Sold
1937 Cygnet Drive, Otsego, MI 49078
Sold on 06/21/2026 for$395,000
MLS # 26024057 (Michigan Regional Information Center (MichRIC))
3 beds2 baths1,458 sqftBuilt 20210.92 acres
1 / 28
Listing Description
Magnificent private county setting at the end of a cul-de-sac in a Like New home minutes South from Otsego. Great little neighborhood with large lots, this one is just under an acre (survey attached). Vaulted great room with open floor plan to dining and sparkling kitchen with appliances and eating island. The dining area has slider to a patio overlooking a very private view. The Primary suite has a well layed out walk-in closet and bath with walk-in shower. The main floor laundry is right around the corner. The two additional bedrooms are at he opposite end of the house and has their own bath with tub. Home is newer and its very evident. The lower level is unfinished, but insulated. This lot is adjacent to the Associations Common land that is on the water.
Source: SparkMLS
About this home
3-bedroom, 2-bath, 1,458 sq ft home in Otsego Township in Otsego built in 2021.
Final sale price: $395,000 (about $271/sq ft).
Property tax estimate: $7,745 per year ($645/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 Area1,458 sqft
Lot Size0.92 acres
Year Built2021
Stories1
Location
CityOtsego
MunicipalityOtsego Twp
Zip Code49078
CountyAllegan
School DistrictOtsego
Construction & Systems
StyleRanch
ConstructionVinyl Siding
BasementFull
Garage2 spaces
HeatingForced Air
WaterWell
SewerSeptic Tank
InteriorCeiling Fan(s), Broadband, Garage Door Opener, LP Tank Rented, Center Island, Pantry
Sale & Financing
Listed5/20/2026
Sold Date6/20/2026
Terms AcceptedCash, FHA, VA Loan, Rural Development, Conventional
HOA
HOA Fee$400 / Annually
IncludesOther
Source: SparkMLS
Tax Information
Annual Tax$7,745
Tax Year2024
Assessed Value$215,900
Parcel #17-630-001-13
Source: SparkMLS
Legal Description
UNIT 13 SWAN BLUFF ESTATES CONDOMINIUMS
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 Dawn Spencer
Chuck Jaqua, REALTOR
Frequently Asked Questions about 1937 Cygnet Drive, Otsego, MI 49078
What school district is 1937 Cygnet Drive, Otsego, MI 49078 in?
Per MLS# 26024057, 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# 26024057, 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# 26024057, the most recent reported annual property tax for 1937 Cygnet Drive, Otsego, MI 49078 is $7,745 (2024). 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 1937 Cygnet Drive, 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, 1937 Cygnet Drive, Otsego, MI 49078 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.
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: 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 Otsego Twp police department or the Allegan County sheriff's office.
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Mortgage Calculator
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Monthly payment$2,563
Principal & interest$2,530
HOA$33
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
1937 Cygnet Drive, Otsego, MI 49078
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Municipality
Otsego Township
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