For Sale
4492 E Bear Lake Road, Osseo, MI 49266
$439,900
MLS # 26006890 (Michigan Regional Information Center (MichRIC))
5 beds2 baths2,508 sqftBuilt 19500.9 acres
1 / 43
Listing Description
Lake front opportunities like this are rare! Situated on nearly an acre of land with approximately 158FT of water frontage on private all-sports Pleasant Lake, this beautifully updated ranch home offers the ideal setting for year-round lake living. Expanded through a major addition and remodel just three years ago, the home now offers 2,508SF of comfortable, modern living space. The heart of the home is a stunning new kitchen designed for gathering and entertaining, complemented by a generous living area that captures peaceful lake views. The home features 5 bedrooms, 2 full bathrooms and a versatile loft space that could easily be converted into another bedroom, office, or flex area, providing plenty of room for guests or extended stays. Recent improvements add significant value and peace of mind, including a new roof installed in 2023 on both the home and detached one-car garage, as well as a brand-new septic system (2023). Think long summer days, sunset views, boating,
Source: SparkMLS
About this home
5-bedroom, 2-bath, 2,508 sq ft home in Osseo built in 1950.
Listed at $439,900 (about $175/sq ft).
Estimated annual property tax: $5,700, or about $475 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
Bedrooms5
Bathrooms2
Living Area2,508 sqft
Lot Size0.9 acres
Year Built1950
Stories1
Location
CityOsseo
MunicipalityJefferson Twp
Zip Code49266
CountyHillsdale
School DistrictHillsdale
Construction & Systems
StyleRanch
ConstructionVinyl Siding
BasementCrawl Space
Garage1 space
HeatingForced Air
WaterWell
SewerSeptic Tank
InteriorEat-in Kitchen
Sale & Financing
Listed2/24/2026
Original Price$449,900
Terms AcceptedCash, FHA, VA Loan, Conventional
Source: SparkMLS
Tax Information
Annual Tax$5,700
Tax Year2025
Assessed Value$133,385
Parcel #12-008-100-008-08-7-2
Source: SparkMLS
Legal Description
Per deed at courthouse.
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 Lisa Marelli
CENTURY 21 Affiliated
Frequently Asked Questions about 4492 E Bear Lake Road, Osseo, MI 49266
Which school district serves 4492 E Bear Lake Road, Osseo, MI 49266?
Per MLS# 26006890, 4492 E Bear Lake Road, Osseo, MI 49266 is in the Hillsdale boundaries. School district assignments are determined by property location and may differ from the mailing city. Contact Hillsdale directly to confirm enrollment eligibility.
What financing options are available for 4492 E Bear Lake Road, Osseo, MI 49266?
Per MLS# 26006890, this listing accepts Cash, FHA, VA Loan, 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 4492 E Bear Lake Road, Osseo, MI 49266?
Per public tax records, annual property taxes for this property are $5,700 (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, 4492 E Bear Lake Road, Osseo, MI 49266 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 4492 E Bear Lake Road, Osseo, MI 49266 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 4492 E Bear Lake Road, Osseo, MI 49266?
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.
What is the crime rate in this area?
For crime and public safety data, we recommend inquiring directly with the Jefferson Twp police department or the Hillsdale County sheriff's office.
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Monthly payment$2,853
Principal & interest$2,853
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
4492 E Bear Lake Road, Osseo, MI 49266
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