1000 Eley St, Otsego, MI 49078 Property Records

Allegan County property record for 1000 Eley St, Otsego, MI 49078

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,656 sqft · built 2016
Lot Size	0.375 acres (16,335 sqft)
Owner	Individual Name on Record
Last Sale	$350,000 (May 2026)
Tax Bill	$6,830 (2025)
Deeds & Mortgages	May 2026 Sale Dec 2022 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`54-278-171-00`

Property Details

APN / Parcel Number

Primary APN	`54-278-171-00`

Interior

Full Baths	2 Baths
Building Area	1,656 sqft Living Area
1st Floor Area	1,656 sqft
Basement Area	1,656 sqft
Unfinished Basement	1,656 sqft

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Architectural Style	Ranch
Lot Area	16,335 sqft (0.375 acres)
Lot Dimensions	140 ft deep x 139 ft wide
Garage Area	676 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1000 ELEY ST
City	OTSEGO
State	MI
Zip	49078-2500
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-A
Legal Description	LOT 171 ELEY ACRES VI SEC 26 T1N R12W (03).
Legal Range	12W
Legal Township	01N
Legal Section	26
Legal Subdivision	ELEY ACRES VI
Legal Lot Number	171
Jurisdiction	ALLEGAN MI
Township / Civil Division	OTSEGO
Census Block Group	3
Census Block	3012
Census Tract	31900

Owner

Source: Allegan County records, as of June 25, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	8061 16TH AVE NW, SEATTLE, WA 98117-3608
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 19, 2026	Warranty Deed, Transfer AGSTAR TITLE, STAR TITLE
Dec 6, 2022	Warranty Deed, Transfer · FHA Mortgage NEIGHBORHOOD LOANS
Jun 11, 2020	Deed of Trust, Mortgage · Line of Credit MICHIGAN STATE HOUSING DEV AUTHORITY
Nov 24, 2020	Deed of Trust, Mortgage · FHA Mortgage FLAGSTAR BANK FSB
Jun 7, 2018	Warranty Deed, Subdivision Related Transfer · FHA Mortgage SUCCESS MORTGAGE CORP
Nov 16, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 19, 2026 · Amount on Record
Deed Sale	May 19, 2026 · Amount on Record
Prior Sale	Feb 26, 2025 · Amount on Record
Deed Document Number	20268231
Deed Book / Page	5139 / 16
Record Updated	Sep 20, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEGAN MI
Recording Date	May 19, 2026
Property Address	1000 ELEY ST, OTSEGO, MI 49078-2500
Document Number	0000008231
Book / Page	5139 / 16
Instrument Date	May 15, 2026
Instrument	20268231
Transaction Type	Transfer
Record Updated	Jun 1, 2026
Title Company	AGSTAR TITLE, STAR TITLE

Transaction

Amount	Amount Recorded
Tax	$304,010.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8061 16TH AVE NW, SEATTLE, WA 98117-3608

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEGAN MI
Recording Date	Dec 6, 2022
Property Address	1000 ELEY ST, OTSEGO, MI 49078-2500
Document Number	004820/922
Book / Page	4820 / 922
Map Reference	LB 15 PG 51
Instrument Date	Dec 1, 2022
Instrument	2022022723
Transaction Type	Transfer
Record Updated	Dec 14, 2022
Title Company	EVONS TITLE, DEVON TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,197.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1000 ELEY ST, OTSEGO, MI 49078-2500

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4173 112TH AVE, ALLEGAN, MI 49010-9349

Mortgage

Document Number	0004820925
Date	Dec 6, 2022
Instrument	4820-925

Lender

Name	NEIGHBORHOOD LOANS
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2053

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGAN MI
Property Address	1000 ELEY ST, OTSEGO, MI 49078-2500
Transaction Type	Mortgage
Record Updated	May 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004471/698
Date	Jun 11, 2020
Book Page	4471/698

Lender

Name	MICHIGAN STATE HOUSING DEV AUTHORITY
Type	Government Agency
Address	LANSING, MI 48912

Agreement

Type	Line of Credit
Amount	Amount Recorded

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGAN MI
Property Address	1000 ELEY ST, OTSEGO, MI 49078-2500
Transaction Type	Mortgage
Record Updated	May 3, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004542/637
Date	Nov 24, 2020
Book Page	4542/637

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	JACKSONVILLE, FL 32202

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2050

June 2018: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEGAN MI
Recording Date	Jun 7, 2018
Property Address	1000 ELEY ST, OTSEGO, MI 49078-2500
Document Number	004252/341
Book / Page	4252 / 341
Map Reference	LB15 PG51
Instrument Date	May 24, 2018
Transaction Type	Subdivision Related Transfer
Record Updated	May 3, 2022
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,029.60
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3537 125TH AVE, 3537, ALLEGAN, MI 49010-9221

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1000 ELEY ST, OTSEGO, MI 49078-2500

Mortgage

Document Number	0004252343
Date	Jun 7, 2018
Instrument	4252/343

Lender

Name	SUCCESS MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2048

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEGAN MI
Recording Date	Nov 16, 2017
Property Address	1000 ELEY ST, OTSEGO, MI 49078-2500
Document Number	4196/783
Book / Page	4196 / 783
Map Reference	LB15 PG51
Instrument Date	Nov 10, 2017
Instrument	4196-783
Transaction Type	Transfer
Record Updated	Aug 3, 2021

Transaction

Amount	Amount Recorded
Tax	$1,161.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	531 S NORTH ST, 531, OTSEGO, MI 49078-1418

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3537 125TH AVE, ALLEGAN, MI 49010-9221

Tax Assessment & Valuation

Source: Allegan County assessment roll, as of June 25, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Allegan County
Municipality	Otsego City
Unified School District	Otsego Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$176,500 (+4.56%) Land $17,500 Building $159,000	$353,000 (+4.56%) Land $35,000 Building $318,000
2025	$6,830.00 (+2.41%) Homeowner's exemption	$168,800 (+18.96%) Land $17,500 Building $151,300	$337,600 (+18.96%) Land $35,000 Building $302,600
2024	$6,669.00 (+31.56%)
2023		$141,900 Land $10,000 Building $131,900	$283,800 Land $20,000 Building $263,800
2022	$5,069.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective June 21, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	7 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 51% of Michigan
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	OTSEGO serves 4,120 people · EPA ID MI0005060
Water Source	Groundwater
Last State Inspection	Apr 2025
Lead	Under 1 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 274 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Surf Internet Fiber	8,000 / 8,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Mercury Fiber Fixed Wireless	150 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: 123.NET.

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