Sold
736 Irving Street, Otsego, MI 49078
Sold on 05/13/2026 for$285,000
MLS # 26016151 (Michigan Regional Information Center (MichRIC))
3 beds2 baths1,647 sqftBuilt 19720.8 acres
1 / 46
Listing Description
Welcome to a home that gives you space, flexibility, and a location that's hard to beat. This well-cared-for 3-bedroom, 2-bath home sits just steps from Memorial Park, with a fully fenced backyard that backs directly to green space--offering both privacy and room to enjoy the outdoors. Inside, you'll find an expansive main living area with direct access to the backyard, making everyday living and entertaining feel effortless. The layout offers flexibility with a large separate dining area that can easily serve as a second living space, home office, or flex room to fit your lifestyle. The primary suite features its own private full bath, while the kitchen provides generous space along with an additional dining area for casual meals. Downstairs, the Partially finished basement is ready for your vision--whether that's a rec room, home gym, or additional living space. Major updates include a new water heater and upgraded electrical, giving you added peace of mind.
Source: SparkMLS
About this home
This 3-bedroom, 2-bath, 1,647 sq ft home built in 1972 sits in Otsego Township in Otsego.
This home sold for $285,000 (about $173/sq ft).
Annual property taxes run approximately $5,723 ($477/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
Bedrooms3
Bathrooms2
Living Area1,647 sqft
Lot Size0.8 acres
Year Built1972
Stories1
Location
CityOtsego
MunicipalityOtsego City
Zip Code49078
CountyAllegan
School DistrictOtsego
Construction & Systems
StyleRanch
ConstructionVinyl Siding
BasementFull
Garage3 spaces
HeatingForced Air
WaterPublic
SewerPublic
UtilitiesNatural Gas Available, Electricity Available
InteriorCeiling Fan(s)
Sale & Financing
Listed4/16/2026
Sold Date5/12/2026
Terms AcceptedCash, FHA, VA Loan, Conventional
Source: SparkMLS
Tax Information
Annual Tax$5,723
Tax Year2023
Assessed Value$124,647
Parcel #54-340-011-00
Source: SparkMLS
Legal Description
LOTS 10 & 11 HEALEY'S ADDITION
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 Lori S Marvin
Five Star Real Estate (Ada)
Frequently Asked Questions about 736 Irving Street, Otsego, MI 49078
Which school district serves 736 Irving Street, Otsego, MI 49078?
Per MLS# 26016151, 736 Irving 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# 26016151, this listing accepts Cash, FHA, VA Loan, 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 736 Irving Street, Otsego, MI 49078?
Per public tax records, annual property taxes for this property are $5,723 (2023). 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, 736 Irving 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 736 Irving 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 736 Irving 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$1,849
Principal & interest$1,849
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
736 Irving Street, Otsego, MI 49078
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Municipality
Otsego Township
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