Roscommon Homes with FHA Listing Terms

Roscommon Homes with FHA Listing Terms

Welcome to Roscommon, Michigan, where community spirit and educational excellence thrive! Nestled in the heart of Roscommon County, this charming district is renowned for its commitment to providing a quality education to all students. The Roscommon School District is dedicated to fostering a supportive learning environment, ensuring that every child has the opportunity to succeed. With a range of educational programs and extracurricular activities, students here are encouraged to explore their interests and develop their talents.

Families considering a move to Roscommon will find a welcoming community that values education and supports its schools. The district boasts a variety of resources, including dedicated teachers and modern facilities, all aimed at nurturing the minds of future leaders. From early childhood programs to high school, Roscommon students receive a well-rounded education that prepares them for both college and career paths.

For those looking to settle in this idyllic area, there are homes available with FHA listing terms, making it easier for first-time buyers and families to find their dream home. The FHA loan program is designed to promote homeownership, offering flexible financing options that cater to a variety of budgets. With a range of charming properties set against the backdrop of Michigan's stunning natural beauty, you'll find homes that not only meet your needs but also provide a sense of belonging.

Explore the wonderful opportunities that await in Roscommon, where education meets community, and your dream home is just around the corner! Whether you’re drawn by the schools, the scenery, or the friendly atmosphere, Roscommon is a place where you can truly thrive.

Newest Roscommon Homes with FHA Listing Terms

$299,900
3 Beds ⋅ 2 Baths ⋅ 50218819 MLS ⋅ ACTIVE Status
Looking for the perfect year-round getaway or permanent home? Look no further! This beautiful 3-bedroom, 2-bath home is just a short walk from the hidden gem of All-Sports Higgins Lake. The neutral, open floor plan features a fully appliance kitchen with a convenient pantry, flowing into a fire-lit cathedral living room that creates a warm and inviting atmosphere. The spacious primary bedroom offers plenty of room to relax and includes a private full bath. The second full bath features a tiled finish and jetted tub—perfect for unwinding after a day at the lake. Higgins Lake spans approximately 9,900 acres, offering endless opportunities for boating, fishing, swimming, kayaking, and other water sports. Outdoor enthusiasts will also appreciate the nearby RV and snowmobile trails, skiing, parks, and walking and biking trails. Outside, the oversized garage provides abundant storage, while an additional shed offers even more space for your recreational gear. The private backyard is perfect for entertaining, featuring a composite deck for cookouts and paver-brick patio—ideal for relaxing around a bonfire on cool evenings. Nestled in beautiful Roscommon County with convenient highway access, this home truly offers the best of all worlds: lake-life fun, outdoor adventure, privacy, and year-round comfort. Public Elm Dock Association available - Ideal for loading and unloading. Come see everything this Higgins Lake home has to offer! Listing Agent Related to Seller.

10369 W Higgins Lake Road, Roscommon
$299,900
3 Beds ⋅ 2 Baths ⋅ 20261063446 MLS ⋅ ACTIVE Status
Looking for the perfect year-round getaway or permanent home? Look no further! This beautiful 3-bedroom, 2-bath home is just a short walk from the hidden gem of All-Sports Higgins Lake. The neutral, open floor plan features a fully appliance kitchen with a convenient pantry, flowing into a fire-lit cathedral living room that creates a warm and inviting atmosphere. The spacious primary bedroom offers plenty of room to relax and includes a private full bath. The second full bath features a tiled finish and jetted tub—perfect for unwinding after a day at the lake. Higgins Lake spans approximately 9,900 acres, offering endless opportunities for boating, fishing, swimming, kayaking, and other water sports. Outdoor enthusiasts will also appreciate the nearby RV and snowmobile trails, skiing, parks, and walking and biking trails. Outside, the oversized garage provides abundant storage, while an additional shed offers even more space for your recreational gear. The private backyard is perfect for entertaining, featuring a composite deck for cookouts and paver-brick patio—ideal for relaxing around a bonfire on cool evenings. Nestled in beautiful Roscommon County with convenient highway access, this home truly offers the best of all worlds: lake-life fun, outdoor adventure, privacy, and year-round comfort. Public Elm Dock Association available - Ideal for loading and unloading. Come see everything this Higgins Lake home has to offer! Listing Agent Related to Seller.

10369 W Higgins Lake Drive, Roscommon
$260,000
3 Beds ⋅ 2 Baths ⋅ 20261064891 MLS ⋅ ACTIVE Status
Escape to the Northwoods with this versatile Roscommon property offering an additional one-bedroom cottage/ADU, perfect for guests, extended family, a private home office, or potential rental income. Ideally located for enjoying the Up North lifestyle, the property is conveniently close to Kelly’s Beach and state land, providing easy access to swimming, fishing, hiking, hunting, wildlife watching, and year-round outdoor recreation.The main home and separate one-bedroom cottage create a flexible setup for a vacation getaway, full-time residence, or investment opportunity. Enjoy proximity to Higgins Lake, Houghton Lake, trails, forests, and countless recreational destinations while remaining close to Roscommon’s shopping, dining, and everyday conveniences.A unique opportunity to own a northern Michigan retreat with additional living space and easy access to some of the area’s best outdoor amenities.New roof summer 2026. 2 Charming cottages with a lake view just steps to Kelly's Beach on Higgins Lake. Stay in one and rent the other. Pack your bags or turn key investment.

217 Newman Street, Roscommon
$229,900
3 Beds ⋅ 2 Baths ⋅ 20261064794 MLS ⋅ ACTIVE BACKUP Status
Welcome to your Up North retreat! This spacious 1,200+ sq ft story and a half offers 3 bedrooms,2 full baths, and a full walkout basement, all set on 3.34 peaceful acres. Recent updates include new roof and siding, giving you peace of mind. Enjoy the outdoors from the covered wraparound porch or relax on the large covered patio below, where deer are frequent visitors right outside your back door. The property adjoins approximately 80 acres of state land, creating exceptional privacy and an expansive feel. Located in South Branch Township, Crawford County, with easy access to Roscommon, Higgins Lake, Houghton Lake, state land, trails, and all that Northern Michigan is known for, hunting, fishing, boating, ORV riding, and snowmobiling. The perfect blend of comfort, privacy, and outdoor adventure. Plus a versatile barn/garage, ideal for storage, workshop space, or toys.

1738 E Pioneer Road, Roscommon
$249,999
2 Beds ⋅ 1 Baths ⋅ 20261064007 MLS ⋅ ACTIVE Status
Welcome to this beautiful Higgins Lake getaway! Located on the desirable west side of the lake, this well-maintained home has the ideal combination of privacy, comfort, and access to everything that makes lake living so appealing.The home features two bedrooms, including a convenient main-level primary bedroom, plus an additional loft-style sleeping area and a bonus room above the garage. The kitchen is finished with granite countertops and provides a great space for everyday living or entertaining.Outside, you'll find a peaceful wooded setting with plenty of privacy and a spacious front deck that creates an inviting place to relax, enjoy your morning coffee, or gather with friends and family. Even better, the adjacent parcel is included, providing additional land and endless possibilities for enjoying the property.Whether you're looking for a year-round residence, weekend retreat, or a place to make lasting memories at Higgins Lake, this property is worth a look!

144 Garfield Boulevard, Roscommon
$165,000
3 Beds ⋅ 1 Baths ⋅ 50218307 MLS ⋅ ACTIVE Status
Unique opportunity in Prudenville! This 3-bedroom, 1-bath brick ranch offers approximately 1,524 square feet of single-level living, an attached two-car garage, a detached two-car garage and an approximately 900-square-foot outbuilding—all on one parcel. The spacious living room features large picture windows and a brick fireplace with a wood-burning insert. Additional highlights include a fenced backyard, concrete driveway, city sewer, private well and newer furnace, water heater and well pump. The additional building has separate gas and electric meters, with water reportedly available, offering excellent potential for a workshop, studio, storage or recreational space. Bring your finishing touches and make this versatile property your own!

403 Apple Blossom Avenue, Prudenville
$200,000
2 Beds ⋅ 1 Baths ⋅ 20261060065 MLS ⋅ ACTIVE BACKUP Status
Under contract with a 48-hour kick-out clause. Showings and backup offers are welcome! TURNKEY RECREATIONAL COMPOUND & HIGH-CAPACITY STR OPPORTUNITY! Discover a rare multi-structure setup on 0.42 acres, offering direct street-legal access to 50+ miles of DNR ORV trails and the famous Bull Gap Trail System in Huron National Forest. The primary 1,083 sq. ft. home was completely updated in 2019 and features a newer roof, windows, furnace, central A/C, well, septic, plumbing, remodeled bath, carpet, fireplace insert, and a natural gas conversion. Expand guest capacity or create the ultimate game room in the secondary 900 sq. ft. heated cabin/bunkhouse. Powersports enthusiasts will appreciate the heated 2-door workshop barn, custom-built for side-by-sides, ATVs, and snowmobiles. After a day on the trails, unwind in the 6-person Sundance spa set on finished concrete inside a fully fenced privacy yard. The expansive driveway provides generous parking for trucks towing 20- to 30-foot trailers (compliant with Richfield Twp Ord. #71). With a projected peak short-term rental revenue of $250–$375+/night, this turnkey property is ready to perform. Schedule your showing today!

9912 Avondale Court, St. Helen
$244,900
3 Beds ⋅ 2 Baths ⋅ 20261057817 MLS ⋅ ACTIVE Status
Better than new & truly turnkey! Built in 2021, this custom split ranch ranch offers modern finishes, quality construction, & peaceful Up North living. Sold fully furnished as shown, this home is ready for immediate enjoyment! The bright, open-concept floor plan features premium Armstrong flooring throughout the living areas & is centered around a stunning great room with a tray ceiling, recessed lighting, oversized picture window, & a stone front gas fireplace. The spacious island kitchen is beautifully appointed w/white shaker cabinetry, tiled backsplash, stainless appliances, farmhouse sink, pantry & abundant cabinet & counter space. The adjoining nook overlooks the yard & offers direct access to it. The generous primary suite features plush carpet w/upgraded pad, a walk-in closet, lighted fan & a private en-suite bath w/dual vanities & a beautifully tiled walk-in shower w/glass doors. 2 additional spacious bedrooms offer large closets, ceiling fans, & plush carpet. The 2nd full bath includes a full tub/shower & attractive finishes. A large 1st floor laundry/mudroom comes complete w/washer, dryer, utility sink/cabinet & direct access to the huge attached 2 car covered carport which can easily be enclosed as a garage. Addt'l highlights: 52" deep crawl space foundation, high-efficiency natural gas furnace-no LP gas, central air prep if desired, & a 50-year transferable warranty on the vinyl siding. You'll love the beautifully maintained grounds featuring a concrete patio & walkways, a large storage shed, & an oversized yard that backs to a 10-acre wooded parcel, providing privacy & a true up north setting. Located within walking distance to the subdivision's private beach on Lake St. Helen, complete with a gazebo & restroom, you'll enjoy access to year-round recreation. Whether you're searching for a full-time residence, vacation home, Airbnb investment, or weekend retreat, this fully furnished, move-in-ready property offers the best of Northern Michigan living.

1316 Leeward Lane, St. Helen
$399,000
3 Beds ⋅ 1 Baths ⋅ 26034259 MLS ⋅ ACTIVE Status
Higgins Lake/ Roscommon Area 3 bedroom, 1 Bath ranch style home on 7.6 acres of beautiful hardwoods. The home features some classic knotty pine interior with fireplace , And many updated item's to the home inside and out shows Great , detached workshop, and large separate pole barn to store all your toys. Beautiful elevations on the property mostly wooded. good hunting on the property and in the area. This property has a nice private back yard, close to Higgins Lake, Schools, Golfing, and is adjacent to State Land. You will enjoy all the area has to offer!

1799 W Sunset Drive, Roscommon
$365,000
4 Beds ⋅ 3 Baths ⋅ 20261042348 MLS ⋅ ACTIVE Status
Nestled on nearly 2.5 private acres in Roscommon County, this spacious 4-bedroom, 2.5-bath home offers over 2,500 sq ft of comfortable living surrounded by Northern Michigan beauty. Features include real hardwood flooring, Wallside windows with transferable warranty, a brand-new furnace (2026), roof replaced 6 months ago, fenced area for pets or children, and a functional layout ideal for year-round living or an Up North retreat. Enjoy expansive outdoor space perfect for entertaining, bonfires, gardening, or storing recreational toys. Conveniently located near Higgins Lake, Houghton Lake, state land, boating, beaches, hiking, ORV and snowmobile trails, this area is known as one of the lowest entry points into Northern Michigan's extensive trail system. Whether your looking for a full-time home, vacation getaway, or investment opportunity, this property offers the perfect blend of privacy, recreation, and Northern Michigan charm.

11050 Old Orchard Court, Roscommon
$450,000
3 Beds ⋅ 2 Baths ⋅ 20261030797 MLS ⋅ ACTIVE Status
Reduced another $20,000! Don't miss this incredible opportunity to own a beautifully updated ranch-style home in the peaceful Higgins Lake area. Originally offering approximately 1,500 square feet of living space on six lots, this home has been thoughtfully expanded to 2,301 square feet and now sits on 12 lots, providing exceptional privacy and plenty of room to enjoy the outdoors. This spacious home features 3 bedrooms and 2 full bathrooms on an expansive 100' x 300' corner lot (30,000 square feet). The property is well-equipped with a detached 2-car garage, a new 40' x 50' pole barn, two storage sheds, and a newly installed 22 kW Generac whole-house generator, offering abundant storage and peace of mind year-round. Located just a quarter mile from the boat launch in the highly desirable Sam-O-Set area, you'll have easy access to beautiful Higgins Lake for boating, fishing, swimming, and all-season recreation.The home has been extensively updated inside and out, including a newer roof, windows, flooring, carpeting, furnace, water heater, well tank, bathrooms, bedrooms, stacked washer and dryer, and custom blinds throughout. A spacious family room addition with a dry bar provides the perfect place to gather and entertain. One of the home's standout features is a custom Murphy door bookcase that discreetly opens to a walk-in closet and a secure room—ideal for storing valuables, creating a private office, or designing a hobby or craft room.A complete list of improvements is available with the listing documents. Buyers and buyers' agents are encouraged to verify all measurements and square footage. Whether you're looking for a year-round residence or the perfect Up North getaway, this exceptional property offers the ideal combination of space, comfort, storage, and convenient access to Higgins Lake.

144 CANTON Street, Roscommon
$333,000
3 Beds ⋅ 2 Baths ⋅ 20261032160 MLS ⋅ ACTIVE Status
Rare opportunity within walking distance to beautiful Higgins Lake! This updated 3-bedroom, 2-bath ranch offers 1,264 sq ft plus a finished walk-out basement, providing flexible living space for guests, entertaining, or year-round enjoyment in one of Northern Michigan’s most sought-after recreational areas.Featuring beautiful hardwood floors throughout the main level, this home is packed with major upgrades including a new furnace and A/C, whole-house Generac generator, water purifier and softener system, and a durable Husky metal roof—offering comfort, efficiency, and peace of mind for years to come. The home also includes a whole-house wood furnace system, providing an efficient and cost-saving supplemental heating option during the colder months.Enjoy added privacy and convenience with a privacy fence along the back property line as well as an installed electric dog fence already in place. Situated on 4 lots, the property offers plenty of space to relax, entertain, and enjoy the Up North lifestyle. An additional 4 cleared and buildable lots are also included in this sale, creating a rare opportunity for expansion, future building, or investment potential near Higgins Lake.

228 Clearview Drive, Roscommon
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