Pending
117 Helen Avenue, Otsego, MI 49078
$160,000
MLS # 26028167 (Michigan Regional Information Center (MichRIC))
2 beds1 bath1,014 sqftBuilt 19200.14 acres
1 / 22
Listing Description
Build equity instead of paying rent with this affordable Otsego home offering flexible land contract terms. Owner financing available with as little as $10,000 down and estimated payments under $1,500 per month, including taxes and insurance. This recently remodeled home features 2 bedrooms, including a spacious upper-level bedroom with an additional landing area perfect for an office, reading nook, or flex space. The main floor offers a second bedroom, updated living areas with new luxury vinyl plank flooring, a completely renovated bathroom, main floor laundry room, and updated plumbing throughout the home. Whether you're a first-time buyer, self-employed, or looking for an alternative to traditional financing, this property provides a rare opportunity to own a home and start building equity right away. Don't miss your chance to make homeownership a reality in the growing community of Otsego.
Source: SparkMLS
About this home
2-bedroom, 1-bath, 1,014 sq ft home in Otsego Township in Otsego built in 1920.
Currently offered at $160,000 (about $158/sq ft).
Estimated annual property tax: $1,749, or about $146 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 Michigan Gas Utilities Corporation.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms2
Bathrooms1
Living Area1,014 sqft
Lot Size0.14 acres
Year Built1920
Stories2
Location
CityOtsego
MunicipalityOtsego City
Zip Code49078
CountyAllegan
School DistrictOtsego
Construction & Systems
StyleFarmhouse
ConstructionVinyl Siding
BasementMichigan Basement
HeatingForced Air
WaterPublic
SewerPublic
Sale & Financing
Listed6/9/2026
Original Price$165,000
Terms AcceptedCash, FHA, VA Loan, Rural Development, Land Contract, Conventional
Source: SparkMLS
Tax Information
Annual Tax$1,749
Tax Year2013
Assessed Value$28,094
Parcel #54-250-040-00
Source: SparkMLS
Legal Description
COM AT NE COR OF LOT 40 OF EDSELL'S ADD CITY OF OTSEGO TH E'LY ALG S SIDE OF HELEN AVE 26' S'LY 90' W'LY PPL WITH SD AVE 41.5' N'LY 90' TO S SIDE OF SD AVE E'LY 13.08' TO POB EDSELL'S ADDITION (99)
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 Zac L Folsom
NextHome ONE of Kalamazoo
Frequently Asked Questions about 117 Helen Avenue, Otsego, MI 49078
Which school district serves 117 Helen Avenue, Otsego, MI 49078?
Per MLS# 26028167, 117 Helen Avenue, Otsego, MI 49078 is in the Otsego boundaries. School district assignments are determined by property location and may differ from the mailing city. Contact Otsego directly to confirm enrollment eligibility.
Can I use FHA or VA financing for this property?
Per MLS# 26028167, this listing accepts Cash, FHA, VA Loan, Rural Development, Land Contract, 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 117 Helen Avenue, Otsego, MI 49078?
Per public tax records, annual property taxes for this property are $1,749 (2013). 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, 117 Helen Avenue, Otsego, MI 49078 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 117 Helen Avenue, Otsego, MI 49078 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 117 Helen Avenue, Otsego, MI 49078?
Per Michigan Public Service Commission service territory data: Electric: Consumers Energy Company. Gas: Michigan Gas Utilities Corporation. Sewer: Public. Water: Public. 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 Otsego City police department or the Allegan County sheriff's office.
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Monthly payment$1,038
Principal & interest$1,038
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Utilities
Consumers Energy Company
Investor-Owned
Michigan Gas Utilities Corporation
Investor-Owned
MI Public Service Commission service territory boundaries.
Property
117 Helen Avenue, Otsego, MI 49078
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Municipality
Otsego Township
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