For Sale
15850 Oak Street, Decatur, MI 49045
$158,500
MLS # 26014786 (Michigan Regional Information Center (MichRIC))
1 bed1 bath624 sqftBuilt 19500.17 acres
1 / 10
Listing Description
Back on the market -- not due to seller or property! COME SEE this adorable cottage getaway! Escape to your own slice of paradise and enjoy fun in the sun, time on the water, or even year-round living. This charming cottage offers the perfect retreat for relaxing weekends or adventurous lake days. Boater's Dream! Ready for you to explore the beauty of Finch Lake, Big Fish Lake, and Saddlebag Lakes. This home includes lake access located between the white and blue houses, along with a shared boat dock used by only two other owners. Perfect for boating, fishing, and relaxing on the water! Move-In: All appliances are included, making it easy to start enjoying your getaway right away. With a little TLC needed. Whether you're soaking up the sunshine, cruising the lakes, or unwinding in a peaceful setting, this cozy cottage has everything you need. Don't miss your chance to own this perfect little escape! Message for details or to schedule a showing!
Source: SparkMLS
About this home
1-bedroom, 1-bath, 624 sq ft home in Decatur built in 1950.
Listed at $158,500 (about $254/sq ft).
Annual property taxes run approximately $1,542 ($129/month). Tax figure is from the MLS listing record; verify with the county treasurer for the most current amount.
Electric service is provided by Indiana Michigan Power Company; natural gas by Consumers Energy Company.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms1
Bathrooms1
Living Area624 sqft
Lot Size0.17 acres
Year Built1950
Stories1
Location
CityDecatur
MunicipalityMarcellus Twp
Zip Code49045
CountyCass
School DistrictMarcellus
Construction & Systems
StyleRanch
ConstructionVinyl Siding
BasementSlab
Garage1 space
HeatingBaseboard
WaterWell
SewerPublic
UtilitiesPhone Connected, Cable Connected, High-Speed Internet
InteriorCeiling Fan(s), Garage Door Opener
Sale & Financing
Listed4/15/2026
Original Price$160,000
Terms AcceptedCash, Conventional
HOA
HOA Fee$25
Source: SparkMLS
Tax Information
Annual Tax$1,542
Tax Year2025
Assessed Value$26,359
Parcel #14-050-007-014-00
Source: SparkMLS
Legal Description
455-395 430-119 65A-9 SEC 7 T5S R13W SEC 7 T5S R13W COM 25 FT N OF NE COR LOT 10, SCHLUTER'S ADD TO FINCH LAKE, TH N 89 DEG 22' W 47.98 FT, N 175 FT, S 89 DEG 22' E 47.98 FT, S 175 FT TO BEG, EX S 20 1/2 FT FOR HWY PURPOSES.
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 Tabitha Young
T's Realty
Frequently Asked Questions about 15850 Oak Street, Decatur, MI 49045
Which school district serves 15850 Oak Street, Decatur, MI 49045?
Per MLS# 26014786, 15850 Oak Street, Decatur, MI 49045 is in the Marcellus boundaries. School district assignments are determined by property location and may differ from the mailing city. Contact Marcellus directly to confirm enrollment eligibility.
Can I use FHA or VA financing for this property?
Per MLS# 26014786, this listing accepts Cash, Conventional financing. Financing acceptance is subject to change — confirm with the listing agent.
What are the property taxes at 15850 Oak Street, Decatur, MI 49045?
Per public tax records, annual property taxes for this property are $1,542 (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, 15850 Oak Street, Decatur, MI 49045 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 15850 Oak Street, Decatur, MI 49045 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 15850 Oak Street, Decatur, MI 49045?
Per Michigan Public Service Commission service territory data: Electric: Indiana Michigan Power Company. Gas: Consumers Energy Company. Sewer: Public. 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 Marcellus Twp police department or the Cass County sheriff's office.
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Mortgage Calculator
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Monthly payment$1,053
Principal & interest$1,028
HOA$25
Estimate only. Does not include PMI or other fees. Consult a lender for exact rates.
Utilities
Indiana Michigan Power Company
Investor-Owned
Consumers Energy Company
Investor-Owned
MI Public Service Commission service territory boundaries.
Property
15850 Oak Street, Decatur, MI 49045
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