Under Contract
11400 Phoebe Lane, Mecosta, MI 49332
$238,000
MLS # 26023027 (Michigan Regional Information Center (MichRIC))
1 bed1 bath480 sqftBuilt 19660.47 acres
1 / 26
Listing Description
Adorable 1 bedroom, 1 bath cottage on a channel of Round Lake giving highly sought after Tri-Lakes access! Enjoy beautiful water views, a peaceful creek running alongside the property into the channel, and a relaxing setting perfect for summer getaways. This turn-key property comes fully furnished and includes a Bennington pontoon with Mercury 50HP motor -- start enjoying lake life immediately! Features include a firepit, fish cleaning station, shed, and a spacious 24x36 garage with potential for additional living space, storage, or future conversion. Plenty of room for expansion and endless possibilities. If you are looking for a cozy retreat, this charming waterfront property is ready to enjoy!
Source: SparkMLS
About this home
Located in Mecosta, this property offers 1-bedroom, 1-bath, 480 sq ft, with original construction dating to 1966.
Currently offered at $238,000 (about $496/sq ft).
Annual property taxes run approximately $1,775 ($148/month). 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.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms1
Bathrooms1
Living Area480 sqft
Lot Size0.47 acres
Year Built1966
Stories1
Location
CityMecosta
MunicipalityMorton Twp
Zip Code49332
CountyMecosta
School DistrictChippewa Hills
Construction & Systems
StyleCabin
ConstructionVinyl Siding
BasementSlab
Garage2 spaces
HeatingForced Air
WaterWell
SewerSeptic Tank
InteriorCeiling Fan(s)
Sale & Financing
Listed5/17/2026
Terms AcceptedCash, Conventional
Source: SparkMLS
Tax Information
Annual Tax$1,775
Tax Year2025
Assessed Value$37,935
Parcel #5411-072-001-000 and 5411-072-001-001
Source: SparkMLS
Legal Description
SEC 07 T14N R08W LOT 1 PINE SPRINGS PARK INCLUDES ASSESSMENT FOR 11 007 017 001. SEC 7 T14N R08W COM AT SLY COR LOT 1 PINE SPRINGS PARK TH S 54 DEG 45 M W 103.58 FT TH N 35 DEG 4 M W 128.34 FT TH N 61 DEG 8 M E TO ELY LINE PHOEBE LN 104.19 FT TH S 35 DEG 4 M E 116.77 FT TO POB.SUBJECT TO R/W PARCEL A, ASSESSED UNDER 11 072 001 00 0
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 Neil Maneke
Century 21 White House Realty
Frequently Asked Questions about 11400 Phoebe Lane, Mecosta, MI 49332
What school district is 11400 Phoebe Lane, Mecosta, MI 49332 in?
Per MLS# 26023027, this property is served by Chippewa Hills. In Michigan, school district boundaries are set by the state and do not always follow city limits.
Can I use FHA or VA financing for this property?
Per MLS# 26023027, the seller has indicated this property accepts the following financing types: Cash, Conventional. Financing acceptance is subject to change — confirm with the listing agent.
How much are property taxes for this home?
Per MLS# 26023027, the most recent reported annual property tax for 11400 Phoebe Lane, Mecosta, MI 49332 is $1,775 (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.
Is 11400 Phoebe Lane, Mecosta, MI 49332 eligible for USDA financing?
Per USDA boundary maps, this property is located in a USDA-eligible area, which means qualified buyers may be able to finance with 0% down through the USDA Rural Development program. Confirm current eligibility directly with USDA.
What is the FEMA flood zone designation for this property?
Per FEMA's National Flood Hazard Layer, 11400 Phoebe Lane, Mecosta, MI 49332 is in flood zone X (minimal risk). 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.
Who are the utility providers for this property?
Per Michigan Public Service Commission service territory data: Electric: Consumers Energy Company. Gas: Consumers Energy Company. Sewer: Septic Tank. Water: Well. Confirm service details directly with providers.
How safe is this area?
For crime and public safety data, we recommend inquiring directly with the Morton Twp police department or the Mecosta County sheriff's office.
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Monthly payment$1,544
Principal & interest$1,544
Estimate only. Does not include PMI or other fees. Consult a lender for exact rates.
Utilities
Consumers Energy Company
Investor-Owned
Consumers Energy Company
Investor-Owned
MI Public Service Commission service territory boundaries.
Property
11400 Phoebe Lane, Mecosta, MI 49332
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