Troy Gahm - Smith Realty Group

Troy Gahm - Smith Realty Group ❄️ Northern MI Homes + Lifestyle
🏡 Helping Families Find Their "Finally Enough Space" Home
🛻 Looking To Make A Move To Northern Michigan?

Check Out Our Free 2026 Relocation Guide ⬇️ Hi, I’m Troy, a dedicated mortgage professional and real estate investor with over 25 years of experience in Northern Michigan. I’ve worked in home financing since the ripe age of 12, becoming known for my personal approach, deep local knowledge and commitment to delivering top-tier service. With a finance degree from Alma College, I’ve built a reputation as an industry leader in Northern Michigan – providing clients expert guidance and clear communication. Whether you want to buy, refinance, or renovate, I offer a variety of loan programs to achieve your goals. From conventional and jumbo to FHA and VA, we’ll discuss specifics and personalize the mortgage experience to fit your plans. Start your journey with America’s #1 Retail Mortgage Lender. Outside of business, I’m passionate about my community, often coaching youth sports, enjoying Northern Michigan’s outdoors, and pursuing ventures in land development, construction, and business partnerships across the real estate sector.

09/17/2026

If you’ve been waiting for the perfect blend of city convenience and backyard privacy, your search ends at 432 West St.

Priced at just $210,000, this charming 3-bedroom ranch offers over 2,000 sq ft of total living space, including a full basement ready for your personal touch. But the real showstopper? The massive, fully fenced-in backyard. Whether you’re hosting summer BBQs, letting the dogs run free, or starting a garden, this outdoor space is a massive bonus right within the city limits.

✨ Property Highlights:
3 Bedrooms / 1 Full Bath
Spacious fenced-in backyard (100x120 lot!)
Full basement for extra storage or living space
Prime location—walkable to downtown!
Listed at $210,000

Homes in this price point with this much yard space are incredibly rare right now. Click the link in my bio for the full video tour and contact me today to schedule your private showing!

🏗️ NEW LISTING | 4.26 ACRES OF COMMERCIAL POTENTIAL! 🏗️📍 Located on high-traffic South Otsego Ave, near downtown Ga***rd...
09/11/2026

🏗️ NEW LISTING | 4.26 ACRES OF COMMERCIAL POTENTIAL! 🏗️

📍 Located on high-traffic South Otsego Ave, near downtown Ga***rd, Michigan, this 4.26-acre commercial-zoned property is a blank canvas ready for your vision!

✨ Endless potential for an investor, entrepreneur, or business owner looking to bring their dream project to life.

🏪 Shop
🍽️ Restaurant
🏨 Hotel
🏢 Office or other commercial venture

💼 Commercial zoning with a wide variety of potential uses
📐 4.26 acres
🚗 High-traffic South Otsego Ave location
🔨 Ready to develop

Full listing information and photo gallery:
🌐https://www.smithrealtygaylord.com/property/201842621

🏗️ NEW LISTING | 4.26 ACRES OF COMMERCIAL POTENTIAL! 🏗️

📍 Located on high-traffic South Otsego Ave, this 4.26-acre commercial-zoned property is a blank canvas ready for your vision!

✨ Endless potential for an investor, entrepreneur, or business owner looking to bring their dream project to life.

🏪 Shop
🍽️ Restaurant
🏨 Hotel
🏢 Office or other commercial venture

💼 Commercial zoning with a wide variety of potential uses
📐 4.26 acres
🚗 High-traffic South Otsego Ave location
🔨 Ready to develop
💡 The possibilities are as big as your imagination!

Seize the opportunity to build your future in a prime location!

📲 Contact Sold On Michigan Team today for more information or to schedule a showing!

Full listing information and photo gallery:
🌐https://www.smithrealtygaylord.com/property/201842621

Smith Realty Group
989-732-2477

***rd

09/10/2026

Listed at $399k. Closed 35 days later at $434k—with 4 cash offers over asking and flexible post-closing occupancy so the seller didn't have to rush her move.

When you’ve lived in a home for 25+ years, your roots run deep. The nicks on the walls, the memories, the quiet peace of the neighborhood—it’s more than just real estate; it’s a lifetime of life happening.

I met this homeowner last year while door-knocking for a home we were selling right here in Crestwood, just down the road. We ended up having a great heart-to-heart on her front stoop talking about life, family, and growing up in Ga***rd. As we parted ways, I slipped her my card to make sure she had someone to call if she ever needed help over the winter. Fast forward to this spring: I got the call. She needed help. But it wasn't help shoveling, or pulling herself out of a ditch. She said I need your help selling my home. Representing her and getting her $35k over asking was an absolute honor.

Crestwood is easily one of the most special pockets in Ga***rd, Michigan, and the demand here right now is unmatched.

If you live in Crestwood—or anywhere in the Ga***rd area—and are curious about what your home could sell for in today’s market, let’s chat. No sales pitch, just real numbers and a plan tailored to you.

📲 Call/Text me directly or send a DM to start the conversation.

***rdMI ***rd ***rdRealEstate ***rdMichigan ***rd ***rdRealtor

🏡THE ULTIMATE UP-NORTH RETREAT OR AIRBNB CASH COW!❄️📍 9350 Alba Highway, Elmira, MI | Offered at $379,900🛏️ 4 Beds | 🛁 2...
09/03/2026

🏡THE ULTIMATE UP-NORTH RETREAT OR AIRBNB CASH COW!❄️

📍 9350 Alba Highway, Elmira, MI | Offered at $379,900

🛏️ 4 Beds | 🛁 2 Baths | 📐 2,500+ Sq Ft | 🚗 3-Stall Garage (960 Sq Ft)

Priced out of Ga***rd, Boyne, Petoskey, or Traverse City? Looking to trade the hustle of Metro Detroit, Grand Rapids, Lansing, Ann Arbor, or Flint for Northern Michigan freedom? Whether you want a turnkey primary home, an outdoor enthusiast’s staging pad, or a high-yielding short-term rental investment, this property hits every mark.

🔥 STANDOUT FEATURES YOU WON'T FIND ELSEWHERE:

$15,000 Clear-Span Truss Upgrade: ZERO basement support posts! Opens up a massive 33-foot lower-level living area with a walk-out wet bar, pellet stove, workout room, 4th bedroom, and a new cedar patio.

Massive 960 Sq Ft 3-Stall Garage: Twin-bay double garage PLUS a dedicated 16'x24' third stall with a private entrance—bring your boats, side-by-sides, ATVs, and snowmobiles!

Brand-New 1,000-Gallon Septic System: Installed and literally NEVER USED.

100% Turnkey Interior: Brand-new luxury vinyl plank flooring, new carpeting, fresh paint, updated light fixtures, and a modern kitchen with brand-new stainless steel Frigidaire appliances.

Built for All Seasons: Light-drenched 4-seasons room with electric zonal heat, propane fireplace, and a whole-house generator with an emergency panel transfer switch.

📍 THE LOCATION (Close to everything, far from crowded):

Boyne Mountain & Boyne City: 20–25 minutes ⛷️

Petoskey & Charlevoix: 35 minutes ⛵

Ga***rd: 18 minutes ⛳

Minutes from Lakes of the North, snowmobile & ATV trail systems, world-class golf, hunting, and fishing!

At ~$147/sq ft with zero project list, this won't last long.

📲 DM us directly or call (989) 614-1073 to schedule your private tour today!

***rdMI

Welcome to 9350 Alba Hwy! This turnkey 4-bed, 2-bath Elmira retreat offers 2,500+ sq ft of fully updated space. A prime primary home or high-performing Airbnb/STR minutes from Boyne, Petoskey, Lakes of the North, trails, golf, skiing & fishing! The main level boasts vaulted ceilings, a propane firep...

08/28/2026

LOVE ME SOME NEW BUILDS!

My favorite part about this home? In floor heat for the interior of the home AND the garage and of course a forced air system 🙏🏼 all while being fueled by NATURAL GAS

3 bed, 2 bath, one-car oversized garage... 8-10 minutes from five premium golf course courses downtown Ga***rd.

His home will be ready around mid September to the end of September and will be available for showings within a couple weeks.

If a home like this interests you, the builder does plan to build more. Please reach out if you have any questions or would like to start talking floor plans!

For about 30 years, my family owned a building right across the street from the Mount Carmel Centre. I actually grew up ...
08/04/2026

For about 30 years, my family owned a building right across the street from the Mount Carmel Centre. I actually grew up playing on the front steps of that beautiful church, exploring the inside, and experiencing the magic of this Ga***rd gem as a young kid. ⛪️✨

Having that kind of personal history with our local landmarks is exactly why I am so incredibly proud to serve on the board of the Otsego County Community Foundation (OCF).

We do so much meaningful philanthropic work right here in our own backyard, and it is an honor to be part of an organization that our community truly trusts to make a lasting impact.

Today, I’m thrilled to share that a dedicated group of supporters has officially established the Mount Carmel Center Fund through the OCF!

This 126-year-old historic landmark serves as a vibrant community hub for arts, culture, and connection. This newly created designated fund ensures that the building is properly restored, maintained, and preserved so future generations can experience it just like I did growing up.

There are countless ways to help sustain this treasured piece of Ga***rd history—whether through a donation to the fund, volunteering your time, or helping out with community events.

Check out the full article below to read more about this amazing fund and how the OCF continues to uplift our community! 👇

🔗 https://www.otsegofoundation.org/fund-spotlight-mount-carmel-center-fund/

Rising above Ga***rd’s landscape, the Mount Carmel Centre has long been a symbol of reflection, faith, and quiet strength—its presence a steady reminder of purpose and community. Now, thanks to the extraordinary foresight of a dedicated group of supporters, the Mount Carmel Centre fund has been ...

07/22/2026

🏡 Louie and I think this might be one of the most overlooked waterfront listings on the lake…

After spending time here today, I don’t think buyers are just looking for a lake house. They’re looking for a place where you can actually slow down, breathe, and enjoy the water.

Louie and I walked the property, and these are our TOP 3 favorite things about this home:

🌅 1. The Expanded Back Deck: Hands down some of the absolute best, sweeping lake views you’ll find anywhere on the water.

🚪 2. The Double French Doors: They flood the entire home with natural light and let that crisp Up North lake breeze flow straight through the house on a summer afternoon.

🌲 3. The Adjacent Vacant Lakefront Lot: THIS is the hidden gem. It gives you endless options—build a guest house, put up a pole barn/garage, or keep it completely untouched for ultimate privacy.

Sometimes the best lake home isn’t just about the interior updates—it’s about the lifestyle, the views, and the rare room to expand.

Watch the video to see Louie’s favorite spot on the deck, and let me know in the comments: If you bought this, would you build on the extra lot or keep it private? 👇

📍 7639 Arrowroot Trl • Ga***rd, MI 49735
💰 Offered at $369,000
📲 Message me directly to schedule a private showing before it’s gone!

https://soldonmichiganteam.idxbroker.com/idx/details/listing/b488/201839600/7693-Arrowroot-Ga***rd-MI-49735?widgetReferer=true #/

Address

1349 S Otsego Avenue
Gaylord, MI
49735

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