105 E Morrell St, Otsego, MI 49078 Property Records

Allegan County property record for 105 E Morrell St, Otsego, MI 49078

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,250 sqft · built 1954
Lot Size	0.313 acres (13,634 sqft)
Owner	2 Individual Names on Record
Last Sale	$240,000 (Jun 2023)
Tax Bill	$4,839 (2025)
Deeds & Mortgages	Jun 2023 Sale & Mortgage Jan 2019 Sale
Flood Zone	Zone X (minimal risk)
APN	`54-100-093-95`

Property Details

APN / Parcel Number

Primary APN	`54-100-093-95`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,250 sqft Living Area
1st Floor Area	1,250 sqft
Basement Area	1,250 sqft
Unfinished Basement	1,428 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Architectural Style	Ranch
Exterior Material	Wood
Lot Area	13,634 sqft (0.313 acres)
Lot Dimensions	165 ft deep x 82.5 ft wide
Garage Area	768 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	105 E MORRELL ST
City	OTSEGO
State	MI
Zip	49078-1367
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-B
Legal Description	COM AT THE NE COR OF SO. FARMER ST & MORRELL ST TH N PPL WITH S FARMER ST 82.5 FT TH E 165 FT TH S 82.5 FT TH W ON N LIN OF
Legal Range	12W
Legal Township	01N
Legal Section	22
Jurisdiction	ALLEGAN MI
Township / Civil Division	OTSEGO
Census Block Group	2
Census Block	2010
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	2 Individual Names on Record
Mailing Address	105 E MORRELL ST, OTSEGO, MI 49078-1367
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 1, 2023	Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE COMPANY INC
Jan 3, 2019	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 1, 2023 · Amount on Record
Deed Sale	Jun 1, 2023 · Amount on Record
Prior Sale	Jan 3, 2019 · Amount on Record
Deed Document Number	20237925
Deed Book / Page	4860 / 257
Prior Transfer Date	Jul 29, 2014
Prior Transfer Doc	3856/842
Record Updated	Sep 20, 2026

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEGAN MI
Recording Date	Jun 1, 2023
Property Address	105 E MORRELL ST, OTSEGO, MI 49078-1367
Document Number	004860/257
Book / Page	4860 / 257
Instrument Date	May 19, 2023
Instrument	2023007925
Transaction Type	Transfer
Record Updated	Jun 19, 2023
Title Company	TITLE RESOURCE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,800.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	105 E MORRELL ST, OTSEGO, MI 49078-1367

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	215 S SHERWOOD AVE, PLAINWELL, MI 49080-1828

Mortgage

Document Number	2023007927
Date	Jun 1, 2023
Instrument	2023007927

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2053

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEGAN MI
Recording Date	Jan 3, 2019
Property Address	105 E MORRELL ST, OTSEGO, MI 49078-1367
Document Number	4312/626
Book / Page	4312 / 626
Instrument Date	Dec 18, 2018
Transaction Type	Transfer
Record Updated	Aug 3, 2021

Transaction

Amount	Amount Recorded
Tax	$1,154.70
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	105 E MORRELL ST, 105, OTSEGO, MI 49078-1367

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	353 19TH ST, OTSEGO, MI 49078-9649

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		$125,200 (+5.48%) Land $14,000 Building $111,200	$250,400 (+5.48%) Land $28,000 Building $222,400
2025	$4,839.00 (+2.33%) Homeowner's exemption	$118,700 (+28.6%) Land $12,500 Building $106,200	$237,400 (+28.6%) Land $25,000 Building $212,400
2024	$4,729.00 (+55.56%)
2023		$92,300 Land $7,100 Building $85,200	$184,600 Land $14,200 Building $170,400
2022	$3,040.00

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 476 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
T-Mobile Fixed Wireless	100 / 20

May also be available: 123.NET.

Cell Coverage

5G (outdoors only) and 4G LTE

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