For Sale
11440 Elm Avenue, Howard City, MI 49329
$360,000
MLS # 26030009 (Michigan Regional Information Center (MichRIC))
5 beds2 baths2,432 sqftBuilt 20072.23 acres
1 / 31
Listing Description
Beautifully updated 5-bedroom home situated on over 2 private acres, offering plenty of space and a peaceful setting. Recent updates throughout make this home move-in ready, with modern finishes and comfortable living spaces. The spacious layout provides room for entertaining, working from home, or accommodating guests. Large sliders lead to a generous back deck, perfect for enjoying the outdoors, grilling, or relaxing while taking in the privacy of the property. The insulated and heated garage is ideal for year-round use, whether for vehicles, storage, hobbies, or a workshop. A large basement offers abundant storage and is ready to be finished into additional living space, a recreation room, fitness area, or whatever suits your needs. Conveniently located near Hardy Dam, Newaygo, and Sand Lake, you'll enjoy easy access to outdoor recreation while still having a private retreat to call home. Don't miss this opportunity to own a spacious home in a desirable location.
Source: SparkMLS
About this home
5-bedroom, 2-bath, 2,432 sq ft home in Howard City built in 2007.
Listed at $360,000 (about $148/sq ft).
Property tax estimate: $2,091 per year ($174/month). Tax figure is from the MLS listing record; verify with the county treasurer for the most current amount.
Electric service is provided by Great Lakes Energy Cooperative; natural gas by DTE Gas Company.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms5
Bathrooms2
Living Area2,432 sqft
Lot Size2.23 acres
Year Built2007
Stories1
Location
CityHoward City
MunicipalityEnsley Twp
Zip Code49329
CountyNewaygo
School DistrictGrant
Construction & Systems
StyleRanch
ConstructionVinyl Siding, Wood Siding
BasementCrawl Space
HeatingForced Air
WaterWell
SewerSeptic Tank
InteriorCenter Island, Pantry
Sale & Financing
Listed6/16/2026
Terms AcceptedCash, FHA, VA Loan, Conventional
Source: SparkMLS
Tax Information
Annual Tax$2,091
Tax Year2025
Assessed Value$92,114
Parcel #24-16-100-009
Source: SparkMLS
Legal Description
N 230 FT OF W 418 FT OF SW 1/4 NW 1/4. 2.2A M/L SEC 16, T11N R11W
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 Pamela Derks
Five Star Real Estate Fremont
Frequently Asked Questions about 11440 Elm Avenue, Howard City, MI 49329
What school district is 11440 Elm Avenue, Howard City, MI 49329 in?
Per MLS# 26030009, this property is served by Grant. In Michigan, school district boundaries are set by the state and do not always follow city limits.
What financing options are available for 11440 Elm Avenue, Howard City, MI 49329?
Per MLS# 26030009, the seller has indicated this property accepts the following financing types: Cash, FHA, VA Loan, Conventional. FHA financing can offer lower down payment requirements for qualified buyers. Financing acceptance is subject to change — confirm with the listing agent.
How much are property taxes for this home?
Per MLS# 26030009, the most recent reported annual property tax for 11440 Elm Avenue, Howard City, MI 49329 is $2,091 (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 11440 Elm Avenue, Howard City, MI 49329 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, 11440 Elm Avenue, Howard City, MI 49329 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: Great Lakes Energy Cooperative. Gas: DTE Gas 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 Ensley Twp police department or the Newaygo County sheriff's office.
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Monthly payment$2,335
Principal & interest$2,335
Estimate only. Does not include PMI or other fees. Consult a lender for exact rates.
Utilities
Great Lakes Energy Cooperative
Co-op
DTE Gas Company
Investor-Owned
MI Public Service Commission service territory boundaries.
Property
11440 Elm Avenue, Howard City, MI 49329
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