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Patricia Rader
REALTOR®
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05520 Horton Creek Drive, Charlevoix, MI 49720

$3,995,000
  • 05520 Horton Creek Drive, Charlevoix, MI 49720 Main Photo

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New to the Market Active
BEDS4 BATHS3 full 1 partial SQUARE FEET2,840 MLS#479814
STATUSActive PROPERTY TYPEResidential - Single Family SCHOOLCharlevoix

Property Description

Nestled within the prestigious Horton Bay Association on the shores of Lake Charlevoix, this waterfront retreat offers 324' of private frontage and breathtaking panoramic views from Horton Bay Point. Enjoy spectacular sunrises, full moons reflecting across the water, and unmatched privacy surrounded by mature cedar and birch trees. The grounds are professionally landscaped and more than 2,000 Sq.Ft. of upper and lower decking create the perfect setting for outdoor entertaining, from shaded evening dinners overlooking the lake to gathering around the chiminea for fireside evenings. A convenient outdoor storage closet keeps lake toys and furnishings protected from the elements. At the shoreline, a large Bulmann dock with sitting platform and a protective organic boulder seawall provide the ultimate waterfront experience. Crystal-clear waters invite boating, kayaking, swimming, and peaceful evenings spent watching the sunset from the end of the dock. Residents also enjoy access to Horton Bay Club amenities, including a sandy beach, tennis courts, marina, walking trails, and the scenic bridge over Horton Creek. Inside, walls of windows frame stunning lake views and welcome refreshing lake breezes throughout the home. The spacious living areas are designed to maximize the waterfront setting, while the kitchen and dining area offer panoramic lake views and direct access to the deck, creating a seamless indoor-outdoor lifestyle. The home features 4 bedrooms and 3.5 baths, providing comfortable accommodations for family and guests. Quality custom furnishings enhance the home's relaxed elegance and timeless appeal. Additional highlights include an oversized detached two-car garage with loft space and a whole-house Generac natural gas generator for peace of mind. Ideally located between Boyne City, Charlevoix, Petoskey, and Bay Harbor, this extraordinary property offers easy access by both land and water to some of Northern Michigan's most desirable destinations!

05520 Horton Creek Drive | MLS# 479814

This single family home located at 05520 Horton Creek Drive, Charlevoix, MI 49720 is currently listed for sale with an asking price of $3,995,000. This property has 4 bedrooms and 3 full and 1 partial baths with 2840 sq. ft. Horton Creek Drive is located within the Charlevoix school district. Search Charlevoix real estate on www.callrader.com today.

Property Features

Property Type: Residential - Single Family
Garage: 2.5
Heating: Natural Gas, Forced Air
Roof Type: Asphalt Shingle

Feature Descriptions

Exterior: Wood Frame/Site Built, One Story
Sewer: Septic
Water: Community

Local Schools

School District: Charlevoix

Listed By / Shown By

Listed By

Agency Name: Kidd & Leavy Real Estate Co. LLC
Agency Phone: 231-439-2800

Shown By

Agent Name: Patricia Rader
Agent Phone: (419) 967-0018
Agency Title: Key Realty

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Estimated Payment

$ 23,512.10 per month $22,346.90 Principal & Interest $0.00 Property Tax (data not provided by mls) $1,165.21 Homeowner's Insurance

Change Payment Information

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Disclaimer: All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information on this site was last updated 06/19/2026. The listing information on this page last changed on 06/19/2026. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange program of Delta Media Group MLS (last updated Fri 06/19/2026 12:45:39 AM EST) or MichRic (Michigan Regional Information Center) (last updated Thu 06/18/2026 11:18:08 PM EST) or Metrolist - RECOLORADO by MLSGRID (last updated Thu 06/18/2026 11:34:47 PM EST) or MRED MLS (last updated Fri 06/19/2026 12:40:15 AM EST) or NIRA MLS (last updated Thu 06/18/2026 11:05:00 PM EST) or RealComp MLS (last updated Fri 06/19/2026 12:31:49 AM EST) or Dayton MLS (last updated Thu 06/18/2026 11:46:55 PM EST) or NORIS MLS (last updated Thu 06/18/2026 11:14:33 PM EST) or IRES MLS (last updated Fri 06/19/2026 12:17:25 AM EST) or Colorado Real Estate Network IDX (last updated Thu 06/18/2026 7:08:32 PM EST) or CBRMLS (last updated Fri 06/19/2026 12:39:55 AM EST) or Multiple Listing Service of Greater Cincinnati (last updated Thu 06/18/2026 11:53:42 PM EST) or Terrehaute MLS (last updated Fri 06/19/2026 12:41:29 AM EST) or elevate MLS (last updated Fri 06/19/2026 12:30:33 AM EST) or Stellar MLS (last updated Fri 06/19/2026 12:29:22 AM EST) or NKY MLS (last updated Thu 06/18/2026 11:28:32 PM EST) or Wrist MLS (last updated Thu 06/18/2026 11:24:33 PM EST) or Firelands MLS (last updated Thu 06/18/2026 11:11:43 PM EST) or LCAR MLS (last updated Thu 06/18/2026 10:51:43 AM EST) or West Central MLS (last updated Thu 06/18/2026 9:51:38 PM EST) or Fort Myers (last updated Thu 06/18/2026 11:04:47 PM EST) or Aspen/Glenwood Springs MLS (last updated Thu 06/18/2026 9:31:56 PM EST) or Northern Nevada Regional MLS (last updated Fri 06/19/2026 12:42:03 AM EST) or MLS NOW (last updated Fri 06/19/2026 12:17:47 AM EST) or Northern Great Lakes Association of Realtors (last updated Fri 06/19/2026 12:19:26 AM EST) or Mansfield MLS (last updated Thu 06/18/2026 11:47:26 PM EST) or Metropolitan Indianapolis Board of Realtors (last updated Fri 06/19/2026 12:36:36 AM EST) or Grand Junction MLS (last updated Thu 06/18/2026 11:37:23 PM EST) or Knox County MLS (last updated Thu 06/18/2026 11:08:26 PM EST) or IRMLS (last updated Thu 06/18/2026 11:13:01 PM EST) or Pueblo MLS (last updated Fri 06/19/2026 12:44:03 AM EST) or Upper Peninsula MLS (last updated Thu 06/18/2026 11:10:39 PM EST) or Greater Lansing MLS (last updated Thu 06/18/2026 10:35:45 PM EST) or SEBAR MLS (last updated Thu 06/18/2026 11:39:33 PM EST) or Water Wonderland MLS (last updated Thu 06/18/2026 10:52:53 PM EST) or Eastern Upper Peninsula MLS (last updated Thu 06/18/2026 11:59:44 PM EST) or Scioto Valley MLS (last updated Thu 06/18/2026 10:07:45 PM EST) or Northern Michigan MLS (last updated Thu 06/18/2026 9:35:52 PM EST). Real estate listings held by brokerage firms other than Key Realty may be marked with the Internet Data Exchange logo and detailed information about those properties will include the name of the listing broker(s) when required by the MLS. All rights reserved.
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