For Sale
449 21st Street, Otsego, MI 49078
$240,000
MLS # 26030647 (Michigan Regional Information Center (MichRIC))
2 beds1 bath936 sqftBuilt 19400.66 acres
1 / 32
Listing Description
Welcome to 449 21st Street, this charming 2 Bed, 1 Bath home is located on Pine Creek with 120ft of water frontage ideal for anyone wanting to be close to nature with the ability to kayak, bird watch or have access to year round fishing right in your backyard! As you tour the home take notice of the new flooring throughout, updated windows, paint, recently remodeled bathroom with the convenience of main level everything! It features two good sized bedroom and all the appliances stay! The property itself features a fenced in yard, beautiful landscaping, with mature fruit trees, carport, and shed! A short drive to endless fun with ski resorts, shopping, restaurants, and golf courses less than 15 minutes away make this property a must see! A 1 Year Home Warranty with American Home Shield is also being included!
Source: SparkMLS
About this home
2-bedroom, 1-bath, 936 sq ft home in Otsego Township in Otsego built in 1940.
Listed at $240,000 (about $256/sq ft).
Estimated annual property tax: $2,119, or about $177 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.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms2
Bathrooms1
Living Area936 sqft
Lot Size0.66 acres
Year Built1940
Stories1
Location
CityOtsego
MunicipalityOtsego Twp
Zip Code49078
CountyAllegan
School DistrictOtsego
Construction & Systems
StyleRanch
ConstructionVinyl Siding
BasementSlab
HeatingForced Air
WaterWell
SewerSeptic Tank
Sale & Financing
Listed6/18/2026
Original Price$259,000
Terms AcceptedCash, FHA, VA Loan, Rural Development, MSHDA, Conventional
Source: SparkMLS
Tax Information
Annual Tax$2,119
Tax Year2025
Assessed Value$55,426
Parcel #1702106230
Source: SparkMLS
Legal Description
COM SW COR OF SEC TH E 307' TH N 29 DEG 30' E 572' TH N 10 DEG E 789.22' TO POB THIS DESC TH N 10 DEG E 116.08' TH S 80 DEG 34' E 245.80' TH S 16 DEG 55' 18'' W 117.07' TH N 80 DEG 34' W 231.69' TO POB INTENDING THE E LIN TO BE AT CONTOUR 684.8 SEC 21 T1N R12W (82)
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 Katelyn M Steele
Jaqua, REALTORS
Frequently Asked Questions about 449 21st Street, Otsego, MI 49078
What school district is 449 21st Street, Otsego, MI 49078 in?
Per MLS# 26030647, 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# 26030647, the seller has indicated this property accepts the following financing types: Cash, FHA, VA Loan, Rural Development, MSHDA, 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# 26030647, the most recent reported annual property tax for 449 21st Street, Otsego, MI 49078 is $2,119 (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.
Is 449 21st 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, 449 21st 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 Otsego Twp police department or the Allegan County sheriff's office.
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Monthly payment$1,557
Principal & interest$1,557
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
449 21st Street, Otsego, MI 49078
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Municipality
Otsego Township
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