1015 15th St, Otsego, MI 49078 Property Records

Allegan County property record for 1015 15th St, Otsego, MI 49078

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,077 sqft · built 2023
Lot Size	3.01 acres (131,116 sqft)
Owner	2 Individual Names on File
Last Sale	$294,000 (Jun 2023)
Tax Bill	$4,217 (2025)
Deeds & Mortgages	Mar 2023 Line of Credit Jun 2023 Sale & Mortgage + 1 more
Flood Zone	Zone A (high risk)
APN	`17-002-015-19`

Property Details

APN / Parcel Number

Primary APN	`17-002-015-19`
Alternative APN	`03-17-002-015-19`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Building Area	1,077 sqft Living Area
1st Floor Area	1,077 sqft
Basement Area	1,077 sqft
Unfinished Basement	1,077 sqft

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Architectural Style	Bi-Level
Lot Area	131,116 sqft (3.01 acres)
Lot Dimensions	841 ft deep x 458 ft wide
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1015 15TH ST
City	OTSEGO
State	MI
Zip	49078-9712
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM S 1/4 COR TH N 00DEG 04'16 W 181' TO POB; TH CONT N 00DEG 04'16 W 330'; TH N 89DEG 57'17 E 150'; TH N 44DEG 56'30 E 113.11'; TH N 70DEG 36'46 E 160'; TH N 89DEG 57'17 E 75'; TH S 00DEG 04'16 E 263'; TH S 89DEG 57'17 W 151'; TH S 46DEG 20'35 W 145
Legal Range	12W
Legal Township	01N
Legal Section	02
Jurisdiction	ALLEGAN MI
Township / Civil Division	OTSEGO
Census Block Group	1
Census Block	1008
Census Tract	31900

Owner

1015 15th St is owned and occupied by two individuals who bought it in June 2023.

Source: Allegan County records, as of October 20, 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	1015 15TH ST, OTSEGO, MI 49078-9712
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 17, 2023	Deed of Trust, Mortgage · Line of Credit TRISTAR EXCAVATING & CONSTRUCTION INC
Jun 21, 2023	Warranty Deed, Subdivision Related Transfer · FHA Mortgage NEIGHBORHOOD LOANS
Jun 21, 2023	Warranty Deed, Transfer · Line of Credit MARK VER BURG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 21, 2023 · Amount on File
Deed Sale	Jun 21, 2023 · Amount on File
Deed Document Number	20239004
Deed Book / Page	4865 / 756
Record Updated	Oct 29, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGAN MI
Property Address	1015 15TH ST, OTSEGO, MI 49078-9712
Transaction Type	Mortgage
Record Updated	Aug 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004842/316
Date	Mar 17, 2023
Book Page	4842/316
Instrument	2023003397

Lender

Name	TRISTAR EXCAVATING & CONSTRUCTION INC
Type	Non-Lending Institution
Address	DORR, MI 49323

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	12 Months
Due	Mar 15, 2024

June 2023: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEGAN MI
Recording Date	Jun 21, 2023
Property Address	1015 15TH ST, OTSEGO, MI 49078-9712
Document Number	004865/756
Book / Page	4865 / 756
Instrument Date	Jun 16, 2023
Instrument	2023009004
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 11, 2023
Title Company	NOT AVAILABLE, DENALI T&E RIDGESTONE AGCY L

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,205.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1836 68TH ST SW, BYRON CENTER, MI 49315-7923

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1015 15TH ST, OTSEGO, MI 49078-9712
Investor	Possibly a Property Investor

Mortgage

Document Number	2023009005
Date	Jun 21, 2023
Instrument	2023009005

Lender

Name	NEIGHBORHOOD LOANS
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2053

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEGAN MI
Recording Date	Jun 21, 2023
Property Address	1015 15TH ST, OTSEGO, MI 49078-9712
Document Number	004865/753
Book / Page	4865 / 753
Instrument Date	Jun 16, 2023
Instrument	2023009003
Transaction Type	Transfer
Record Updated	Aug 11, 2023
Title Company	ENLINE TITLE AND ESCROW, DENALI TITLE & ESCROW

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8375 RIDGESTONE DR SW, BYRON CENTER, MI 49315-6956

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1836 68TH ST SW, BYRON CENTER, MI 49315-7923

Mortgage

Document Number	2023008940
Date	Jun 21, 2023
Instrument	2023008940

Lender

Name	MARK VER BURG
Type	Private Party

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	12 Months
Due	Jun 19, 2024

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 1015 15th St was $4,217 with a homeowner's exemption, down 16.5% from the year before.

Source: Allegan County assessment roll, as of September 9, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$137,500 (-) Land $15,800 Building $121,700	$275,000 (-) Land $31,600 Building $243,400
2025	$4,217.00 (-16.46%) Homeowner's exemption	$137,500 Land $15,800 Building $121,700	$275,000 Land $31,600 Building $243,400
2024	$5,048.00

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

FEMA maps place 1015 15th St in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.

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

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Nearby Flood Claims	1 (2009)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jan 2009 · river or lake flooding

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 1015 15th St 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Internet Providers

Source: FCC Broadband Data Collection, based on 20 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
123.NET Fiber	6,000 / 6,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
Mercury Fiber Fixed Wireless	150 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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