Sold
802 Kay Street, Otsego, MI 49078
Sold on 02/17/2026 for$300,000
MLS # 26001240 (Michigan Regional Information Center (MichRIC))
3 beds2 baths2,198 sqftBuilt 19630.27 acres
1 / 31
Listing Description
When quality meets value, it's something special just like this impeccably maintained home. The upper level offers 3 spacious bedrooms with great closet space and a full bath with dual sinks. The main level features an open kitchen with ample cabinets, stainless steel appliances, solid surface counters, ceramic flooring, dining area. Generous open living room with a slider to a private, fenced patio. The lower level includes a laundry area with walk-up access, a 2nd full bath, family room with fireplace, and game room area with garden-level windows. The finished basement adds a bar and another large flex space. 2-car attached + 2-car detached garages, a shed, and plenty of parking. All appliances stay with home and all furnishings negotiable!
Source: SparkMLS
About this home
Located in Otsego Township in Otsego, this property offers 3-bedroom, 2-bath, 2,198 sq ft, with original construction dating to 1963.
This home sold for $300,000 (about $136/sq ft).
Property tax estimate: $5,362 per year ($447/month). Tax figure is from the MLS listing record; verify with the county treasurer for the most current amount.
Broadband is available with download speeds up to 1,000 Mbps from 8 providers. 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 Area2,198 sqft
Lot Size0.27 acres
Year Built1963
Stories3
Location
CityOtsego
MunicipalityOtsego City
Zip Code49078
CountyAllegan
School DistrictOtsego
Construction & Systems
ConstructionBrick, Vinyl Siding
BasementFull, Partial
Garage4 spaces
HeatingForced Air
WaterPublic
SewerPublic
UtilitiesPhone Available, Natural Gas Available, Electricity Available, Cable Available, Phone Connected, Natural Gas Connected, Cable Connected
InteriorBroadband, Garage Door Opener, Eat-in Kitchen
Sale & Financing
Listed1/28/2026
Sold Date2/16/2026
Terms AcceptedCash, FHA, VA Loan, Conventional
Concessions$2,500
Source: SparkMLS
Tax Information
Annual Tax$5,362
Tax Year2025
Assessed Value$117,873
Parcel #54-750-015-00
Source: SparkMLS
Legal Description
LOT 15 RIDGEBROOK SUBDV. SEC 26 T1N R12W.
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 Tracey Roy
The Charles Reinhart Company
Frequently Asked Questions about 802 Kay Street, Otsego, MI 49078
What school district is 802 Kay Street, Otsego, MI 49078 in?
Per MLS# 26001240, this property is served by Otsego. In Michigan, school district boundaries are set by the state and do not always follow city limits.
What financing options are available for 802 Kay Street, Otsego, MI 49078?
Per MLS# 26001240, 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# 26001240, the most recent reported annual property tax for 802 Kay Street, Otsego, MI 49078 is $5,362 (2025). 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 802 Kay Street, Otsego, MI 49078 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, 802 Kay Street, Otsego, MI 49078 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.
Is fiber internet available at 802 Kay Street, Otsego, MI 49078?
Per FCC Broadband Data Collection filings, fiber internet is not currently available at 802 Kay Street, Otsego, MI 49078. The maximum advertised download speed is 1.0 Gbps. 8 internet providers serve this address. Confirm availability and speeds directly with providers.
Who are the utility providers for this property?
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.
How safe is 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$1,943
Principal & interest$1,943
Estimate only. Does not include PMI or other fees. Consult a lender for exact rates.
Internet
Download
1 Gbps
Upload
35 Mbps
CableLicensed Fixed WirelessGSO SatelliteUnlicensed Fixed WirelessSatelliteDSL
8 providers at this address
SpectrumCable
1 GbpsVerizonLicensed Fixed Wireless
300 MbpsStarlinkGSO Satellite
280 MbpsMercury FiberUnlicensed Fixed Wireless
150 MbpsViasat IncSatellite
100 MbpsHughesNetSatellite
50 MbpsAT&TDSL
10 MbpsT-MobileLicensed Fixed Wireless
0 MbpsFCC Broadband Data Collection (Dec 2025). Max advertised speeds.
Utilities
Consumers Energy Company
Investor-Owned
Michigan Gas Utilities Corporation
Investor-Owned
MI Public Service Commission service territory boundaries.
Property
802 Kay Street, Otsego, MI 49078
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Municipality
Otsego Township
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