Sold
19975 Merritt Avenue, Chippewa Lake, MI 49320
Sold on 03/18/2026 for$410,000
MLS # 26001231 (Michigan Regional Information Center (MichRIC))
3 beds2 baths1,644 sqftBuilt 19600.44 acres
1 / 46
Listing Description
Must see, exceptional waterfront property located on one of the largest lots on Chippewa Lake. This ultraclean 3 bedroom, 2 bath home offers expansive lake frontage, stunning vistas, and year round enjoyment in a peaceful setting. The 1644 sq ft of living space features a true cottage feel with all the amenities of home. Use the fireplace when the season's chill sneaks into the air. Or read a book in your bright four season room overlooking the water. This home is perfect for relaxing, entertaining, or taking in the breathtaking sunsets. Recent upgrades include a new A/C, and new furnace, providing added comfort and long term peace of mind (many more updates.) The waterfront lot offers ample outdoor space for recreation, gatherings, and its own dock for direct access to the lake for boating, fishing, and swimming. Inside, the home provides comfortable living areas, nice proportioned bedrooms, and excellent natural light throughout.
Source: SparkMLS
About this home
This 3-bedroom, 2-bath, 1,644 sq ft home built in 1960 sits in Chippewa Lake.
This home sold for $410,000 (about $249/sq ft).
Annual property taxes run approximately $8,670 ($723/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 DTE Gas Company. Fiber internet is available at this address with download speeds up to 1,000 Mbps across 8 providers.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms3
Bathrooms2
Living Area1,644 sqft
Lot Size0.44 acres
Year Built1960
Stories2
Location
CityChippewa Lake
MunicipalityChippewa Twp
Zip Code49320
CountyMecosta
School DistrictChippewa Hills
Construction & Systems
StyleCabin
ConstructionAluminum Siding, Vinyl Siding
BasementCrawl Space, Slab
Garage3 spaces
HeatingForced Air
WaterPrivate Water, Well
SewerPublic
UtilitiesPhone Available, Natural Gas Available, Electricity Available, Cable Available, Phone Connected, Natural Gas Connected, Cable Connected
Sale & Financing
Listed1/10/2026
Sold Date3/17/2026
Terms AcceptedCash, FHA, VA Loan, Rural Development, Conventional
Source: SparkMLS
Tax Information
Annual Tax$8,670
Tax Year2026
Assessed Value$190,100
Parcel #5403-057-020-000
Source: SparkMLS
Legal Description
SEC 20&29 T16N R08W LOT 20, 21 GRISWOLD PLAT
Property Records
USDA Rural Development: Eligible — 0% Down Payment Available
Verify eligibility at USDAListed by Christopher Stirn
Century 21 White House Realty
Frequently Asked Questions about 19975 Merritt Avenue, Chippewa Lake, MI 49320
Which school district serves 19975 Merritt Avenue, Chippewa Lake, MI 49320?
Per MLS# 26001231, 19975 Merritt Avenue, Chippewa Lake, MI 49320 is in the Chippewa Hills boundaries. School district assignments are determined by property location and may differ from the mailing city. Contact Chippewa Hills directly to confirm enrollment eligibility.
What financing options are available for 19975 Merritt Avenue, Chippewa Lake, MI 49320?
Per MLS# 26001231, this listing accepts Cash, FHA, VA Loan, Rural Development, 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 19975 Merritt Avenue, Chippewa Lake, MI 49320?
Per public tax records, annual property taxes for this property are $8,670 (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, 19975 Merritt Avenue, Chippewa Lake, MI 49320 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.
What internet service is available at this address?
Per FCC Broadband Data Collection filings, fiber internet is available at 19975 Merritt Avenue, Chippewa Lake, MI 49320. The maximum advertised download speed is 1.0 Gbps. 8 internet providers serve this address. Confirm availability and speeds directly with providers.
What utilities serve 19975 Merritt Avenue, Chippewa Lake, MI 49320?
Per Michigan Public Service Commission service territory data: Electric: Consumers Energy Company. Gas: DTE Gas Company. Sewer: Public. Water: Private 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 Chippewa Twp police department or the Mecosta County sheriff's office.
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Monthly payment$2,756
Principal & interest$2,756
Estimate only. Does not include PMI or other fees. Consult a lender for exact rates.
Internet
FiberDownload
1 Gbps
Upload
1 Gbps
FiberCableLicensed Fixed WirelessGSO SatelliteSatelliteDSL
8 providers at this address
1 Gbps
SpectrumCable
1 GbpsVerizonLicensed Fixed Wireless
300 MbpsStarlinkGSO Satellite
280 MbpsViasat IncSatellite
150 MbpsHughesNetSatellite
50 MbpsBrightspeedDSL
10 MbpsPoint Broadband Fiber Holding LLCLicensed Fixed Wireless
0 MbpsFCC Broadband Data Collection (Dec 2025). Max advertised speeds.
Utilities
Consumers Energy Company
Investor-Owned
DTE Gas Company
Investor-Owned
MI Public Service Commission service territory boundaries.
Property
19975 Merritt Avenue, Chippewa Lake, MI 49320
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