Sold
21889 Hilltop Circle, Stanwood, MI 49346
Sold on 06/18/2026 for$665,000
MLS # 25007384 (Michigan Regional Information Center (MichRIC))
5 beds4 baths3,339 sqftBuilt 20180.67 acres
1 / 62
Listing Description
Absolutely stunning custom-built river home offers an idyllic lifestyle with deeded access to the Hardy Pond, complete with a private dock, park, and swimming area. Enjoy miles and miles of boating and aquatic activities right outside your door. Step inside this meticulously maintained home that feels as good as new! This home features 5 spacious bedrooms and 3.5 bathrooms. The main floor boasts a desirable modern and open-concept living space. The kitchen features stunning cabinetry, a beautiful center island, granite countertops, and a large walk-in pantry with built-in cabinets. The living area has beautiful large windows, vaulted ceilings, and custom built-ins perfect for entertaining or family gatherings. The dining area leads out to the large composite deck with shade option overlooking the perfectly manicured lawn. The main floor primary bedroom is a luxurious retreat in itself.
Source: SparkMLS
About this home
5-bedroom, 4-bath, 3,339 sq ft home in Stanwood built in 2018.
Closed at $665,000 (about $199/sq ft).
Estimated annual property tax: $3,983, or about $332 monthly. Tax figure is from the MLS listing record; verify with the county treasurer for the most current amount.
Electric service is provided by Great Lakes Energy Cooperative; natural gas by DTE Gas Company. Fiber internet is available at this address with download speeds up to 1,000 Mbps across 7 providers.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms5
Bathrooms4
Living Area3,339 sqft
Lot Size0.67 acres
Year Built2018
Stories1
Location
CityStanwood
MunicipalityMecosta Twp
Zip Code49346
CountyMecosta
School DistrictMorley Stanwood
Construction & Systems
StyleRanch
ConstructionStone, Vinyl Siding
BasementDaylight, Full
Garage2 spaces
HeatingForced Air, Heat Pump
WaterWell
SewerSeptic Tank
UtilitiesPhone Connected, Cable Connected
InteriorCeiling Fan(s), Broadband, Garage Door Opener, Center Island, Pantry
Sale & Financing
Listed4/28/2026
Sold Date6/17/2026
Original Price$699,900
Terms AcceptedCash, FHA, VA Loan, Conventional
HOA
HOA Fee$1,000 / Annually
IncludesOther
Source: SparkMLS
Tax Information
Annual Tax$3,983
Tax Year2024
Assessed Value$171,106
Parcel #5409-068-024-000
Source: SparkMLS
Legal Description
SEC 28 T14N R10W MUSKEGON RIVER ESTATES UNIT 24 SPLIT ON 10/6/2006 FROM 09 028 009 000
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 Brandi J Harr
Reeds Realty
Frequently Asked Questions about 21889 Hilltop Circle, Stanwood, MI 49346
Which school district serves 21889 Hilltop Circle, Stanwood, MI 49346?
Per MLS# 25007384, 21889 Hilltop Circle, Stanwood, MI 49346 is in the Morley Stanwood boundaries. School district assignments are determined by property location and may differ from the mailing city. Contact Morley Stanwood directly to confirm enrollment eligibility.
What type of financing is accepted for this listing?
Per MLS# 25007384, this listing accepts Cash, FHA, VA Loan, 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 21889 Hilltop Circle, Stanwood, MI 49346?
Per public tax records, annual property taxes for this property are $3,983 (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.
Can I use a USDA Rural Development loan for this property?
Per USDA Rural Development boundary data, 21889 Hilltop Circle, Stanwood, MI 49346 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 21889 Hilltop Circle, Stanwood, MI 49346 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 21889 Hilltop Circle, Stanwood, MI 49346. The maximum advertised download speed is 1.0 Gbps. 7 internet providers serve this address. Confirm availability and speeds directly with providers.
What utilities serve 21889 Hilltop Circle, Stanwood, MI 49346?
Per Michigan Public Service Commission service territory data: Electric: Great Lakes Energy Cooperative. Gas: DTE Gas Company. 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 Mecosta Twp police department or the Mecosta County sheriff's office.
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Mortgage Calculator
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Monthly payment$4,558
Principal & interest$4,475
HOA$83
Estimate only. Does not include PMI or other fees. Consult a lender for exact rates.
Internet
FiberDownload
1 Gbps
Upload
1 Gbps
FiberGSO SatelliteSatelliteLicensed Fixed Wireless
7 providers at this address
1 Gbps
TruestreamFiber
1 GbpsStarlinkGSO Satellite
280 MbpsViasat IncSatellite
150 MbpsHughesNetSatellite
50 MbpsPoint Broadband Fiber Holding LLCLicensed Fixed Wireless
0 MbpsT-MobileLicensed Fixed Wireless
0 MbpsFCC Broadband Data Collection (Dec 2025). Max advertised speeds.
Utilities
Great Lakes Energy Cooperative
Co-op
DTE Gas Company
Investor-Owned
MI Public Service Commission service territory boundaries.
Property
21889 Hilltop Circle, Stanwood, MI 49346
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