Sold
1198 108th Avenue, Otsego, MI 49078
Sold on 05/14/2026 for$400,000
MLS # 26007878 (Michigan Regional Information Center (MichRIC))
3 beds4 baths2,332 sqftBuilt 19960.92 acres
1 / 48
Listing Description
Experience the perfect blend of country serenity and modern convenience in this beautifully updated home, situated on a rare private double lot just north of downtown Plainwell. This residence offers an exceptional floor plan designed for effortless living, featuring a coveted main-floor primary ensuite and a convenient main-floor laundry room and additional 1/2 bath. The heart of the home is defined by soaring vaulted ceilings that open to the upper level with a sitting area, 2 bedrooms and a full bath. Thoughtful updates throughout, including stylish new tile, wood, and carpet flooring, along with refreshed kitchen and bath spaces that ensure this home is move-in ready. The living space extends into the impressive walk-out lower level, which boasts a recreation room, utility storage, and a versatile additional room perfect for a home office, man/woman cave, or craft studio. Step outside to enjoy the meticulously landscaped grounds, expansive composite deck and a spacious backyard
Source: SparkMLS
About this home
3-bedroom, 4-bath, 2,332 sq ft home in Gun Plain Township in Otsego built in 1996.
This home sold for $400,000 (about $172/sq ft).
Estimated annual property tax: $3,780, or about $315 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
Bedrooms3
Bathrooms4
Living Area2,332 sqft
Lot Size0.92 acres
Year Built1996
Stories2
Location
CityOtsego
MunicipalityGun Plain Twp
Zip Code49078
CountyAllegan
School DistrictPlainwell
Construction & Systems
StyleContemporary, Traditional
ConstructionVinyl Siding
BasementFull, Walk-Out Access
Garage2 spaces
HeatingForced Air
WaterWell
SewerSeptic Tank
UtilitiesElectricity Available, Cable Available, Cable Connected, High-Speed Internet
InteriorCeiling Fan(s), Broadband, Garage Door Opener, Pantry
Sale & Financing
Listed3/3/2026
Sold Date5/13/2026
Original Price$440,000
Terms AcceptedCash, FHA, Conventional
Source: SparkMLS
Tax Information
Annual Tax$3,780
Tax Year2025
Assessed Value$105,289
Parcel #08-018-011-53
Source: SparkMLS
Legal Description
● 08-018-011-53 (House) BEG AT NW SEC COR TH S ON W SEC LIN 200' TH E 100' TH N 200' TH W 100' TO POB SEC 18 T1N T11W (97) ● 08-018-011-52 (lot) COM AT NW COR TH E ON N SEC LIN 100' TO POB TH CONT E ON SD LIN 100' TH S 200' TH W 100' TH N TO POB SEC 18 T1N R11W (98)
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 Copeland
Five Star Real Estate
Frequently Asked Questions about 1198 108th Avenue, Otsego, MI 49078
Which school district serves 1198 108th Avenue, Otsego, MI 49078?
Per MLS# 26007878, 1198 108th Avenue, Otsego, MI 49078 is in the Plainwell boundaries. School district assignments are determined by property location and may differ from the mailing city. Contact Plainwell directly to confirm enrollment eligibility.
What type of financing is accepted for this listing?
Per MLS# 26007878, this listing accepts Cash, FHA, 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 1198 108th Avenue, Otsego, MI 49078?
Per public tax records, annual property taxes for this property are $3,780 (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, 1198 108th 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 1198 108th 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 1198 108th Avenue, Otsego, MI 49078?
Per Michigan Public Service Commission service territory data: Electric: Consumers Energy Company. Gas: Michigan Gas Utilities Corporation. Sewer: Septic Tank. 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 Gun Plain Twp police department or the Allegan County sheriff's office.
Loading map...
Mortgage Calculator
$
%
$
$
$
Monthly payment$2,757
Principal & interest$2,757
Estimate only. Does not include PMI or other fees. Consult a lender for exact rates.
Utilities
Consumers Energy Company
Investor-Owned
Michigan Gas Utilities Corporation
Investor-Owned
MI Public Service Commission service territory boundaries.
Property
1198 108th Avenue, Otsego, MI 49078
View full property history →
Municipality
Gun Plain Township
View all listings →
Get email alerts for new listings near 1198 108th Avenue
We'll notify you when something hits the market in Gun Plain Township or nearby.
Munro Real Estate · MI Broker #6502405404 · No spam, one-click unsubscribe.