Swan Bluff Estates
Quiet lots near top schools
Median $395K·Walkability 0.0/10·Schools 5.8/10
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Why people love it here
42,610 sq ft avg lots
- 24 homes
Otsego High School
- High — 1.5 mi away
- Otsego
- 4 rated schools in district
$395K median
- 4 sales in last 12mo
Conventional Mortgage Calculator
Median home price in Swan Bluff Estates
Estimated Monthly Payment
$2,682/mo
Property tax and insurance are estimates you can edit — not a quote. Tap either figure to enter your own.
The interest rate shown is not an annual percentage rate (APR). Rate displayed is the current average 30-year fixed rate from the Freddie Mac Primary Mortgage Market Survey and is subject to change without notice. Your actual rate, payment, and costs may vary. Contact a loan officer for a personalized quote.
Guild Mortgage NMLS #3274. Equal Housing Opportunity. NMLS Consumer Access. Not a commitment to lend. All loans subject to underwriter approval; terms and conditions may apply. Subject to change without notice. Always consult an accountant or tax advisor for full eligibility requirements on tax deduction.
4 homes sold in Swan Bluff Estates this year. Thinking of selling?
See what your home is worthMedian Sale Price
$395K
4 sales in last 12mo
Parcels / Units
24
Median Lot Size
0.79 ac
0.69 ac – 2.5 ac
Expected Rent
$1,375/mo
$1,225 – $1,550 · estimated range
Based on 4 rated schools nearby
Range: 4/10 to 9/10
School District: Otsego Public Schools
Walkability
Car-dependent
Overall walkability score out of 10
Based on actual walk/bike/drive times to nearby amenities via Mapbox
ALDI
Casa Real
Mezzo Coffee House
North Side Park
Playground in John Kolwoord's Add
Walgreens
Otsego District Public Library
Plainwell Corners Preschool
M-89 Cinema
Crime in Swan Bluff Estates is reported at the city level, not the neighborhood level. The FBI doesn't publish reliable crime rates for individual neighborhoods, and within any community crime varies street to street. For an accurate, comparable picture, see the jurisdiction-wide figures for Allegan County.
Allegan County crime & safety stats →To buy a median-priced Swan Bluff Estates home (around $395,000) at today's 6.65% 30-year fixed rate with 20% down, you'd need roughly $71k/year in household income to qualify — an estimated monthly payment of $2,661 (principal, interest, property tax est., and insurance).
| Down payment | Monthly payment | Income needed |
|---|---|---|
| 20% | $2,661/mo | $70,950 |
| 10% (+PMI) | $3,062/mo | $81,662 |
| 5% (+PMI) | $3,197/mo | $85,262 |
Estimates use a 6.65% 30-year fixed rate (current Freddie Mac average), an aggressive ~45% housing-to-income ratio (roughly what FHA underwriting can allow for a buyer with no other monthly debts — your number depends on your debts and credit), this area's median sale price, plus estimated insurance and PMI below 20% down. Not a commitment to lend, and not an APR — your actual rate and payment will vary.
Homeowners Association
Swan Bluff Estates (condominium development / association), Otsego
Source: remax-michigan.com · unconfirmed
Local Government · area-wide
Otsego Township
Source: otsegotownship.org · unconfirmed
Association and local-government details are compiled from public records, municipal sites, and state registries, and can change. Confirm directly with the association or municipality before relying on them.
Solar potential
~$901/yr in electricity from a typical rooftop solar system
Produces ~6,306 kWh/yr · offsets ~60% of a typical home's use
Otsego Township Public Utilities
Township water/sewer department in developed areas; rural parcels on private wells.
Township curbside / bulk trash program
Township offers bulk trash and curbside service options.
Township curbside recycling / depot
Curbside recycling and recycling depot services offered.
Consumers Energy Co|Great Lakes Energy Coop · ~14.3¢/kWh
Standard provider.
Confirm by addressConsumers Energy / SEMCO Energy
Natural gas; SEMCO serves parts of this area.
Confirm by addressServices for Otsego Township · Source: otsegotownship.org
Utility, solar, and service details for Swan Bluff Estates are compiled from public records, municipal sites, and NREL / U.S. data.gov, and can change. Electric/gas can vary by address — confirm with the provider before relying on them.
Flood Risk
None
Not in flood zone
Nearest Park
North Side Park
2.4 mi
Parks Nearby
0
within 1 mile
🛒 Grocery(4)
+1 more within 5 miles
🍕 Restaurants(5)
☕ Coffee(4)
+1 more within 5 miles
🏫 Schools(17)
Otto School
Hart School
School
School
+12 more within 5 miles
💪 Gyms(1)
River Bend Yoga
Fitness Center
🚴 Trails(6)
Cycleway from Brookside Dr to S US 131
Bike Path
Bike Path
Bike Path
Unnamed bike_path
Bike Path
+3 more within 5 miles
🏥 Hospitals(1)
Hospital
📚 Libraries(1)
Otsego District Public Library
Atlas — Grand Rapids Real Estate
Local real estate specialists
Questions about Swan Bluff Estates? Our team can help with availability, schools, and what it's really like to live here.
Frequently asked about Swan Bluff Estates
- What do homes cost in Swan Bluff Estates?
- The median home value in Swan Bluff Estates is about $395,000. Individual prices vary by street, size, and condition.
- How active is the Swan Bluff Estates housing market?
- no homes are listed in Swan Bluff Estates right now, and 4 homes sold here in the last 12 months. Listings refresh throughout the day from the MichRIC MLS.
- What schools serve Swan Bluff Estates?
- Swan Bluff Estates is served by Otsego Public Schools. Its highest-rated assigned school is Otsego High School (9/10).
- Is Swan Bluff Estates walkable?
- Swan Bluff Estates scores 0.0/10 for walkability — a measure of walking, biking, and driving access to groceries, dining, parks, schools, and transit.