For Sale
470 Caroline Street, Ionia, MI 48846
$585,000
MLS # 26027744 (Michigan Regional Information Center (MichRIC))
4 beds4 baths4,433 sqftBuilt 19944.14 acres
1 / 77
Listing Description
Imagine waking up to the gentle rush of Prairie Creek just beyond your window, with deer grazing peacefully in your backyard. This exceptional 4-bedroom, 4-bath home offers over 4,400 square feet of living space on 4.1 breathtaking acres. Tucked in a quiet neighborhood yet surrounded on three sides by the creek, it delivers the perfect blend of absolute privacy and convenience -- just minutes to town with easy 30-40 minute commutes to both Lansing and Grand Rapids. Enjoy Ionia's notably low property taxes compared to surrounding areas, delivering significant long-term savings and value. The creek is renowned for its crystal-clear waters, impressive steelhead and salmon runs, and productive year-round trout fishing. A mowed half-mile path winds along the water, framed by mature fruit trees and abundant wildlife. Whether you're casting for steelhead steps from your door, harvesting fresh fruit, or simply soaking in the seclusion, this property invites you to slow down and reconnect with
Source: SparkMLS
About this home
4-bedroom, 4-bath, 4,433 sq ft home in Ionia built in 1994.
Listed at $585,000 (about $132/sq ft).
Estimated annual property tax: $4,130, or about $344 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.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms4
Bathrooms4
Living Area4,433 sqft
Lot Size4.14 acres
Year Built1994
Stories2
Location
CityIonia
MunicipalityIonia Twp
Zip Code48846
CountyIonia
School DistrictIonia
Construction & Systems
StyleTraditional
ConstructionBrick, Vinyl Siding
BasementFull
Garage2 spaces
HeatingForced Air
WaterWell
SewerSeptic Tank
UtilitiesNatural Gas Connected
InteriorCeiling Fan(s), Wet Bar, Center Island, Eat-in Kitchen, Pantry
Sale & Financing
Listed6/7/2026
Original Price$600,000
Terms AcceptedCash, FHA, VA Loan, Conventional
Source: SparkMLS
Tax Information
Annual Tax$4,130
Tax Year2025
Assessed Value$134,095
Parcel #060-016-000-100-01
Source: SparkMLS
Legal Description
COM ON E&W 1/4 LI N 89 DEG 40 MIN 21 SEC E 470.48 FT FROM W 1/4 COR OF SEC 16, TH ALG ELY & SLY BANK OF PRAIRIE CRK ON A TRAV LI N 10 DEG 25 MIN 56 SEC E 45.90 FT & N 18 DEG 15 MIN 35 SEC E 92.26 FT & N 48 DEG 17 MIN 21 SEC E 192.38 FT, & N 27 DEG 10 MIN 05 SEC E 215.65 FT, & N 50 DEG 10 MIN 56 SEC E 123.26 FT, & N 86 DEG 15 MIN 05 SEC E 127.93 FT TO END OF TRAV LI, S 537 FT, S 89 DEG 40 MIN 21 SE
Property Records
FEMA Flood Zone: Zone A — 100-year floodplain (no base flood elevation)
Flood insurance required for federally backed mortgages
Source: FEMA NFHLUSDA Rural Development: Eligible — 0% Down Payment Available
Verify eligibility at USDAListed by Cathy A Hoppough
KW Rivertown Hoppough
Frequently Asked Questions about 470 Caroline Street, Ionia, MI 48846
What school district is 470 Caroline Street, Ionia, MI 48846 in?
Per MLS# 26027744, this property is served by Ionia. 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# 26027744, 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# 26027744, the most recent reported annual property tax for 470 Caroline Street, Ionia, MI 48846 is $4,130 (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 470 Caroline Street, Ionia, MI 48846 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, 470 Caroline Street, Ionia, MI 48846 is in flood zone A (high risk). Flood insurance is required for federally-backed mortgages in this zone. 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: Consumers Energy Company. 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 Ionia Twp police department or the Ionia County sheriff's office.
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Mortgage Calculator
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Monthly payment$3,794
Principal & interest$3,794
Estimate only. Does not include PMI or other fees. Consult a lender for exact rates.
Utilities
Consumers Energy Company
Investor-Owned
Consumers Energy Company
Investor-Owned
MI Public Service Commission service territory boundaries.
Property
470 Caroline Street, Ionia, MI 48846
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