Sold
611 S Farmer Street, Otsego, MI 49078
Sold on 06/03/2026 for$301,000
MLS # 26018744 (Michigan Regional Information Center (MichRIC))
4 beds2 baths1,656 sqftBuilt 19000.44 acres
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Listing Description
Completely remodeled from the studs in 2019, this move-in ready Otsego home offers modern comfort and thoughtful design throughout. The spacious kitchen features abundant cabinetry, generous storage, and newer appliances-perfect for everyday living and entertaining. An open-concept main floor flows seamlessly from kitchen to dining and living areas, plus convenient main floor laundry. The primary suite is also located on the main level for added ease. Upstairs you'll find three generously sized bedrooms and a second full bath. The clean Michigan basement provides excellent storage space. Outside, enjoy a two-car garage and a fully fenced backyard with vinyl fencing. deally located near downtown Otsego, offering easy access to shops, dining, parks, and everyday conveniences. We can't wait to show it to you-call to schedule your tour today!
Source: SparkMLS
About this home
4-bedroom, 2-bath, 1,656 sq ft home in Otsego Township in Otsego built in 1900.
Final sale price: $301,000 (about $182/sq ft).
Annual property taxes run approximately $4,211 ($351/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 TypeResidential
Property SubtypeSingle Family Residence
Bedrooms4
Bathrooms2
Living Area1,656 sqft
Lot Size0.44 acres
Year Built1900
Stories2
Location
CityOtsego
MunicipalityOtsego City
Zip Code49078
CountyAllegan
School DistrictOtsego
Construction & Systems
StyleTraditional
ConstructionVinyl Siding
BasementCrawl Space, Michigan Basement
Garage2 spaces
HeatingForced Air
WaterPublic
SewerPublic
UtilitiesNatural Gas Available, Electricity Available, Cable Available
InteriorBroadband, Garage Door Opener, Center Island, Eat-in Kitchen
Sale & Financing
Listed4/29/2026
Sold Date6/2/2026
Terms AcceptedCash, FHA, VA Loan, Rural Development, Conventional
Source: SparkMLS
Tax Information
Annual Tax$4,211
Tax Year2026
Assessed Value$97,124
Parcel #54-023-060-00
Source: SparkMLS
Legal Description
COM ON E LIN OF S FARMER ST AT PT 594 FT S OF HAMMOND ST TH E PPL WITH HAMMOND ST 165 TH S PPL WITH S FARMER 115.5 FT TH W PPL WITH HAMMOND ST 165 FT TH N ON E LIN OF S FARMER ST 115.5 FT TO POB SEC 23 T1N R12W. TAX MAP: 0.44 AC (72).
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 Matt Mulder
eXp Realty LLC
Frequently Asked Questions about 611 S Farmer Street, Otsego, MI 49078
Which school district serves 611 S Farmer Street, Otsego, MI 49078?
Per MLS# 26018744, 611 S Farmer Street, 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.
Can I use FHA or VA financing for this property?
Per MLS# 26018744, this listing accepts Cash, FHA, VA Loan, Rural Development, 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 611 S Farmer Street, Otsego, MI 49078?
Per public tax records, annual property taxes for this property are $4,211 (2026). 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, 611 S Farmer Street, 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 611 S Farmer Street, 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 611 S Farmer Street, Otsego, MI 49078?
Per Michigan Public Service Commission service territory data: Electric: Consumers Energy Company. Gas: Michigan Gas Utilities Corporation. 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 Otsego City police department or the Allegan County sheriff's office.
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Monthly payment$1,880
Principal & interest$1,880
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
611 S Farmer Street, Otsego, MI 49078
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Municipality
Otsego Township
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