Sold
820 S Tall Tree, Gaylord, MI 49686
Sold on 04/09/2026 for$475,000
MLS # 1942936 (Northern Great Lakes REALTORS® MLS)
4 beds3 bathsBuilt 19900.28 acres
1 / 44
Listing Description
Walk out on the channel of highly sought after Otsego Lake in Gaylord! This inviting four bedroom ranch style home welcomes you with an open main floor designed for both comfort and connection. Updated kitchen finishes, vaulted ceilings, and expansive windows create a bright and airy space that frames peaceful views of the backyard and water. The main level features two bedrooms, including a serene primary suite with a private ensuite that feels like a retreat. The finished lower level adds two more bedrooms, a full bathroom, and convenient laundry, offering plenty of room for guests or extended living. Step outside to a wrap around deck and a cozy firepit that set the stage for unforgettable gatherings. This is a rare chance to experience lake living at its best and you will not want to miss it!
Source: SparkMLS
About this home
This 4-bedroom, 3-bath home built in 1990 sits in Gaylord.
This home sold for $475,000.
Electric service is provided by Great Lakes Energy Cooperative; natural gas by DTE Gas Company.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms4
Bathrooms3
Lot Size0.28 acres
Year Built1990
Stories1
Location
CityGaylord
Zip Code49686
CountyOtsego
Construction & Systems
BasementOther
HeatingNatural Gas, Forced Air
WaterPrivate Water
Sale & Financing
Listed3/11/2026
Sold Date4/8/2026
Terms AcceptedCash, Conventional, FHA
Source: SparkMLS
Property Records
USDA Rural Development: Eligible — 0% Down Payment Available
Verify eligibility at USDAListed by Renee W Waverly
Brookstone, Realtors
Frequently Asked Questions about 820 S Tall Tree, Gaylord, MI 49686
Can I use FHA or VA financing for this property?
Per MLS# 1942936, the seller has indicated this property accepts the following financing types: Cash, Conventional, FHA. FHA financing can offer lower down payment requirements for qualified buyers. Financing acceptance is subject to change — confirm with the listing agent.
Is 820 S Tall Tree, Gaylord, MI 49686 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.
Who are the utility providers for this property?
Per Michigan Public Service Commission service territory data: Electric: Great Lakes Energy Cooperative. Gas: DTE Gas Company. Water: Private Water. Confirm service details directly with providers.
How safe is this area?
For crime and public safety data, we recommend inquiring directly with the local police department or county sheriff's office.
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Monthly payment$3,081
Principal & interest$3,081
Estimate only. Does not include PMI or other fees. Consult a lender for exact rates.
Utilities
Great Lakes Energy Cooperative
Co-op
DTE Gas Company
Investor-Owned
MI Public Service Commission service territory boundaries.
Property
820 S Tall Tree, Gaylord, MI 49686
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