Zutphen
Strong schools draw families here
Median $560K·Walkability 1.0/10·Schools 8.8/10
Biking or driving through this stretch of Ottawa County farmland feels like stepping back in time—you're moving through open fields and rural roads where a farm equipment dealer and a single church anchor what little there is. This hamlet, named after a town in the Netherlands, was settled in the 1860s alongside other Dutch-named communities dotting West Michigan, and it's held onto that character through sheer quiet persistence. A historical cemetery and the memory of a post office that operated from 1882 to 1906 are about all the footnotes this place gets, which seems fitting for a community that's technically the last town alphabetically in Michigan. Located within Jamestown charter township, it sits about three miles from Hudsonville's suburban edge—close enough to access shops and schools, far enough out that you're genuinely in farm country. The homes that do exist here tend to sit on substantial lots, the kind of land where privacy and acreage matter more than density.
Why people love it here
Forest Grove Elementary School
- Elementary — 2.2 mi away
- Hudsonville
- 4 rated schools in district
$560K median
- 8 sales in last 12mo
Conventional Mortgage Calculator
Median home price in Zutphen
Estimated Monthly Payment
$3,802/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.
8 homes sold in Zutphen this year. Thinking of selling?
See what your home is worthBased on 6 rated schools nearby
Range: 7/10 to 10/10
School District: Hudsonville Public School District
Walkability
Car-dependent
Overall walkability score out of 10
Based on actual walk/bike/drive times to nearby amenities via Mapbox
Meijer
The Derby Tavern
Ziggi's Coffee
Delicias fusión kitchen & bar
+1 more
Van Zoeren Woods
Highland Park Playground
Mud Lake
Unnamed beach
1.21 Mile Loop
Kenowa Trail
Snap Fitness
Patmos Library
Hudsonville Early Childhood Center
Celebration! Cinema RiverTown Crossings
Crime in Zutphen 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 Ottawa County.
Ottawa County crime & safety stats →To buy a median-priced Zutphen home (around $560,000) at today's 6.49% 30-year fixed rate with 20% down, you'd need roughly $99k/year in household income to qualify — an estimated monthly payment of $3,725 (principal, interest, property tax est., and insurance).
| Down payment | Monthly payment | Income needed |
|---|---|---|
| 20% | $3,725/mo | $99,326 |
| 10% (+PMI) | $4,288/mo | $114,355 |
| 5% (+PMI) | $4,477/mo | $119,381 |
Estimates use a 6.49% 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.
Land for sale
Listings
1 parcel
Active / pending
Typical Land Value
$763K/acre
Median asking
Median Price
$1.0M
Per listing
Who actually lends in Zutphen, and how homes here are financed — from 2024 federal mortgage records.
Loans to buy a home
Most active lenders
Homeowners refinancing an existing mortgage
Most active lenders
Source: 2024 HMDA (CFPB/FFIEC). Neighborhood figures are area-weighted estimates from census-tract data; loan amounts are rounded and all-cash purchases are excluded.
Local Government · area-wide
Jamestown Charter Township
Source: twp.jamestown.mi.us · 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
~$908/yr in electricity from a typical rooftop solar system
Produces ~6,351 kWh/yr · offsets ~60% of a typical home's use
Private well
Based on assessor parcel records
Septic (individual)
Based on assessor parcel records
Resident-arranged hauler
Residents contract private hauler.
Consumers Energy Co|Great Lakes Energy Coop · ~14.3¢/kWh
Regional IOU; inferred.
Confirm by addressConsumers Energy / SEMCO Energy
Regional gas utility; inferred.
Confirm by addressOttawa County Sheriff's Office
Law enforcement via Ottawa County Sheriff (Sgt. Chris Dill 616-738-4181).
Services for Jamestown · Source: twp.jamestown.mi.us
Utility, solar, and service details for Zutphen 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.
Nearest Park
Van Zoeren Woods
1.9 mi
Parks Nearby
0
within 1 mile
🛒 Grocery(5)
+2 more within 5 miles
🍕 Restaurants(8)
+3 more within 5 miles
☕ Coffee(11)
+8 more within 5 miles
🍺 Bars(5)
+2 more within 5 miles
🏫 Schools(12)
Riley Street Middle School
School
Jamestown Upper Elementary School
School
Jamestown Lower Elementary School
School
School
School
+7 more within 5 miles
💪 Gyms(1)
Snap Fitness
Fitness Center
🌳 Parks(4)
+1 more within 5 miles
🚴 Trails(8)
+5 more within 5 miles
💊 Pharmacies(1)
Rite Aid
Pharmacy
👶 Childcare(1)
Hudsonville Early Childhood Center
Childcare Center
📚 Libraries(1)
Patmos Library
⚡ EV Charging(2)
EV Charging
EV Charging
Frequently asked about Zutphen
- What do homes cost in Zutphen?
- The median home value in Zutphen is about $560,000. Individual prices vary by street, size, and condition.
- How active is the Zutphen housing market?
- there are 3 homes for sale in Zutphen right now, and 8 homes sold here in the last 12 months. Listings refresh throughout the day from the MichRIC MLS.
- What schools serve Zutphen?
- Zutphen is served by Hudsonville Public School District. Its highest-rated assigned school is Forest Grove Elementary School (10/10).
- Is Zutphen walkable?
- Zutphen scores 1.0/10 for walkability — a measure of walking, biking, and driving access to groceries, dining, parks, schools, and transit.
Top contributors in Zutphen
Detailed statistics are being computed for this location. Demographics, home values, schools, flood risk, and more will appear here automatically.