Pending
518 Lincoln Road, Otsego, MI 49078
$349,900
MLS # 26034962 (Michigan Regional Information Center (MichRIC))
2 unitsBuilt 19741.22 acres
1 / 39
Listing Description
Fantastic unique investment opportunity with this Otsego Township Duplex close to Otsego High School and Middle School. Great for house hacking (live in one side rent out the other) or as an outright Investment Rental. Two units with separate utilities and all of the majors in great condition. 2012 water heaters, furnaces, and air conditioning. 2021 roof and siding. Electrical and plumbing in great condition as well as the well and septic. Both units share a large porch area and a one stall garage each. One unit has 3 bed 2.5 bath and finished square footage in the basement that includes a kitchenette while the other has 2 bed 1.5 bath and a large basement recreation area that could be finished. This property sits on 1.22 acres and has a beautiful backyard. The units could use some TLC in some areas but overall and in pretty good condition. Priced to sell!
Source: SparkMLS
About this home
Located in Otsego Township in Otsego, this property offers 4-bath, with original construction dating to 1974.
Currently offered at $349,900.
Property tax estimate: $5,872 per year ($489/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 TypeMulti Family
Property Subtype2 to 4 Units
Bathrooms4
Lot Size1.22 acres
Year Built1974
Location
CityOtsego
MunicipalityOtsego Twp
Zip Code49078
CountyAllegan
School DistrictOtsego
Construction & Systems
ConstructionVinyl Siding
BasementFull
HeatingForced Air
SewerSeptic Tank
UtilitiesNatural Gas Available, Electricity Available, Cable Available, Natural Gas Connected, Electricity Connected, Cable Connected
Sale & Financing
Listed7/8/2026
Terms AcceptedVA Loan, FHA, Cash, Conventional
Source: SparkMLS
Tax Information
Annual Tax$5,872
Tax Year2025
Assessed Value$186,700
Parcel #17-022-035-10
Source: SparkMLS
Legal Description
E 12 RDS OF N 20 RDS OF W 1/2 SE 1/4 NW 1/4 LYING S OF ALLEGAN ST SEC 22 T1N R12W.
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 Reed Hrynewich
Five Star Real Estate
Frequently Asked Questions about 518 Lincoln Road, Otsego, MI 49078
Which school district serves 518 Lincoln Road, Otsego, MI 49078?
Per MLS# 26034962, 518 Lincoln Road, 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 type of financing is accepted for this listing?
Per MLS# 26034962, this listing accepts VA Loan, FHA, Cash, 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 518 Lincoln Road, Otsego, MI 49078?
Per public tax records, annual property taxes for this property are $5,872 (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, 518 Lincoln Road, 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 518 Lincoln Road, 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 518 Lincoln Road, Otsego, MI 49078?
Per Michigan Public Service Commission service territory data: Electric: Consumers Energy Company. Gas: Michigan Gas Utilities Corporation. Sewer: Septic Tank. 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 Twp police department or the Allegan County sheriff's office.
Map
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Monthly payment$2,269
Principal & interest$2,269
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
518 Lincoln Road, Otsego, MI 49078
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Municipality
Otsego Township
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