Sold
1954 Cygnet Drive, Otsego, MI 49078
Sold on 08/29/2025 for$425,000
MLS # 25034355 (Michigan Regional Information Center (MichRIC))
4 beds4 baths2,844 sqftBuilt 20040.7 acres
1 / 33
Listing Description
Tucked on a quiet cul-de-sac in Swan Bluff Estates, this warm and welcoming home offers space, updates, and a peaceful setting you'll love coming home to. The sellers have made thoughtful improvements, including a brand new roof in 2024 with a transferable warranty, a composite deck added in 2023, new A/C in 2020, and updated vinyl plank flooring throughout the main level. The refrigerator was replaced in 2023, and the brand-new washer stays with the home. Inside, you'll find 9-foot ceilings on the main and lower levels, hickory kitchen cabinets, maple flooring, a large pantry, and a cozy gas fireplace. The spacious main-floor suite includes a walk-in closet, walk-in shower, and whirlpool tub. A large laundry room, mudroom, and half bath round out the main level. Upstairs are two more gen
Source: SparkMLS
About this home
Located in Otsego Township in Otsego, this property offers 4-bedroom, 4-bath, 2,844 sq ft, with original construction dating to 2004.
Final sale price: $425,000 (about $149/sq ft).
Estimated annual property tax: $5,765, or about $480 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. Fiber internet is available at this address with download speeds up to 6,000 Mbps across 6 providers.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms4
Bathrooms4
Living Area2,844 sqft
Lot Size0.7 acres
Year Built2004
Stories2
Location
CityOtsego
MunicipalityOtsego Twp
Zip Code49078
CountyAllegan
School DistrictOtsego Public Schools
Construction & Systems
StyleTraditional
ConstructionVinyl Siding
BasementFull
Garage2 spaces
HeatingForced Air
WaterWell
SewerSeptic Tank
UtilitiesHigh-Speed Internet
InteriorGarage Door Opener
Sale & Financing
Listed7/11/2025
Sold Date8/28/2025
Original Price$425,000
Terms AcceptedCash, FHA, VA Loan, Rural Development, MSHDA, Conventional
Concessions$15,000
HOA
HOA Fee$400 / Annually
Source: SparkMLS
Tax Information
Annual Tax$5,765
Tax Year2026
Assessed Value$170,842
Parcel #17-630-001-18
Source: SparkMLS
Legal Description
UNIT 18 SWAN BLUFF ESTATES CONDOMINIUMS NW 1/4 SEC 28(SPLIT FROM 028-017-00 FOR 2002 ROLL)
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 Amy M Krumm
Five Star Real Estate
Frequently Asked Questions about 1954 Cygnet Drive, Otsego, MI 49078
Which school district serves 1954 Cygnet Drive, Otsego, MI 49078?
Per MLS# 25034355, 1954 Cygnet Drive, Otsego, MI 49078 is in the Otsego Public Schools boundaries. School district assignments are determined by property location and may differ from the mailing city. Contact Otsego Public Schools directly to confirm enrollment eligibility.
What type of financing is accepted for this listing?
Per MLS# 25034355, this listing accepts Cash, FHA, VA Loan, Rural Development, MSHDA, 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 1954 Cygnet Drive, Otsego, MI 49078?
Per public tax records, annual property taxes for this property are $5,765 (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.
Can I use a USDA Rural Development loan for this property?
Per USDA Rural Development boundary data, 1954 Cygnet Drive, 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 1954 Cygnet Drive, 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 internet service is available at this address?
Per FCC Broadband Data Collection filings, fiber internet is available at 1954 Cygnet Drive, Otsego, MI 49078. The maximum advertised download speed is 6.0 Gbps. 6 internet providers serve this address. Confirm availability and speeds directly with providers.
What utilities serve 1954 Cygnet Drive, 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 Otsego Twp police department or the Allegan County sheriff's office.
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Mortgage Calculator
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Monthly payment$2,751
Principal & interest$2,718
HOA$33
Estimate only. Does not include PMI or other fees. Consult a lender for exact rates.
Internet
FiberDownload
6 Gbps
Upload
6 Gbps
FiberGSO SatelliteSatelliteLicensed Fixed Wireless
6 providers at this address
123.NET IncFiber
6 GbpsMercury FiberFiber
5 GbpsStarlinkGSO Satellite
280 MbpsViasat IncSatellite
100 MbpsHughesNetSatellite
50 MbpsT-MobileLicensed Fixed Wireless
25 MbpsFCC Broadband Data Collection (Dec 2025). Max advertised speeds.
Utilities
Consumers Energy Company
Investor-Owned
Michigan Gas Utilities Corporation
Investor-Owned
MI Public Service Commission service territory boundaries.
Property
1954 Cygnet Drive, Otsego, MI 49078
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Municipality
Otsego Township
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