Pending
430 W Franklin Street, Otsego, MI 49078
$200,000
MLS # 26028814 (Michigan Regional Information Center (MichRIC))
3 beds1 bath1,257 sqftBuilt 19400.27 acres
1 / 21
Listing Description
Welcome home to this charming 3 bedroom, 1 bathroom home offering 1,257 square feet of comfortable living space. Designed for both everyday living & entertaining with a functional layout. You can't miss the expansive 621 square foot basement, providing exceptional storage space & endless possibilities for a workshop, hobby area, home gym, or future finishing potential. Outside, you'll appreciate the detached 1 stall garage & extra wide driveway, offering ample parking for multiple vehicles, guests, trailers, or recreational toys. The fully fenced backyard creates a retreat, perfect for children, pets & gatherings. A cozy fire pit serves as the centerpiece of the yard, making it easy to enjoy relaxing evenings outdoors. Combining practical amenities & inviting outdoor living spaces, this property offers the perfect balance of comfort, convenience & value. Don't miss the opportunity to make this wonderful house your next home!
Source: SparkMLS
About this home
3-bedroom, 1-bath, 1,257 sq ft home in Otsego Township in Otsego built in 1940.
Asking $200,000 (about $159/sq ft).
Annual property taxes run approximately $2,332 ($194/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
Bedrooms3
Bathrooms1
Living Area1,257 sqft
Lot Size0.27 acres
Year Built1940
Stories2
Location
CityOtsego
MunicipalityOtsego City
Zip Code49078
CountyAllegan
School DistrictOtsego
Construction & Systems
StyleRanch
ConstructionVinyl Siding
BasementPartial
Garage1 space
HeatingForced Air
WaterPublic
SewerPublic
InteriorCeiling Fan(s)
Sale & Financing
Listed6/10/2026
Terms AcceptedCash, Conventional
Source: SparkMLS
Tax Information
Annual Tax$2,332
Tax Year2025
Assessed Value$49,394
Parcel #54-400-012-00
Source: SparkMLS
Legal Description
W 1/2 LOT 12 & ALL OF LOT 13 HOKE & HADDEN ADDITION (99)
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 430 W Franklin Street, Otsego, MI 49078
Which school district serves 430 W Franklin Street, Otsego, MI 49078?
Per MLS# 26028814, 430 W Franklin 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.
What financing options are available for 430 W Franklin Street, Otsego, MI 49078?
Per MLS# 26028814, this listing accepts Cash, Conventional financing. Financing acceptance is subject to change — confirm with the listing agent.
What are the property taxes at 430 W Franklin Street, Otsego, MI 49078?
Per public tax records, annual property taxes for this property are $2,332 (2025). 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, 430 W Franklin 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 430 W Franklin 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 utilities serve 430 W Franklin 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$1,297
Principal & interest$1,297
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
430 W Franklin Street, Otsego, MI 49078
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Municipality
Otsego Township
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