For Sale
232 23rd Street, Otsego, MI 49078
$384,900
MLS # 26009860 (Michigan Regional Information Center (MichRIC))
3 beds2 baths1,187 sqftBuilt 19203.82 acres
1 / 33
Listing Description
Nearly 4 private acres * Extensive full-home renovation* Updated mechanicals*Turnkey condition* Otsego Schools*Modern finishes throughout * Country setting minutes from town Completely rebuilt from the inside out on nearly 4 private acres in Otsego Schools, this rare turnkey property combines modern finishes, updated mechanicals, and peaceful country living just minutes from town.Nearly every major component of this home has been updated, creating the feel and confidence of a newer home while maintaining the character and privacy of a country setting. Inside, you'll find a bright open layout with updated flooring, modern fixtures, a beautifully remodeled kitchen, refreshed bathrooms, and clean contemporary finishes throughout. The property truly shines with almost 4 acres of usable land offering space to entertain, relax, garden, explore, or simply enjoy the privacy and quiet setting. Whether you're looking for a move-in ready home without the headache of major projects.
Source: SparkMLS
About this home
Located in Otsego Township in Otsego, this property offers 3-bedroom, 2-bath, 1,187 sq ft, with original construction dating to 1920.
Asking $384,900 (about $324/sq ft).
Estimated annual property tax: $3,406, or about $284 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.
Tour
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms3
Bathrooms2
Living Area1,187 sqft
Lot Size3.82 acres
Year Built1920
Stories2
Location
CityOtsego
MunicipalityTrowbridge Twp
Zip Code49078
CountyAllegan
School DistrictOtsego
Construction & Systems
StyleFarmhouse
ConstructionVinyl Siding
BasementMichigan Basement
Garage3 spaces
HeatingForced Air
WaterWell
SewerSeptic Tank
InteriorLP Tank Rented
Sale & Financing
Listed3/13/2026
Original Price$414,900
Terms AcceptedCash, FHA, VA Loan, Conventional
Source: SparkMLS
Tax Information
Annual Tax$3,406
Tax Year2024
Assessed Value$63,900
Parcel #17-030-011-00
Source: SparkMLS
Legal Description
S 1056' OF E 471.4' W 1/2 SW 1/4 EX THE S 692.30' SEC 30 T1N R12W (88)
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 Kenn Heyder
Century 21 Affiliated (GR)
Frequently Asked Questions about 232 23rd Street, Otsego, MI 49078
What school district is 232 23rd Street, Otsego, MI 49078 in?
Per MLS# 26009860, 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# 26009860, the seller has indicated this property accepts the following financing types: Cash, FHA, VA Loan, 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# 26009860, the most recent reported annual property tax for 232 23rd Street, Otsego, MI 49078 is $3,406 (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 232 23rd Street, 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, 232 23rd Street, 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 Trowbridge Twp police department or the Allegan County sheriff's office.
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Monthly payment$2,496
Principal & interest$2,496
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
232 23rd Street, Otsego, MI 49078
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Municipality
Otsego Township
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