Pending
428 W Morrell Street, Otsego, MI 49078
$219,000
MLS # 26034480 (Michigan Regional Information Center (MichRIC))
2 beds1 bath816 sqftBuilt 19480.19 acres
1 / 35
Listing Description
Do you know what is so great about this completely remodeled home? All you have to do is unpack. The current owners took this whole house down to the studs and re-did it all. Every square inch is brand new. Spray foam insulation was added for complete comfort. No need to fuss about cold and hot zones because each room has its own heat and ac source. Durable Pergo Timbercraft flooring was installed throughout. But what about the roof? New. The appliances all stay and yes, they are new. All of the windows are new. All new electric and plumbing. You won't have to worry about a thing. This home sits in the lovely town of Otsego on a quiet, tree-lined street. Close to shopping and award winning Otsego Schools. Schedule your showing today.
Source: SparkMLS
About this home
Located in Otsego Township in Otsego, this property offers 2-bedroom, 1-bath, 816 sq ft, with original construction dating to 1948.
Listed at $219,000 (about $268/sq ft).
Property tax estimate: $1,575 per year ($131/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.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms2
Bathrooms1
Living Area816 sqft
Lot Size0.19 acres
Year Built1948
Stories1
Location
CityOtsego
MunicipalityOtsego City
Zip Code49078
CountyAllegan
School DistrictOtsego
Construction & Systems
ConstructionWood Siding
BasementCrawl Space
HeatingHeat Pump
WaterPublic
SewerPublic
Sale & Financing
Listed7/7/2026
Terms AcceptedCash, FHA, VA Loan, Conventional
Source: SparkMLS
Tax Information
Annual Tax$1,575
Tax Year2023
Assessed Value$22,594
Parcel #54-400-046-00
Source: SparkMLS
Legal Description
LOT 46 HOKE & HADDEN ADDITION.
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 Philip N Copeland
Grey House Market Real Estate
Frequently Asked Questions about 428 W Morrell Street, Otsego, MI 49078
What school district is 428 W Morrell Street, Otsego, MI 49078 in?
Per MLS# 26034480, this property is served by Otsego. In Michigan, school district boundaries are set by the state and do not always follow city limits.
What financing options are available for 428 W Morrell Street, Otsego, MI 49078?
Per MLS# 26034480, 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# 26034480, the most recent reported annual property tax for 428 W Morrell Street, Otsego, MI 49078 is $1,575 (2023). 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 428 W Morrell 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, 428 W Morrell 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: Public. Water: Public. Confirm service details directly with providers.
How safe is 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.
Map
Mortgage Calculator
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Monthly payment$1,420
Principal & interest$1,420
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
428 W Morrell Street, Otsego, MI 49078
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Municipality
Otsego Township
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