For Sale
11684 Ridge Water Drive NE, Sparta, MI 49345
$540,000
MLS # 26035004 (Michigan Regional Information Center (MichRIC))
4 beds3 baths2,464 sqftBuilt 20210.7 acres
1 / 75
Listing Description
Welcome to this exceptional one-owner home where thoughtful upgrades, modern luxury, and peaceful country living come together. Built in 2021 and situated on just under three-quarters of an acre, this beautifully maintained 4-bedroom, 3-bath home offers breathtaking pond views, an incredible backyard, and an ideal location just minutes from US-131. The heart of the home is the stunning chef's kitchen, featuring premium Thermador appliances, abundant workspace, and beautiful views overlooking the water. Whether you're preparing dinner or entertaining guests, this space is designed to impress. The open-concept layout flows seamlessly to the spacious deck, creating the perfect setting for indoor-outdoor living. Upstairs, you'll find three generously sized bedrooms along with a large loft/family room that offers endless possibilities as a media room, playroom, or additional living space. A dedicated main-floor office or den provides the perfect work-from-home setup, while the convenient
Source: SparkMLS
About this home
Located in Algoma Township in Sparta, this property offers 4-bedroom, 3-bath, 2,464 sq ft, with original construction dating to 2021.
Listed at $540,000 (about $219/sq ft).
Estimated annual property tax: $6,005, or about $500 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 SubtypeSingle Family Residence
Bedrooms4
Bathrooms3
Living Area2,464 sqft
Lot Size0.7 acres
Year Built2021
Stories2
Location
CitySparta
MunicipalityAlgoma Twp
Zip Code49345
CountyKent
School DistrictCedar Springs
Construction & Systems
StyleTraditional
ConstructionVinyl Siding
BasementDaylight, Full
Garage3 spaces
HeatingForced Air
WaterWell
SewerSeptic Tank
UtilitiesHigh-Speed Internet
InteriorCeiling Fan(s), Center Island, Eat-in Kitchen
Sale & Financing
Listed7/8/2026
Terms AcceptedCash, FHA, VA Loan, Conventional
HOA
HOA Fee$480 / Annually
IncludesTrash
Source: SparkMLS
Tax Information
Annual Tax$6,005
Tax Year2025
State Equalized Value$224,600
Taxable Value$207,323
Assessed Value$201,873
Parcel #410610451014
Source: Public Records
Legal Description
410610451014 UNIT 23 * RIDGE WATER ESTATES II KENT COUNTY CONDOMINIUM SUBDIVISION PLAN NO.981 INSTRUMENT NO.20141008-0083823 AMENDED BY REPLAT NO.1 INSTRUMENT NO.20180219-0012576 & AS AMENDED BY INSTRUMENT NO.20191218-0100130 SPLIT/COMBINED ON 11/12/ 2014 FROM 41-06-10-400-061, 41-06-10-400-058; SPLIT/COMBINED ON 03/01/2018 FROM 41-06-10-400-065;
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 Melissa Perrine
Bellabay Realty (North)
Frequently Asked Questions about 11684 Ridge Water Drive NE, Sparta, MI 49345
What school district is 11684 Ridge Water Drive NE, Sparta, MI 49345 in?
Per MLS# 26035004, this property is served by Cedar Springs. 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# 26035004, 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# 26035004, the most recent reported annual property tax for 11684 Ridge Water Drive NE, Sparta, MI 49345 is $6,005 (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 11684 Ridge Water Drive NE, Sparta, MI 49345 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, 11684 Ridge Water Drive NE, Sparta, MI 49345 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: 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 Algoma Twp police department or the Kent County sheriff's office.
Map
Mortgage Calculator
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Monthly payment$3,542
Principal & interest$3,502
HOA$40
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
11684 Ridge Water Drive NE, Sparta, MI 49345
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Municipality
Algoma Township
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