Sold
120 Cotton Lake Road, Battle Creek, MI 49014
Sold on 07/24/2025 for$336,900
MLS # 25016031 (Michigan Regional Information Center (MichRIC))
3 beds2 baths2,099 sqftBuilt 19301.94 acres
1 / 49
Listing Description
Affordable lakefront living on Cotton Lake! Discover the perfect blend of comfort, space, and natural beauty in this lovely Ranch home with 2,000 sqft. Situated on nearly 2 acres in a peaceful rural setting yet not far from B Dr/Beckley conveniences, this property offers breathtaking sunsets and direct access to Cotton Lake, creating an ideal retreat for year-round enjoyment. Step inside to an attractive open-concept layout featuring a spacious living room, dining area, and kitchen complete with plentiful cabinetry, tile backsplash and appliances—perfect for entertaining or quiet evenings at home. With three bedrooms, including a nice primary ensuite with a walk-in closet and water views. Modern finishes flow throughout, including stylish flooring, tiled bathrooms, central air, and
Source: SparkMLS
About this home
3-bedroom, 2-bath, 2,099 sq ft home in Newton Township in Battle Creek built in 1930.
This home sold for $336,900 (about $161/sq ft).
Annual property taxes run approximately $4,175 ($348/month). Tax figure is from the MLS listing record; verify with the county treasurer for the most current amount.
Broadband is available with download speeds up to 280 Mbps from 6 providers. Electric service is provided by Consumers Energy Company; natural gas by SEMCO Energy Gas Company.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms3
Bathrooms2
Living Area2,099 sqft
Lot Size1.94 acres
Year Built1930
Stories1
Location
CityBattle Creek
MunicipalityNewton Twp
Zip Code49014
CountyCalhoun
School DistrictHarper Creek Community Schools
Construction & Systems
StyleRanch
ConstructionBrick, Vinyl Siding
BasementCrawl Space, Partial
Garage2 spaces
HeatingForced Air
WaterWell
SewerSeptic Tank
InteriorEat-in Kitchen
Sale & Financing
Listed4/16/2025
Sold Date7/23/2025
Original Price$349,900
Terms AcceptedCash, FHA, VA Loan, Rural Development, Conventional
Source: SparkMLS
Tax Information
Annual Tax$4,175
Tax Year2025
Assessed Value$113,735
Parcel #17-180-039-00
Source: SparkMLS
Legal Description
NEWTON TWP.SEC.18 T3S R7W PART NW1/4 COM N88DEG 24'15''E 220 FT FROM NW COR THEREOF N88DEG 24'15''E 202 FT S02DEG 18'45''E 510 FT S88DEG 24'15''W ALG LAKE 101 FT N18DEG 50'50''W 293.46 FT N06DEG 39'30''W 230.61 FT TO POB
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 Noelle Pelton
Epique Realty
Frequently Asked Questions about 120 Cotton Lake Road, Battle Creek, MI 49014
What school district is 120 Cotton Lake Road, Battle Creek, MI 49014 in?
Per MLS# 25016031, this property is served by Harper Creek Community Schools. 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# 25016031, the seller has indicated this property accepts the following financing types: Cash, FHA, VA Loan, Rural Development, 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# 25016031, the most recent reported annual property tax for 120 Cotton Lake Road, Battle Creek, MI 49014 is $4,175 (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 120 Cotton Lake Road, Battle Creek, MI 49014 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, 120 Cotton Lake Road, Battle Creek, MI 49014 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.
Is fiber internet available at 120 Cotton Lake Road, Battle Creek, MI 49014?
Per FCC Broadband Data Collection filings, fiber internet is not currently available at 120 Cotton Lake Road, Battle Creek, MI 49014. The maximum advertised download speed is 280 Mbps. 6 internet providers serve this address. Confirm availability and speeds directly with providers.
Who are the utility providers for this property?
Per Michigan Public Service Commission service territory data: Electric: Consumers Energy Company. Gas: SEMCO Energy 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 Newton Twp police department or the Calhoun County sheriff's office.
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Monthly payment$2,185
Principal & interest$2,185
Estimate only. Does not include PMI or other fees. Consult a lender for exact rates.
Internet
Download
280 Mbps
Upload
30 Mbps
GSO SatelliteUnlicensed Fixed WirelessSatelliteDSLLicensed Fixed Wireless
6 providers at this address
StarlinkGSO Satellite
280 MbpsMercury FiberUnlicensed Fixed Wireless
150 MbpsViasat IncSatellite
100 MbpsHughesNetSatellite
50 MbpsAT&TDSL
10 MbpsT-MobileLicensed Fixed Wireless
0 MbpsFCC Broadband Data Collection (Dec 2025). Max advertised speeds.
Utilities
Consumers Energy Company
Investor-Owned
SEMCO Energy Gas Company
Investor-Owned
MI Public Service Commission service territory boundaries.
Property
120 Cotton Lake Road, Battle Creek, MI 49014
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Municipality
Newton Township
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