Sold
540 Nicholson Street, Ionia, MI 48846
Sold on 02/20/2026 for$122,000
MLS # 26003240 (Michigan Regional Information Center (MichRIC))
2 beds1 bath860 sqftBuilt 19000.1 acres
1 / 16
Listing Description
Welcome to 540 Nicholson Street, a thoughtfully maintained home offering comfort, simplicity, and smart updates in a convenient Ionia location. From the moment you arrive, this property delivers an inviting, low-maintenance feel designed for everyday living. New roof and new siding, adding long-term value, durability, and curb appeal. The exterior features a fenced backyard providing privacy and space for outdoor enjoyment, along with a patio/grilling area ideal for relaxing or entertaining. A detached garage offers additional storage and parking flexibility. Conveniently located near local amenities and major routes, this home presents a practical layout in an established neighborhood. Opportunities like this are rare — buyers will be hard-pressed to find another home with these updates at this price point. There is simply nothing comparable available under $125,000. More pictures coming soon.
Source: SparkMLS
About this home
This 2-bedroom, 1-bath, 860 sq ft home built in 1900 sits in Ionia in Ionia.
Final sale price: $122,000 (about $142/sq ft).
Annual property taxes run approximately $1,242 ($104/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. Fiber internet is available at this address with download speeds up to 8,000 Mbps across 9 providers.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms2
Bathrooms1
Living Area860 sqft
Lot Size0.1 acres
Year Built1900
Stories1
Location
CityIonia
MunicipalityIonia City
Zip Code48846
CountyIonia
School DistrictIonia
Construction & Systems
StyleTraditional
ConstructionConcrete, Vinyl Siding
BasementCrawl Space
Garage1 space
HeatingForced Air
WaterPublic
SewerPublic
UtilitiesPhone Available, Natural Gas Available, Electricity Available, Cable Available, Phone Connected, Natural Gas Connected, Cable Connected
InteriorCeiling Fan(s), Eat-in Kitchen
Sale & Financing
Listed1/27/2026
Sold Date2/19/2026
Terms AcceptedCash, FHA, VA Loan, MSHDA, Conventional
Source: SparkMLS
Tax Information
Annual Tax$1,242
Tax Year2025
Assessed Value$31,826
Parcel #202-060-000-035-00
Source: SparkMLS
Legal Description
CITY OF IONIA HILLCREST ADDITION, LOT 13 AND THE S 12 FT OF LOT 14 EXC W 42 FT OF LOT 13.
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 William Pichler
Keller Williams GR East
Frequently Asked Questions about 540 Nicholson Street, Ionia, MI 48846
Which school district serves 540 Nicholson Street, Ionia, MI 48846?
Per MLS# 26003240, 540 Nicholson Street, Ionia, MI 48846 is in the Ionia boundaries. School district assignments are determined by property location and may differ from the mailing city. Contact Ionia directly to confirm enrollment eligibility.
What type of financing is accepted for this listing?
Per MLS# 26003240, this listing accepts Cash, FHA, VA Loan, MSHDA, 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 540 Nicholson Street, Ionia, MI 48846?
Per public tax records, annual property taxes for this property are $1,242 (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, 540 Nicholson Street, Ionia, MI 48846 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 540 Nicholson Street, Ionia, MI 48846 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 available at 540 Nicholson Street, Ionia, MI 48846. The maximum advertised download speed is 8.0 Gbps. 9 internet providers serve this address. Confirm availability and speeds directly with providers.
What utilities serve 540 Nicholson Street, Ionia, MI 48846?
Per Michigan Public Service Commission service territory data: Electric: Consumers Energy Company. Gas: Consumers Energy Company. Sewer: Public. Water: Public. 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 Ionia City police department or the Ionia County sheriff's office.
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Monthly payment$778
Principal & interest$778
Estimate only. Does not include PMI or other fees. Consult a lender for exact rates.
Internet
FiberDownload
8 Gbps
Upload
8 Gbps
FiberCableLicensed Fixed WirelessGSO SatelliteUnlicensed Fixed WirelessSatellite
9 providers at this address
Surf InternetFiber
8 GbpsSpectrumCable
1 GbpsVerizonLicensed Fixed Wireless
300 MbpsStarlinkGSO Satellite
280 MbpsPoint Broadband Fiber Holding LLCUnlicensed Fixed Wireless
200 MbpsViasat IncSatellite
100 MbpsHughesNetSatellite
50 MbpsSurf InternetUnlicensed Fixed Wireless
25 MbpsT-MobileLicensed Fixed Wireless
0 MbpsFCC Broadband Data Collection (Dec 2025). Max advertised speeds.
Utilities
Consumers Energy Company
Investor-Owned
Consumers Energy Company
Investor-Owned
MI Public Service Commission service territory boundaries.
Property
540 Nicholson Street, Ionia, MI 48846
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Municipality
Ionia
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