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1958 Cygnet Dr, Otsego, MI, 49078

2beds
3baths
1,362sqft
$374,900
$275price/sqft
$2,576/moest. monthly cost
$103,040/yrincome needed

About This Home

New spacious bi-level with 1,362 sqft of living space! The large foyer invites you in, opening to a convenient mudroom with boot bench & half bath with main floor laundry. The kitchen features white (soft close) cabinetry, quartz countertops, tile backsplash, large center island, pantry, & stainless-steel appliances. The expanded floor plan creates a larger open concept kitchen, dining, & living area with cathedral ceilings, along with generously sized bedrooms. The primary suite includes dual sinks, a walk-in shower, and a large walk-in closet, while the second main-floor full bath also offers dual sinks for added convenience. The lower level has several daylight windows, providing flexibility for future bedrooms or additional living space. The oversized garage can easily accommodate larger vehicles and offers excellent storage. Set on a generous .70-acre lot, this new home offers peaceful country living with quick access to downtown Otsego and main roads for commuting. Tour today!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
22
BikeSomewhat Bikeable

Schools

6/10
Otsego Middle SchoolGrades 6-81.7 mi
8/10
Otsego High SchoolGrades 9-121.4 mi

Construction

Condition

  • Property condition: New Construction
  • New construction: Yes
  • Year built: 2026

Materials

  • Roof: Composition,Shingle
  • Construction materials: Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Range,Refrigerator
  • Laundry features: Electric Dryer Hookup,Main Level,Washer Hookup

Basement

  • Has basement: Yes
  • Basement: Crawl Space,Daylight,Full

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1
  • Main level bedrooms: 2

Features

  • Ceiling Fan(s),Center Island,Pantry
  • Window features: Low-Emissivity Windows
  • Finished area below ground: 0

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,362
  • Total interior livable area: 1,362 sqft

Property

Details

  • Parcel number: 031763000119

Features

  • Stories: 2

Lot

  • Lot size: 0.70 Acres
  • Lot size dimensions: 100' x 304.92'

Parking

  • Total spaces: 2
  • Parking features: Garage Faces Front,Garage Door Opener,Attached
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Inland Flooding
    Inland FloodingRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Inland Flooding
Strong Wind
Cold Wave
Hail
Lightning
Tornado
Winter Weather
Tsunami

FEMA Declared Disasters in Allegan County and Michigan

Severe Ice Storm
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $1,895$22,740
Home Insurance *$181$2,172
Property Taxes $312$3,744
Electricity $188$2,259
Total$2,576$30,912
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$88,320/yr
40% on housing$77,280/yr
45% on housing$68,693/yr

Michigan FAIR Plan Programs

Michigan Basic Property Insurance Association

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 15,981Commercial: 293
Total Premiums$13.85M
Total Exposure$2.60B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 18.9%
18.9%
0%30.0%
Electricity Growth Rate10-year average: 3.9%
3.9%
0%15.0%
Property Taxes Growth Rate2-year average: 0.0%
0.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$275This listing

vs Other Active Listings

Avg $/sqft

ZIP 49078$141
Allegan County$259

vs Homes Sold Last Month

Median $/sqft

ZIP 49078$167
Allegan County$217

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

No zestimate history available

Price History

DateEventPrice
2026-07-28Listed for sale$374,900

New Construction

AgentAshley Gauthier
BrokerageColdwell Banker Sneller Real Estate

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