Sold
640 Division Street, Ionia, MI 48846
Sold on 06/26/2026 for$225,000
MLS # 26023460 (Michigan Regional Information Center (MichRIC))
3 beds2 baths1,820 sqftBuilt 19200.3 acres
1 / 30
Listing Description
Welcome to 640 Division St. in Ionia. This 3 bedroom, 2 full bath ranch home is located just a few steps from parks and schools. This home has been well maintained and mechanically sound. Original hard wood flooring throughout. Featuring a galley kitchen with all appliances including a chef's gas stove,/oven. Open dining and living room. Large newer picture windows. Central air. Oversized lot with fenced and extra deep yard. Attached garage and a storage shed. The lower walk out level has a living area and a full bathroom. Plenty of starge soace and your laundy facitlies. Come check out this home today.
Source: SparkMLS
About this home
3-bedroom, 2-bath, 1,820 sq ft home in Ionia in Ionia built in 1920.
Final sale price: $225,000 (about $124/sq ft).
Annual property taxes run approximately $2,352 ($196/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.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms3
Bathrooms2
Living Area1,820 sqft
Lot Size0.3 acres
Year Built1920
Stories1
Location
CityIonia
MunicipalityIonia City
Zip Code48846
CountyIonia
School DistrictIonia
Construction & Systems
StyleRanch
ConstructionAluminum Siding
BasementFull, Walk-Out Access
Garage1 space
HeatingForced Air
WaterPublic
SewerPublic
UtilitiesNatural Gas Available, Electricity Available, Cable Available, Natural Gas Connected, Cable Connected, High-Speed Internet
InteriorCeiling Fan(s), Broadband, Garage Door Opener
Sale & Financing
Listed5/19/2026
Sold Date6/25/2026
Terms AcceptedCash, FHA, VA Loan, Conventional
Source: SparkMLS
Tax Information
Annual Tax$2,352
Tax Year2026
Assessed Value$64,555
Parcel #203-200-000-015-00
Source: SparkMLS
Legal Description
CITY OF IONIA TOWNSENDS SECOND ADDITION LOT 9
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 Maria F Blackmer
Live Local Realty
Frequently Asked Questions about 640 Division Street, Ionia, MI 48846
What school district is 640 Division Street, Ionia, MI 48846 in?
Per MLS# 26023460, this property is served by Ionia. In Michigan, school district boundaries are set by the state and do not always follow city limits.
What type of financing is accepted for this listing?
Per MLS# 26023460, 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# 26023460, the most recent reported annual property tax for 640 Division Street, Ionia, MI 48846 is $2,352 (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.
Is 640 Division 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, 640 Division Street, Ionia, MI 48846 is in flood zone X (minimal risk). 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.
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: Public. Water: Public. Confirm service details directly with providers.
How safe is 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$1,459
Principal & interest$1,459
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
640 Division Street, Ionia, MI 48846
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Municipality
Ionia
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