Sold
4655 Cusenza Drive, Otter Lake, MI 48464
Sold on 03/20/2026 for$635,000
MLS # 20251058785 (Realcomp)
4 beds4 baths3,215 sqftBuilt 20022.11 acres
1 / 52
Listing Description
Discover unparalleled lake living in this immaculate home, situated on private, all-sport, Hemmingway Lake. Boasting an impressive 180 feet of private lake frontage, this property offers stunning, water views and exceptional amenities for the ultimate lake lifestyle.Main Home:• Bedrooms/Baths: 3 Bedrooms and 2.5 Baths, plus an Office that can serve as a 4th Bedroom.• Master Suite: Large main-level master bedroom features a walk-in closet and a private master bath.• Upstairs Bedrooms: Two additional bedrooms share a convenient Jack 'n Jill bathroom.• Kitchen: Equipped with stainless steel appliances, Corian countertops, and a generous walk-in pantry.• Finishes: Corian countertops are featured throughout the home.• Entertainment: Enjoy music with the included home stereo system.Finished, Walkout Lower Level• Full Living Area: Complete with a kitchen, two living rooms, and a bathroom.• Direct Access: Walkout access provides easy transition to the lakefront and yard.Exterior & Waterfront Highlights• Premium Lake Frontage: Approximately 180 feet of coveted private lakefront on an all-sport lake.• Boating Amenities: Include a two-spot boat dock and an additional single dock, providing ample space for watercraft.• Lake Storage: Dedicated boat house/lake storage.• Landscaping: A beautifully designed 3-tier landscaped yard that maximizes the lake views.• Detached Pole Barn: A detached 2-car pole barn provides excellent storage and workshop space.• Parking: Crushed stone driveway (2023).Essential Updates & Mechanics• Whole Home Power: Generac whole home generator (installed 2015).• Water Quality: Whole home water filtration system (installed 2019).• HVAC: New Furnace (2019) and AC (2017).• Hot Water: New hot water tank (2024).• Safety: Radon Protection System (installed 2016).• Septic Maintenance: Septic system is professionally pumped every 2 years.
Source: SparkMLS
About this home
Located in Marathon Township in Otter Lake, this property offers 4-bedroom, 4-bath, 3,215 sq ft, with original construction dating to 2002.
Final sale price: $635,000 (about $198/sq ft).
Estimated annual property tax: $5,288, or about $441 monthly. Tax figure is from the MLS listing record; verify with the county treasurer for the most current amount.
Electric service is provided by DTE Electric Company; natural gas by Consumers Energy Company. Broadband is available with download speeds up to 1,000 Mbps from 7 providers.
Tour
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms4
Bathrooms4
Living Area3,215 sqft
Lot Size2.11 acres
Year Built2002
Stories3
Location
CityOtter Lake
MunicipalityMarathon Twp
Zip Code48464
CountyLapeer
School DistrictLakeville
Construction & Systems
ConstructionBrick, Vinyl Siding
BasementWalk-Out Access
Garage2.5 spaces
HeatingForced Air
WaterWell
SewerSeptic Tank
InteriorBasement Finished, Water Softener/Owned
Sale & Financing
Listed12/11/2025
Sold Date3/19/2026
Terms AcceptedCash, Conventional, FHA, Rural Development, VA Loan
HOA
HOA Fee$25 / Annually
IncludesOther
Source: SparkMLS
Tax Information
Annual Tax$5,288
Parcel #01300900600
Source: SparkMLS
Legal Description
SEC 9 T9N R9E PART OF THE NE 1/4, FROM E 1/4 CORNER W 1565.96 FT AND N 234.23 FT TO POB TH N 365.7 FT TH E 154.67 FT TH S 286.32 FT TH SW ALONG TRAVERSE LINE OF HEMINGWAY LAKE 172.25 FT TO POB. ALSO INCLUDING ALL THAT LAND LYING SOUTH OF THE ABOVE DESCRIBED TRAVERSE LINE AND BETWEEN ABOVE DESCRIBED SIDE LINES AS EXTENDED TO E / W 1/4 LINE 2.11 A.
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 Jack Smith
Coldwell Banker Professionals
Frequently Asked Questions about 4655 Cusenza Drive, Otter Lake, MI 48464
Which school district serves 4655 Cusenza Drive, Otter Lake, MI 48464?
Per MLS# 20251058785, 4655 Cusenza Drive, Otter Lake, MI 48464 is in the Lakeville boundaries. School district assignments are determined by property location and may differ from the mailing city. Contact Lakeville directly to confirm enrollment eligibility.
What type of financing is accepted for this listing?
Per MLS# 20251058785, this listing accepts Cash, Conventional, FHA, Rural Development, VA Loan 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 4655 Cusenza Drive, Otter Lake, MI 48464?
Per public tax records, annual property taxes for this property are $5,288. 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, 4655 Cusenza Drive, Otter Lake, MI 48464 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 4655 Cusenza Drive, Otter Lake, MI 48464 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 4655 Cusenza Drive, Otter Lake, MI 48464. 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 4655 Cusenza Drive, Otter Lake, MI 48464?
Per Michigan Public Service Commission service territory data: Electric: DTE Electric Company. Gas: Consumers Energy Company. 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 Marathon Twp police department or the Lapeer County sheriff's office.
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Mortgage Calculator
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Monthly payment$4,218
Principal & interest$4,216
HOA$2
Estimate only. Does not include PMI or other fees. Consult a lender for exact rates.
Internet
Download
1 Gbps
Upload
35 Mbps
CableGSO SatelliteSatelliteFixed WirelessUnlicensed Fixed WirelessLicensed Fixed Wireless
7 providers at this address
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280 MbpsViasat IncSatellite
100 MbpsHughesNetSatellite
50 MbpsBitwise IncFixed Wireless
25 MbpsAir AdvantageUnlicensed Fixed Wireless
10 MbpsT-MobileLicensed Fixed Wireless
0 MbpsFCC Broadband Data Collection (Dec 2025). Max advertised speeds.
Utilities
DTE Electric Company
Investor-Owned
Consumers Energy Company
Investor-Owned
MI Public Service Commission service territory boundaries.
Property
4655 Cusenza Drive, Otter Lake, MI 48464
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Municipality
Marathon Township
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