Otsego Homes with FHA Listing Terms

Otsego Homes with FHA Listing Terms

Welcome to Otsego, Michigan—a charming city nestled in the heart of Allegan County, where small-town warmth meets modern convenience. With a population of just over 4,500 residents, Otsego boasts a tight-knit community atmosphere that makes it an ideal place to call home. Known for its picturesque landscapes and vibrant downtown area, Otsego offers a delightful blend of local shops, eateries, and recreational opportunities. The city is surrounded by stunning natural beauty, including nearby parks and rivers, making it perfect for outdoor enthusiasts and families alike.

One of the standout features of the Otsego real estate market is the availability of homes with FHA listing terms. This means that first-time homebuyers or those looking to invest in property can take advantage of Federal Housing Administration loans, which often require lower down payments and more flexible credit requirements. Whether you're searching for a charming bungalow, a spacious family home, or a cozy townhome, Otsego has a diverse range of properties to suit every lifestyle and budget.

Living in Otsego also means enjoying a strong sense of community, with local events and festivals that bring residents together throughout the year. From farmers' markets to seasonal celebrations, there’s always something happening in this vibrant city. If you’re looking for a welcoming place to settle down, Otsego, MI, with its FHA-friendly homes, is a fantastic choice that promises both comfort and convenience. Come explore the possibilities and discover why so many are proud to call Otsego home!

Newest Otsego Homes with FHA Listing Terms

4 Beds ⋅ 3 Baths ⋅ 26049249 MLS ⋅ ACTIVE Status

Beautiful 4-bedroom, 2.5-bath home situated on nearly 3/4 of an acre in a desirable subdivision! Great curb appeal and a functional layout featuring a main-floor primary suite, main-floor laundry, and a versatile office/den. The 3-car attached garage offers plenty of parking and storage. A full unfinished basement provides tons of potential for additional living space, bedrooms, or recreation. Outside, enjoy the large, fully fenced backyard with plenty of room to entertain, play, or relax. Also available next door is a separate .735-acre buildable lot with a 32x60 pole barn—perfect for additional storage, hobbies, a workshop, or future building. Inquire about the opportunity to purchase both properties together! Seller offering a $10,000 paint/flooring concession at closing

425 Walden Drive, Otsego

4 Beds ⋅ 2 Baths ⋅ 26048464 MLS ⋅ ACTIVE Status

Country living meets modern convenience! Built in 2023, this beautiful 4 bedroom, 2 bath home sits on 3 peaceful country acres just outside the city in the desirable Otsego School District. Enjoy the privacy and space of a rural setting while having a newer home with modern finishes and thoughtful design. With four bedrooms, there is plenty of room for family, guests or a home office. The expansive acreage provides endless possibilities for outdoor enjoyment, gardening, recreation or simply relaxing and taking in the peaceful surroundings. If you're looking for a newer home with room to roam this one is worth a look! Reserved Items: Washer and dryer in basement, garage refrigerator, ring cameras, shed, playset and TV wall mounts.

1495 110th Avenue, Otsego

3 Beds ⋅ 2 Baths ⋅ 26048081 MLS ⋅ ACTIVE Status

Homegrown happiness starts here! Tucked away at the end of a cul-de-sac in the City of Otsego, this 3-bedroom, 2-bath home offers an inviting combination of updates, functionality and outdoor space. Step inside to an updated kitchen featuring a snack bar and adjoining dining area with sliders leading to the deck overlooking the spacious backyard. The main floor offers a primary bedroom with a private bath and convenient main-floor laundry, while two additional bedrooms are located upstairs. The basement provides additional space and possibilities for storage, recreation or future finishing. Outside, enjoy a mature, producing garden complete with raised beds and drip irrigation, along with plenty of yard space for pets, play and entertaining. A spacious two-stall attached garage adds even more functionality. Major mechanical updates include a new furnace in May 2026 and central air in 2022. Conveniently located near downtown Otsego, schools, parks and US-131. Fresh from the garden and ready to welcome you home!

136 Florence Street, Otsego

2 Beds ⋅ 1 Baths ⋅ 26045868 MLS ⋅ ACTIVE Status

RARE FIND IN OTSEGO — COMPLETELY RENOVATED & MOVE-IN READY! Welcome home to this beautifully renovated 2-bedroom, 1-bath home situated on a HUGE double corner lot in Otsego! This home has received a complete makeover, with updates throughout including a new roof, plumbing, electrical, flooring, windows, water heater, furnace, bathroom, and kitchen. All appliances are included, Making this home truly move-in ready! Outside, you'll love the expansive yard with plenty of room for entertaining, pets, gardening, or a play area. Enjoy relaxing evenings around the firepit and take advantage of the invisible fencing already installed. The property also features a 2-car garage with electricity and a new garage door, offering plenty of room for vehicles, storage, or a workshop. Located within walking distance of Otsego Public Schools, this home offers the perfect combination of convenience, major updates, and outdoor space. Open House Sunday 8-30-26 @2pm-3pm Call/text Britinie @ 269-370-4582 additional driveway on the north side of the property

363 Garfield Street, Otsego

4 Beds ⋅ 2 Baths ⋅ 26044332 MLS ⋅ ACTIVE Status

Built in 2005 and tucked into an established downtown neighborhood, this 4-bedroom, 2-full-bath home offers something that's hard to find in this part of town: the convenience and character of an older neighborhood with a much newer home. The exterior has been thoughtfully updated with stone accents and warm wood architectural details that add character and curb appeal, plus a new roof in 2020. Inside, the open main level features vaulted ceilings, new carpet, and a spacious living area that flows into the kitchen and dining space. The kitchen offers stainless steel appliances, updated backsplash, plenty of cabinetry, and access to the backyard. The primary bedroom is generously sized, and the finished lower level adds even more flexible living space along with additional bedrooms.Outside, enjoy a fully fenced backyard, attached two-car garage, and a location close to everything downtown has to offer. With four bedrooms, two full baths, newer construction, and numerous updates throughout, 409 E Orleans St. offers a combination that's hard to find in this established downtown neighborhood.

409 E Orleans Street, Otsego

2 Beds ⋅ 1 Baths ⋅ 26044161 MLS ⋅ ACTIVE Status

Great Opportunity in the Heart of Otsego! Bring your vision and unlock the potential of this 3-bedroom, 1-bath home in Otsego! The main level offers a comfortable layout with a spacious living area, dining space, and kitchen, while three bedrooms and a full bathroom provide plenty of room to make this home your own. A partial basement adds valuable storage and additional possibilities. Situated on a nice-sized city lot, this property is a fantastic opportunity. With some updates and TLC, this diamond in the rough could truly shine!

300 Lincoln Street, Otsego

2 Beds ⋅ 1 Baths ⋅ 26043621 MLS ⋅ ACTIVE Status

Charming two-bedroom waterfront retreat on Schnable Lake in Otsego, MI. The large living room includes a fireplace and opens directly to a sunlit three-season room with sweeping lake views. Cook and host with ease in the bright, open kitchen. Features include an updated bathroom, dedicated laundry area off the front porch, two bedrooms with large closets, and excellent fishing on a quiet, no-wake lake. Schedule your private tour today. New list price includes all the furniture, electric lawnmower, three paddle boards, brand new inflatable kayak in box, two window unit air conditioners, and the outdoor patio furniture.

1407 Taylor Drive, Otsego

4 Beds ⋅ 2 Baths ⋅ 26042785 MLS ⋅ ACTIVE Status

Welcome to 1746 104th Avenue in Otsego! This property offers nearly 1.5 acres of space, providing plenty of room to enjoy the outdoors, create your own garden, or simply appreciate the peaceful setting. While conveniently located next to Otsego High School. The perfect home as your family grows! Main level laundry, because laundry is enough work without adding extra stairs! A spacious pole barn adds valuable storage and workspace for hobbies, equipment, or projects. You will also love the deck, offering a great place to relax, entertain, or enjoy the surrounding property. With a great size lot, useful pole barn, outdoor living space, and a convenient location, this property has so much to offer and is ready for its next owner.

1746 104th Avenue, Otsego

4 Beds ⋅ 3 Baths ⋅ 26041657 MLS ⋅ ACTIVE Status

New construction home in Southpointe Trails, located in Otsego school district. This traditional two-story home features 1,830 sqft of thoughtfully designed living space with 4 bedrooms and 2.5 baths, created for comfort and easy everyday living. The main level offers a spacious great room that flows seamlessly into the kitchen, where a breakfast bar and pendant lighting naturally transition the spaces while maintaining an open, connected feel. Whether hosting gatherings or enjoying a quiet evening, the layout feels both functional and inviting. The kitchen showcases desirable upgrades including quartz countertops, a tile backsplash, white cabinetry, and a complete stainless steel appliance package with refrigerator. A first-floor laundry room, convenient powder room, and dedicated mudroom add everyday practicality and organization right where you need it most. Upstairs, all four bedrooms are positioned for privacy, including a generous primary suite with a private bath and walk-in closet. An additional full bathroom serves the remaining bedrooms, offering comfort and flexibility for guests, hobbies, or a home office. The home includes a patio to the backyard, creating the perfect space for outdoor dining, entertaining, or relaxing while seamlessly extending your living space for easy indoor-outdoor living. With energy-efficient construction and a layout designed for both function and flow, this home blends comfort, style, and smart design into a space that feels easy to come home to. RESNET energy smart construction will save an estimated $1,506 annually. Actual savings may vary. See HERS® Rating Certificate and Energy Smart Flyer for details. Home includes a 10-year structural warranty, offering lasting peace of mind. Over 30 years newer and over 300 sq ft larger than similarly priced homes in the area. Contact our team to schedule your private tour of this brand new home today!

1656 Aspen Trails, Otsego

2 Beds ⋅ 3 Baths ⋅ 26038980 MLS ⋅ ACTIVE Status

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!

1958 Cygnet Drive, Otsego

4 Beds ⋅ 2 Baths ⋅ 26013157 MLS ⋅ ACTIVE Status

New construction home in Southpointe Trails, located in Otsego school district. This thoughtfully designed split-level home offers 2,072 square feet, 4 bedrooms, and 2 full baths with a layout that maximizes both shared living space and private retreats. The kitchen showcases desirable upgrades including quartz countertops, a tile backsplash, white cabinetry, and a complete stainless steel appliance package with refrigerator. Sliding glass doors off the great room lead to a 10x10 deck, creating an inviting outdoor living space that extends the home for relaxing or entertaining. The primary suite is privately positioned on the upper level and includes its own full bath and generous closet space. The lower level adds exceptional flexibility with a full rec room that can easily serve as an office, study area, or den. Three spacious bedrooms and an additional full bath provide comfortable accommodations, while a dedicated utility area includes a washer and dryer. Daylight windows bring in abundant natural light, making the lower level feel open and welcoming. RESNET energy smart construction will save an estimated $1,209 annually. Actual savings may vary; see HERS® Rating Certificate and Energy Smart Flyer for details. Home includes a 10-year structural warranty, offering lasting peace of mind. Over 30 years newer and 500 sq ft larger than similarly priced homes in the area. Contact our team to schedule your private tour today!

1674 Aspen Trails, Otsego

25060239 MLS ⋅ ACTIVE Status

Buildable - see main listing 722 River Rd. (MLS #25060226) for additional info

722 River Road, Otsego

Start Your Search