Sold
122 Mitchell Street, Otsego, MI 49078
Sold on 06/02/2026 for$240,000
MLS # 26014816 (Michigan Regional Information Center (MichRIC))
3 beds2 baths1,594 sqftBuilt 19000.38 acres
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Listing Description
Nestled on a serene and private lot, this inviting home offers a rare sense of seclusion with no neighbors behind the property to interrupt your view. The journey begins on the main floor, where a large living room serves as a bright centerpiece for relaxation. Just steps away, the oversized kitchen provides plenty of room for culinary creativity, flowing naturally into a spacious dining area designed for everything from quiet morning coffees to lively dinner parties. The main level is thoughtfully laid out for convenience, featuring a comfortable bedroom and a full bathroom. Tucked away for maximum functionality, a dedicated laundry room and half-bath round out the first floor. Upstairs, two more bedrooms provide quiet retreats, while the full basement offers a great space for storage.
Source: SparkMLS
About this home
Located in Otsego Township in Otsego, this property offers 3-bedroom, 2-bath, 1,594 sq ft, with original construction dating to 1900.
This home sold for $240,000 (about $151/sq ft).
Property tax estimate: $3,123 per year ($260/month). 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
Bathrooms2
Living Area1,594 sqft
Lot Size0.38 acres
Year Built1900
Stories2
Location
CityOtsego
MunicipalityOtsego City
Zip Code49078
CountyAllegan
School DistrictOtsego
Construction & Systems
StyleFarmhouse
ConstructionHardiPlank Type
BasementFull, Walk-Out Access
Garage2 spaces
HeatingForced Air
WaterPublic
SewerPublic
UtilitiesNatural Gas Connected
Sale & Financing
Listed4/20/2026
Sold Date6/1/2026
Terms AcceptedCash, FHA, VA Loan, Conventional
Concessions$5,000
Source: SparkMLS
Tax Information
Annual Tax$3,123
Tax Year2026
Assessed Value$71,892
Parcel #54-652-005-00
Source: SparkMLS
Legal Description
LOT 5 & W 1/2 LOT 6 BLOCK 2 PETER'S ADDITION.
Property Records
FEMA Flood Zone: Zone A — 100-year floodplain (no base flood elevation)
Flood insurance required for federally backed mortgages
Source: FEMA NFHLUSDA Rural Development: Eligible — 0% Down Payment Available
Verify eligibility at USDAListed by Christopher J Timmer
Keller Williams Harbortown
Frequently Asked Questions about 122 Mitchell Street, Otsego, MI 49078
What school district is 122 Mitchell Street, Otsego, MI 49078 in?
Per MLS# 26014816, this property is served by Otsego. 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# 26014816, 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# 26014816, the most recent reported annual property tax for 122 Mitchell Street, Otsego, MI 49078 is $3,123 (2026). 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 122 Mitchell Street, Otsego, MI 49078 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, 122 Mitchell Street, Otsego, MI 49078 is in flood zone A (high risk). Flood insurance is required for federally-backed mortgages in this zone. 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: Michigan Gas Utilities Corporation. Sewer: Public. Water: Public. Confirm service details directly with providers.
How safe is 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$1,524
Principal & interest$1,524
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
122 Mitchell Street, Otsego, MI 49078
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Municipality
Otsego Township
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