Sold
354 E Allegan Street, Otsego, MI 49078
Sold on 02/20/2026 for$215,000
MLS # 25058592 (Michigan Regional Information Center (MichRIC))
3 beds2 baths1,524 sqftBuilt 19020.13 acres
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Listing Description
Welcome to this inviting home located just steps from downtown Otsego. Offering a blend of charm and functionality, this property features a spacious main living area, updated kitchen, and bathrooms, with comfortable bedrooms. Enjoy a large yard perfect for outdoor activities and room to expand. With convenient access to local shops, parks, and schools, this home is ideal for anyone seeking comfort and convenience. A great opportunity to own a well-maintained home in a desirable location—schedule your showing today.
Source: SparkMLS
About this home
This 3-bedroom, 2-bath, 1,524 sq ft home built in 1902 sits in Otsego Township in Otsego.
Closed at $215,000 (about $141/sq ft).
Property tax estimate: $1,554 per year ($130/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. Broadband is available with download speeds up to 1,000 Mbps from 7 providers.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms3
Bathrooms2
Living Area1,524 sqft
Lot Size0.13 acres
Year Built1902
Stories2
Location
CityOtsego
MunicipalityOtsego City
Zip Code49078
CountyAllegan
School DistrictOtsego
Construction & Systems
StyleTraditional
ConstructionVinyl Siding
BasementCrawl Space, Michigan Basement, Partial
HeatingForced Air
WaterPublic
SewerPublic
UtilitiesPhone Available, Cable Available, Natural Gas Connected
InteriorBroadband
Sale & Financing
Listed11/14/2025
Sold Date2/19/2026
Original Price$220,000
Terms AcceptedCash, FHA, VA Loan, Rural Development, MSHDA, Conventional
Concessions$3
Source: SparkMLS
Tax Information
Annual Tax$1,554
Tax Year2012
Assessed Value$35,339
Parcel #54-105-010-00
Source: SparkMLS
Legal Description
LOT 10 BLOCK 5 EX WESTERLY 20' ALSO COM AT NE COR LOT 10 BLK 5 ELY ON S SIDE ALLEGAN ST 10' SLY 132' WLY 10' NLY 132' TO BEG O. P. SEC 22 & 23.
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 Ryan S Potter
Amplified Real Estate
Frequently Asked Questions about 354 E Allegan Street, Otsego, MI 49078
Which school district serves 354 E Allegan Street, Otsego, MI 49078?
Per MLS# 25058592, 354 E Allegan Street, Otsego, MI 49078 is in the Otsego boundaries. School district assignments are determined by property location and may differ from the mailing city. Contact Otsego directly to confirm enrollment eligibility.
Can I use FHA or VA financing for this property?
Per MLS# 25058592, 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 354 E Allegan Street, Otsego, MI 49078?
Per public tax records, annual property taxes for this property are $1,554 (2012). 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, 354 E Allegan Street, 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 354 E Allegan Street, 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 not currently available at 354 E Allegan Street, Otsego, MI 49078. 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 354 E Allegan Street, Otsego, MI 49078?
Per Michigan Public Service Commission service territory data: Electric: Consumers Energy Company. Gas: Michigan Gas Utilities Corporation. Sewer: Public. Water: Public. 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 City police department or the Allegan County sheriff's office.
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Monthly payment$1,394
Principal & interest$1,394
Estimate only. Does not include PMI or other fees. Consult a lender for exact rates.
Internet
Download
1 Gbps
Upload
35 Mbps
CableLicensed Fixed WirelessGSO SatelliteSatelliteDSL
7 providers at this address
FCC 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
354 E Allegan Street, Otsego, MI 49078
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Municipality
Otsego Township
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