1004 Eley St, Otsego, MI 49078 Property Records

Allegan County property record for 1004 Eley St, Otsego, MI 49078 · Last verified July 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bathrooms	2 Baths
Year Built	Built 2017
Square Footage	1,626 sqft Living Area
Lot Size	14,375 sqft (0.33 acres)
Garage	495 sqft
Occupancy	Owner Occupied
Last Sale	$252,000 (2021)
Tax Bill	$6,732.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`54-278-173-00`

Interior

Full Baths	2 Baths
Building Area	1,626 sqft Living Area
1st Floor	1,626 sqft 1st Floor
Basement Area	1,626 sqft Basement
Unfinished Basement	1,626 sqft Unfinished

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Architectural Style	Ranch Style
Lot Area	14,375 sqft (0.33 acres)
Depth X Width	117 ft x 123 ft Depth x Width
Parking Spaces	2 Parking Spaces
Garage Area	495 sqft Garage

Utilities and HVAC

Cooling System	HVAC Cooling
Heating System	Forced Air with Air Conditioning Heating

Location & Zoning

Street Address	1004 ELEY ST
City	OTSEGO
State	MI
Zip	49078-2500
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	LOT 173 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	173
Jurisdiction	ALLEGAN MI
Minor Civil Division	OTSEGO
Census Blockgroup	3
Census Block	3012
Census Tract	31900

Owner

Source: Allegan County records · APN 54-278-173-00

Assessment roll updated June 25, 2026 · Last verified July 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	1004 ELEY ST, OTSEGO, MI 49078-2500
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Date	Document
Jul 06, 2018	Deed of Trust, Mortgage · Conventional Mortgage HONOR CU
Jun 01, 2020	Deed of Trust, Mortgage · Conventional Mortgage AAC CU
Jan 20, 2021	Warranty Deed, Transfer · Conventional Mortgage THE HUNTINGTON NATIONAL BANK
Jul 27, 2018	Affidavit, Transfer
Aug 07, 2017	Warranty Deed, Transfer DEVON TITLE COMPANY, DEVON TITLE AGENCY

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 20, 2021 · Amount on Record
Deed Sale	Jan 20, 2021 · Amount on Record
Prior Sale	Jul 27, 2018 · Amount on Record
Deed Doc Number	20211706
Deed Book / Page	4567 / 300
Record Refreshed	Sep 20, 2026

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGAN MI
Property Address	1004 ELEY ST, OTSEGO, MI 49078-2500
Transaction Type	Mortgage
Record Updated	May 03, 2022
Title Company	DEVON TITLE COMPANY, DEVON TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004260/462
Date	Jul 06, 2018
Book Page	4260/462

Lender

Name	HONOR CU
Type	Credit Union
Address	BERRIEN SPRINGS, MI 49103

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	66 Months
Due	Jan 01, 2024

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGAN MI
Property Address	1004 ELEY ST, OTSEGO, MI 49078-2500
Transaction Type	Mortgage
Record Updated	May 03, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004468/205
Date	Jun 01, 2020
Book Page	4468/205

Lender

Name	AAC CU
Type	Credit Union
Address	GRAND RAPIDS, MI 49504

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 01, 2050

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEGAN MI
Recording Date	Jan 20, 2021
Property Address	1004 ELEY ST, OTSEGO, MI 49078-2500
Document Number	004567/300
Book / Page	4567 / 300
Map Reference	LB 15 PG 51
Instrument Date	Jan 12, 2021
Transaction Type	Transfer
Record Updated	May 03, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,167.20
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1004 ELEY ST, 1004, OTSEGO, MI 49078-2500

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2028 COLGROVE AVE APT 206, 206, KALAMAZOO, MI 49048-1542

Mortgage

Document Number	0004567303
Date	Jan 20, 2021
Instrument	4567/303

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 01, 2051

July 2018: Affidavit, Transfer

Document Type	Affidavit
Jurisdiction	ALLEGAN MI
Recording Date	Jul 27, 2018
Property Address	1004 ELEY ST, OTSEGO, MI 49078-2500
Document Number	4267/190
Book / Page	4267 / 190
Map Reference	LB15 PG51
Instrument Date	Jul 25, 2018
Transaction Type	Transfer
Record Updated	Aug 03, 2021

Transaction

Amount	Amount Recorded
Tax	$1,978.00
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11533 ALLING RD, PLAINWELL, MI 49080-9031

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEGAN MI
Recording Date	Aug 07, 2017
Property Address	1004 ELEY ST, OTSEGO, MI 49078-2500
Document Number	4164/798
Book / Page	4164 / 798
Map Reference	LB15 PG51
Instrument Date	Jul 20, 2017
Transaction Type	Transfer
Record Updated	Aug 03, 2021
Title Company	DEVON TITLE COMPANY, DEVON TITLE AGENCY

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	117 E ORLEANS ST, 117, OTSEGO, MI 49078-1124

Transferred To (Grantee/Buyer)

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

Tax Assessment & Valuation

Source: Allegan County records · Assessment roll updated June 25, 2026 · Last verified July 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

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$177,900 (+24.67%) Land $17,500 Building $160,400	$355,800 (+24.67%) Land $35,000 Building $320,800
2025	$6,732.00 (+19.68%)
2023		$142,700 Land $10,000 Building $132,700	$285,400 Land $20,000 Building $265,400
2022	$5,625.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Allegan County (26005C), updated June 21, 2023 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

1004 Eley St, Otsego, MI 49078 Property Records

Property Highlights

Property Details

APN / Parcel Number

Interior

Exterior

Utilities and HVAC

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

July 2018: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

June 2020: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

January 2021: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

July 2018: Affidavit, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

August 2017: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood & Wildfire

Flood

Wildfire

Nearby Properties on Eley St

Nearby Streets

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