For Sale
10260 Swem Street NE, Rockford, MI 49341
$475,000
MLS # 26021925 (Michigan Regional Information Center (MichRIC))
3 beds2 baths1,344 sqftBuilt 19890.23 acres
1 / 42
Listing Description
Nestled on the corner of beautiful Scram Lake, this inviting 3-bedroom, 2-bath home offers the perfect blend of comfort, and low-maintenance waterfront living. Inside, you'll find a warm and welcoming layout featuring a stunning stone fireplace, updated kitchen with bright white cabinetry, stainless steel appliances, and an open dining area with incredible lake views. Sliding doors lead to an expansive deck overlooking the water -- ideal for entertaining, relaxing, or enjoying peaceful sunsets on the lake. The home is filled with natural light, while thoughtful updates and finishes make it move-in ready. Outside, enjoy the oversized 2-stall garage, storage shed, and easy access to all that lake life has to offer. Whether you're looking for a year-round residence or the perfect waterfront getaway, this Scram Lake gem delivers exceptional views and comfort in a serene setting. *$200/quarter for Sewer* Association Optional
Source: SparkMLS
About this home
Located in Oakfield Township in Rockford, this property offers 3-bedroom, 2-bath, 1,344 sq ft, with original construction dating to 1989.
Asking $475,000 (about $353/sq ft).
Estimated annual property tax: $1,815, or about $151 monthly. Tax figure is from the MLS listing record; verify with the county treasurer for the most current amount.
Electric service is provided by Consumers Energy Company; natural gas by DTE Gas Company.
Listing Property Details
Property TypeResidential
Property SubtypeManufactured Home
Bedrooms3
Bathrooms2
Living Area1,344 sqft
Lot Size0.23 acres
Year Built1989
Stories1
Location
CityRockford
MunicipalityOakfield Twp
Zip Code49341
CountyKent
School DistrictCedar Springs
Construction & Systems
StyleRanch
ConstructionVinyl Siding
BasementCrawl Space
Garage2 spaces
HeatingForced Air
WaterWell
SewerPublic
Sale & Financing
Listed5/12/2026
Original Price$500,000
Terms AcceptedCash, FHA, VA Loan, Conventional
Source: SparkMLS
Tax Information
Annual Tax$1,815
Tax Year2025
State Equalized Value$121,000
Taxable Value$76,625
Assessed Value$74,611
Parcel #410818476025
Source: Public Records
Legal Description
LOTS 1 & 2 * WILLIAMS SUPERVISOR PLAT
Property Records
FEMA Flood Zone: Zone X — Minimal flood risk
Source: FEMA NFHLUSDA Rural Development: Eligible — 0% Down Payment Available
Verify eligibility at USDAListed by Jennifer K Tramper
Rockford Realty Co.
Frequently Asked Questions about 10260 Swem Street NE, Rockford, MI 49341
Which school district serves 10260 Swem Street NE, Rockford, MI 49341?
Per MLS# 26021925, 10260 Swem Street NE, Rockford, MI 49341 is in the Cedar Springs boundaries. School district assignments are determined by property location and may differ from the mailing city. Contact Cedar Springs directly to confirm enrollment eligibility.
Can I use FHA or VA financing for this property?
Per MLS# 26021925, this listing accepts Cash, FHA, VA Loan, Conventional financing. FHA financing can offer lower down payment requirements for qualified buyers. Financing acceptance is subject to change — confirm with the listing agent.
What are the property taxes at 10260 Swem Street NE, Rockford, MI 49341?
Per public tax records, annual property taxes for this property are $1,815 (2025). Michigan property taxes are based on a property's taxable value multiplied by the local millage rate. Primary residences qualify for a homestead exemption that lowers the rate.
Can I use a USDA Rural Development loan for this property?
Per USDA Rural Development boundary data, 10260 Swem Street NE, Rockford, MI 49341 is in an eligible area. USDA RD loans offer 0% down payment for qualified buyers. Verify current eligibility at the USDA eligibility site, as boundaries are updated periodically.
Is 10260 Swem Street NE, Rockford, MI 49341 in a flood zone?
Per FEMA flood maps, this property is designated as Zone X, a minimal-risk flood area. Flood insurance is not typically required in this zone but may still be advisable. FEMA flood maps are updated periodically — verify the current designation at msc.fema.gov.
What utilities serve 10260 Swem Street NE, Rockford, MI 49341?
Per Michigan Public Service Commission service territory data: Electric: Consumers Energy Company. Gas: DTE Gas Company. Sewer: Public. Water: Well. Confirm service details directly with providers.
What is the crime rate in this area?
For crime and public safety data, we recommend inquiring directly with the Oakfield Twp police department or the Kent County sheriff's office.
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Monthly payment$3,081
Principal & interest$3,081
Estimate only. Does not include PMI or other fees. Consult a lender for exact rates.
Utilities
Consumers Energy Company
Investor-Owned
DTE Gas Company
Investor-Owned
MI Public Service Commission service territory boundaries.
Property
10260 Swem Street NE, Rockford, MI 49341
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Municipality
Oakfield Township
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