For Sale
6406 12th Street, Otter Lake, MI 48464
$175,000
MLS # 20261052022 (Realcomp)
4 beds1 bath1,424 sqftBuilt 19001.38 acres
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Listing Description
Welcome Home to Peace, Privacy & Small-Town Living!Don't miss this spacious 4-bedroom, 1.5-bath ranch situated on approximately 3 beautiful acres offering the perfect blend of privacy and convenience. The property features a partially finished Michigan basement, attached 1-car garage with electricity, two additional storage sheds, and a partially completed privacy fence.Nature lovers will appreciate the multiple mature fruit trees, fruit vines, and producing plants, creating your own backyard orchard. Relax under the shade of mature trees or enjoy the open yard with endless possibilities for gardening, entertaining, or recreation.Major updates provide added peace of mind, including a new roof within the last 5 years and central heating and air conditioning replaced within the last 8 years.Located within walking distance to a convenience store, restaurant, and gas station, you'll enjoy small-town convenience while still having room to spread out. Outdoor enthusiasts will love the nearby bike trail and free beach access for swimming, fishing, and enjoying Michigan summers.Whether you're looking for your first home, a place to raise a family, or simply more room to enjoy the outdoors, this property offers an incredible opportunity with space, updates, and a desirable location.Schedule your private showing today!
Source: SparkMLS
About this home
This 4-bedroom, 1-bath, 1,424 sq ft home built in 1900 sits in Marathon Township in Otter Lake.
Listed at $175,000 (about $123/sq ft).
Property tax estimate: $1,730 per year ($144/month). Tax figure is from the MLS listing record; verify with the county treasurer for the most current amount.
Electric service is provided by DTE Electric Company; natural gas by Consumers Energy Company.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms4
Bathrooms1
Living Area1,424 sqft
Lot Size1.38 acres
Year Built1900
Stories1
Location
CityOtter Lake
MunicipalityOtter Lake Vlg
Zip Code48464
CountyLapeer
School DistrictLakeville
Construction & Systems
ConstructionVinyl Siding
BasementMichigan Basement
Garage1 space
HeatingForced Air
WaterWell
SewerPublic
Sale & Financing
Listed7/7/2026
Original Price$160,000
Terms AcceptedCash, Conventional
Source: SparkMLS
Tax Information
Annual Tax$1,730
Parcel #04761500100
Source: SparkMLS
Legal Description
13 76 300 000 00 VILLAGE OF OTTER LAKE ORIGINAL PLAT LOTS 1 & 2, AND THAT PART OF LOTS 3, 4 & 5 LYING NWLY OF RR R/W, BLK 15.
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 Amy L Loomis
Five Star Real Estate Davison
Frequently Asked Questions about 6406 12th Street, Otter Lake, MI 48464
Which school district serves 6406 12th Street, Otter Lake, MI 48464?
Per MLS# 20261052022, 6406 12th Street, Otter Lake, MI 48464 is in the Lakeville boundaries. School district assignments are determined by property location and may differ from the mailing city. Contact Lakeville directly to confirm enrollment eligibility.
What financing options are available for 6406 12th Street, Otter Lake, MI 48464?
Per MLS# 20261052022, this listing accepts Cash, Conventional financing. Financing acceptance is subject to change — confirm with the listing agent.
What are the property taxes at 6406 12th Street, Otter Lake, MI 48464?
Per public tax records, annual property taxes for this property are $1,730. 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, 6406 12th Street, Otter Lake, MI 48464 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 6406 12th Street, Otter Lake, MI 48464 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 6406 12th Street, Otter Lake, MI 48464?
Per Michigan Public Service Commission service territory data: Electric: DTE Electric Company. Gas: Consumers Energy 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 Otter Lake Vlg police department or the Lapeer County sheriff's office.
Map
Mortgage Calculator
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Monthly payment$1,135
Principal & interest$1,135
Estimate only. Does not include PMI or other fees. Consult a lender for exact rates.
Utilities
DTE Electric Company
Investor-Owned
Consumers Energy Company
Investor-Owned
MI Public Service Commission service territory boundaries.
Property
6406 12th Street, Otter Lake, MI 48464
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Municipality
Marathon Township
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