6406 12th St, Otter Lake, MI, 48464
About This Home
Welcome Home to Peace, Privacy & Small-Town Living! Minutes away from Otter Lake! Don't miss this spacious 4-bedroom, 1.5-bath ranch situated on approximately 3 beautiful acres offering the perfect blend of privacy and convenience. The property features a partially finished Michigan basement, attached 1-car garage with electricity, two additional storage sheds, and a partially completed privacy fence. Nature lovers will appreciate the multiple mature fruit trees, fruit vines, and producing plants, creating your own backyard orchard. Relax under the shade of mature trees or enjoy the open yard with endless possibilities for gardening, entertaining, or recreation. Major updates provide added peace of mind, including a new roof within the last 5 years and central heating and air conditioning replaced within the last 8 years. Located within walking distance to a convenience store, restaurant, and gas station, you'll enjoy small-town convenience while still having room to spread out. Outdoor enthusiasts will love the nearby bike trail and free beach access for swimming, fishing, and enjoying Michigan summers. Whether you're looking for your first home, a place to raise a family, or simply more room to enjoy the outdoors, this property offers an incredible opportunity with space, updates, and a desirable location. Schedule your private showing today!
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1900
Materials
- Foundation: Michigan Basement
- Construction materials: Vinyl Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Ranch
- Property subType: Single Family Residence
Interior
Basement
- Has basement: Yes
- Basement: Interior Entry,Unfinished
Bedroom
- Level: Entry
- Area: 96
- Dimensions: 12 X 8
Bedroom
- Level: Entry
- Area: 108
- Dimensions: 12 X 9
Bedroom
- Level: Entry
- Area: 96
- Dimensions: 12 X 8
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 1
- Full bathrooms: 1
Features
- Finished area above ground: 1,424
Heating
- Heating features: Forced Air,Natural Gas
Interior Area
- Total interior livable area: 1,424 sqft
Other
- Level: Entry
- Area: 72
- Dimensions: 9 X 8
Primary Bedroom
- Level: Entry
- Area: 150
- Dimensions: 15 X 10
Property
Details
- Parcel number: 04761500100
- Special condition: Short Sale No,Standard
Features
- Levels: One
- Stories: 1
- Entry location: GroundLevelwSteps
- Pool features: None
Lot
- Lot size: 1.38 Acres
- Lot size dimensions: Irregular
Parking
- Total spaces: 1
- Parking features: One Car Garage,Detached,Side Entrance
- Has garage: Yes
- Attached garage spaces: 1
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
- Cold Wave
- Strong Wind
- Tornado
How This Home’s Risks Compare
FEMA Declared Disasters in Lapeer 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 | $809 | $9,708 |
| Home Insurance * | $91 | $1,092 |
| Property Taxes | $321 | $3,852 |
| Electricity | $188 | $2,259 |
| Total | $1,409 | $16,908 |
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 |
|---|---|---|
| 2026-07-29 | Price change | $160,000 |
| 2026-07-13 | Price change | $175,000 |
| 2026-07-08 | Listed for sale | $160,000 |
| 2023-09-01 | Sold | $110,000 |
| 2017-03-02 | Sold | $52,000 |
| 2017-01-06 | Price change | $59,700 |
| 2016-07-02 | Listed for sale | $65,500 |
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