For Sale
63238 Kinsey Street, Vandalia, MI 49095
$394,900
MLS # 26024068 (Michigan Regional Information Center (MichRIC))
3 beds2 baths1,296 sqftBuilt 20200.28 acres
1 / 35
Listing Description
Welcome to peaceful lake living on beautiful Birch Lake! This move-in ready 2020 ranch offers the perfect blend of comfort, convenience, and affordability with association lake access at a fraction of waterfront pricing. Featuring 3 bedrooms, 2 full bathrooms, main-floor laundry, and an inviting open-concept layout, this home was thoughtfully designed for both everyday living and relaxing weekends by the water. Enjoy the quiet setting, detached 2-car garage, central air, and the cozy warmth of a wood stove on crisp Michigan evenings. Built in 2020, the home provides the confidence and peace of mind that comes with newer construction and modern mechanical systems. Whether you're searching for a full-time residence, weekend escape, or lake-area retreat, this property offers an incredible opportunity to enjoy the lake lifestyle without the burden of waterfront taxes. Optional pontoon boat and 2025 solar lift available separately for buyers ready to make the most of summer on the water.
Source: SparkMLS
About this home
Located in Vandalia, this property offers 3-bedroom, 2-bath, 1,296 sq ft, with original construction dating to 2020.
Asking $394,900 (about $305/sq ft).
Annual property taxes run approximately $1,996 ($166/month). Tax figure is from the MLS listing record; verify with the county treasurer for the most current amount.
Electric service is provided by Midwest Energy Cooperative; natural gas by SEMCO Energy Gas Company.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms3
Bathrooms2
Living Area1,296 sqft
Lot Size0.28 acres
Year Built2020
Stories1
Location
CityVandalia
MunicipalityPorter Twp
Zip Code49095
CountyCass
School DistrictConstantine
Construction & Systems
StyleRanch
ConstructionVinyl Siding
BasementCrawl Space
Garage2 spaces
HeatingForced Air, Wood
WaterWell
SewerPublic
UtilitiesNatural Gas Available, Electricity Available, High-Speed Internet
InteriorGarage Door Opener, Center Island, Eat-in Kitchen
Sale & Financing
Listed5/20/2026
Original Price$399,900
Terms AcceptedCash, FHA, VA Loan, MSHDA, Conventional
HOA
HOA Fee$600 / Annually
IncludesOther
Source: SparkMLS
Tax Information
Annual Tax$1,996
Tax Year2024
Assessed Value$74,566
Parcel #14-120-060-032-02
Source: SparkMLS
Legal Description
. (623A-2 7-13) LOT 90 NUN-U-KOMUK PLAT.
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 Brandon R Culbertson
Michigan Top Producers
Frequently Asked Questions about 63238 Kinsey Street, Vandalia, MI 49095
Which school district serves 63238 Kinsey Street, Vandalia, MI 49095?
Per MLS# 26024068, 63238 Kinsey Street, Vandalia, MI 49095 is in the Constantine boundaries. School district assignments are determined by property location and may differ from the mailing city. Contact Constantine directly to confirm enrollment eligibility.
What type of financing is accepted for this listing?
Per MLS# 26024068, 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 63238 Kinsey Street, Vandalia, MI 49095?
Per public tax records, annual property taxes for this property are $1,996 (2024). 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, 63238 Kinsey Street, Vandalia, MI 49095 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 63238 Kinsey Street, Vandalia, MI 49095 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 63238 Kinsey Street, Vandalia, MI 49095?
Per Michigan Public Service Commission service territory data: Electric: Midwest Energy Cooperative. Gas: SEMCO Energy Gas Company. Sewer: Public. 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 Porter Twp police department or the Cass County sheriff's office.
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Monthly payment$2,611
Principal & interest$2,561
HOA$50
Estimate only. Does not include PMI or other fees. Consult a lender for exact rates.
Utilities
Midwest Energy Cooperative
Co-op
SEMCO Energy Gas Company
Investor-Owned
MI Public Service Commission service territory boundaries.
Property
63238 Kinsey Street, Vandalia, MI 49095
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