: Residential
Features
- Levels: One and One Half
- Stories: 1
- Patio & porch: Deck
- Exterior features: Rain Gutters
- On waterfront: Yes
- Waterfront features: River,Sandy Bottom
- Waterbody name: Intermediate River
- Frontage length: 119
Lot
- Lot size: 0.57 Acres
- Features: Corner Lot,Sloped,Metes and Bounds
- Lot size dimensions: 75 x 170 x 119 x 209
Parking
- Total spaces: 2
- Parking features: Detached,Concrete
- Has garage: Yes
- Attached garage spaces: 2
Climate Risk is Financial Risk
Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.
Biggest Threats for This Home
- Cold Wave
- Lightning
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters in Antrim County and Michigan
Understanding the Costs
Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.
Estimated Costs Today
| Monthly | Annual | |
|---|---|---|
| Mortgage | $3,791 | $45,492 |
| Home Insurance * | $273 | $3,276 |
| Property Taxes | $1,519 | $18,228 |
| Electricity | $188 | $2,259 |
| Total | $5,771 | $69,252 |
Income You'd Need if You Spent...
Michigan FAIR Plan Programs
How Costs Could Change Over Time
Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-08-14 | Price change | $699,900 |
| 2026-07-30 | Listed for sale | $749,900 |
| 2024-01-11 | Listing removed | $605,000 |
| 2023-07-27 | Sold | $90,000 |
| 2023-07-11 | Listed for sale | $605,000 |
| 2016-11-29 | Sold | $184,500 |
| 2016-08-05 | Price change | $199,000 |
| 2016-07-26 | Price change | $235,000 |
| 2016-06-22 | Listed for sale | $245,000 |
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