212 E Allegan St, Otsego, MI, 49078
About This Home
Discover the perfect blend of charm, space, and opportunity in the heart of downtown Otsego! This spacious 4-bedroom, 2-bath home offers the potential for a 5th bedroom and is within walking distance of local shops, restaurants, parks, and all the community events that make Otsego such a desirable place to live. Whether you're looking for a place to call home or need space to operate a home-based business, this property offers incredible flexibility. Save money on commercial rent by running your business right from home while enjoying the convenience of being close to everything. Inside, you'll find a huge kitchen that opens to generous dining and living spaces, creating the perfect setting for entertaining or everyday living. Beautiful hardwood floors, ceramic tile, original woodwork, and built-in cabinets and shelving add timeless character throughout the home. Recent updates include a new lower roof, new carpet, and fresh paint throughout. All stainless steel kitchen appliances are included, and the newer furnace and 5-ton central air unit provide year-round comfort. Outside, enjoy a large fenced backyard and a detached two-car garage with plenty of room for storage, hobbies, or additional workspace. If you've been dreaming of working from home while spending more time with family, or simply want a spacious home in a prime location, this property is an opportunity you won't want to miss! Seller is a licensed real estate agent in Michigan.
Getting Around
Somewhat Walkable
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1870
Materials
- Roof: Composition
- Construction materials: Vinyl Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Traditional
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Cooktop,Dishwasher,Dryer,Freezer,Microwave,Oven,Refrigerator,Washer
- Laundry features: Laundry Room,Upper Level
Basement
- Has basement: Yes
- Basement: Full,Michigan Basement
Bedrooms & Bathrooms
- Bedrooms: 5
- Bathrooms: 2
- Full bathrooms: 2
- Main level bedrooms: 1
Features
- Center Island,Eat-in Kitchen,Pantry
- Window features: Replacement
- Flooring: Carpet,Ceramic Tile,Wood
- Finished area below ground: 0
Heating & Cooling
- Heating features: Forced Air
- Cooling features: Central Air
Interior Area
- Total structure area: 2,918
- Total interior livable area: 2,918 sqft
Property
Details
- Parcel number: 5410403050
Features
- Stories: 2
- Fencing: Privacy
Lot
- Lot size: 10,018 sqft
- Features: Level,Sidewalk,Ground Cover,Shrubs/Hedges
- Lot size dimensions: 68 x 148
Parking
- Total spaces: 2
- Parking features: Detached
- 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
- Strong Wind
- Tornado
- Cold Wave
- Hail
- Ice Storm
- Lightning
- Winter Weather
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters in Allegan County and Michigan
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $1,339 | $16,068 |
| Home Insurance * | $127 | $1,524 |
| Property Taxes | $220 | $2,640 |
| Electricity | $318 | $3,819 |
| Total | $2,004 | $24,048 |
Income You'd Need if You Spent...
Michigan FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-07-30 | Listed for sale | $264,900 |
| 2026-07-17 | Listing removed | $267,000 |
| 2026-07-07 | Price change | $267,000 |
| 2026-06-22 | Price change | $272,000 |
| 2026-06-05 | Price change | $279,900 |
| 2026-05-12 | Price change | $285,900 |
| 2026-05-04 | Listed for sale | $299,900 |
| 2018-04-30 | Sold | $88,500 |
| 2018-03-07 | Listed for sale | $95,900 |
| 2017-05-12 | Sold | $93,750 |
| 2016-03-07 | Sold | $125,000 |
| 2016-01-13 | Pending sale | $129,900 |
| 2015-12-03 | Listed for sale | $129,900 |
| 2015-11-26 | Pending sale | $129,900 |
| 2015-11-09 | Listed for sale | $129,900 |
| 2005-04-21 | Sold | $95,900 |
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