1011 Comstock Ct, Otsego, MI 49078 Property Records

Allegan County property record for 1011 Comstock Ct, Otsego, MI 49078

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,438 sqft · built 2003
Lot Size	0.333 acres (14,505 sqft)
Owner	Individual Name on File
Last Sale	$234,567 (Mar 2020)
Tax Bill	$6,433 (2025)
Deeds & Mortgages	Mar 2019 Line of Credit Mar 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`54-278-165-00`

Property Details

APN / Parcel Number

Primary APN	`54-278-165-00`
Alternative APN	`03-54-278-165-00`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,438 sqft Living Area
1st Floor Area	1,428 sqft
Basement Area	1,428 sqft
Unfinished Basement	1,428 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Ranch
Exterior Material	Wood Siding
Lot Area	14,505 sqft (0.333 acres)
Lot Dimensions	117 ft deep x 123 ft wide
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1011 COMSTOCK CT
City	OTSEGO
State	MI
Zip	49078-1265
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-A
Legal Description	LOT 165 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	165
Jurisdiction	ALLEGAN MI
Township / Civil Division	OTSEGO
Census Block Group	3
Census Block	3012
Census Tract	31900

Owner

1011 Comstock Ct is owned and occupied by an individual who bought it in March 2020.

Source: Allegan County records, as of September 9, 2026

Owner of Record	Individual Name on File
Mailing Address	1011 COMSTOCK CT, OTSEGO, MI 49078-1265
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Mar 28, 2019	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK WESTERN MICHIGAN
Mar 9, 2020	Warranty Deed, Transfer · FHA Mortgage AMERIFIRST FINANCIAL CORP
Mar 9, 2020	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 9, 2020 · Amount on File
Deed Sale	Mar 9, 2020 · Amount on File
Prior Sale	Oct 17, 2016 · Amount on File
Deed Book / Page	4438 / 37
Prior Transfer Date	Jan 31, 2017
Prior Transfer Doc	4438/36
Record Updated	Oct 29, 2026

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGAN MI
Property Address	1011 COMSTOCK CT, OTSEGO, MI 49078-1265
Transaction Type	Mortgage
Record Updated	May 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004330/418
Date	Mar 28, 2019
Book Page	4330/418

Lender

Name	FIFTH THIRD BANK WESTERN MICHIGAN
Type	Bank
Address	GRAND RAPIDS, MI 49546

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEGAN MI
Recording Date	Mar 9, 2020
Property Address	1011 COMSTOCK CT, OTSEGO, MI 49078-1265
Document Number	0004438/37
Book / Page	4438 / 37
Map Reference	LB 15 PG 51-53
Instrument Date	Feb 28, 2020
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,021.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	88 MADDOUGALL, 88, GOBLES, MI 49055

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1011 COMSTOCK CT, OTSEGO, MI 49078-1265

Mortgage

Document Number	0000443840
Date	Mar 9, 2020
Instrument	4438/40

Lender

Name	AMERIFIRST FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2050

March 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ALLEGAN MI
Recording Date	Mar 9, 2020
Property Address	1011 COMSTOCK CT, OTSEGO, MI 49078-1265
Document Number	4438/36
Book / Page	4438 / 36
Map Reference	LB 15 PG 51-53
Instrument Date	Jan 31, 2017
Transaction Type	Transfer
Record Updated	Aug 3, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1011 COMSTOCK CT, OTSEGO, MI 49078-1265

Tax Assessment & Valuation

The 2025 property tax bill for 1011 Comstock Ct was $6,433 with a homeowner's exemption, up 2.4% from the year before.

Source: Allegan County assessment roll, as of September 9, 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		$172,000 (+3.68%) Land $17,500 Building $154,500	$344,000 (+3.68%) Land $35,000 Building $309,000
2025	$6,433.00 (+2.4%) Homeowner's exemption	$165,900 Land $17,500 Building $148,400	$331,800 Land $35,000 Building $296,800
2024	$6,282.00
2023		$140,200 Land $10,000 Building $130,200	$280,400 Land $20,000 Building $260,400
2022	$5,376.00

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

Flood

FEMA maps place 1011 Comstock Ct in Zone X, an area of minimal flood risk.

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

Wildfire risk around 1011 Comstock Ct is low, with a 0.01% annual chance of 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 128 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Surf Internet Fiber	8,000 / 8,000
Spectrum Cable	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: AT&T.

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