Allegan County property record for 1092 15th St, Otsego, MI 49078
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 1,136 sqft · built 1996 |
| Lot Size | 2.38 acres (104,021 sqft) |
| Owner | Individual Name on File |
| Last Sale | $145,000 (Sep 2019) |
| Tax Bill | $1,956 (2025) |
| Deeds & Mortgages | Sep 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 17-002-009-20 |
| Primary APN | 17-002-009-20 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,136 sqft Living Area |
| 1st Floor Area | 1,136 sqft |
| Basement Area | 828 sqft |
| Unfinished Basement | 828 sqft |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Architectural Style | Ranch |
| Exterior Material | Wood Siding |
| Lot Area | 104,021 sqft (2.38 acres) |
| Lot Dimensions | 440 ft deep x 236 ft wide |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 1092 15TH ST |
|---|---|
| City | OTSEGO |
| State | MI |
| Zip | 49078-9714 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AG |
| Legal Description | N 331.69' OF E 328.32' NE 1/4 SW 1/4 SEC 2 T1N R12W (93) |
| Legal Range | 12W |
| Legal Township | 01N |
| Legal Section | 02 |
| Jurisdiction | ALLEGAN MI |
| Township / Civil Division | OTSEGO |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 31900 |
1092 15th St is owned and occupied by an individual who bought it in September 2019.
Source: Allegan County records, as of September 9, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1092 15TH ST, OTSEGO, MI 49078-9714 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 4, 2019 · Amount on File |
| Deed Sale | Sep 4, 2019 · Amount on File |
| Deed Book / Page | 4377 / 407 |
| Prior Transfer Date | Jul 28, 2019 |
| Prior Transfer Doc | 004377/407 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ALLEGAN MI |
| Recording Date | Sep 4, 2019 |
| Property Address | 1092 15TH ST, OTSEGO, MI 49078-9714 |
| Document Number | 004377/407 |
| Book / Page | 4377 / 407 |
| Instrument Date | Jul 28, 2019 |
| Transaction Type | Transfer |
| Record Updated | May 3, 2022 |
| Title Company | AMROCK INC, AMROCK |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $159.50 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1092 15TH ST, OTSEGO, MI 49078-9714 |
| Document Number | 0004377409 |
|---|---|
| Date | Sep 4, 2019 |
| Instrument | 4377/409 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Sep 1, 2049 |
The 2025 property tax bill for 1092 15th St was $1,956 with a homeowner's exemption.
Source: Allegan County assessment roll, as of September 9, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Allegan County |
| County Subdivision | Otsego Township |
| Unified School District | Otsego Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $113,800 Land $13,800 Building $100,000 | $227,600 Land $27,600 Building $200,000 | |
| 2025 | $1,956.00 | ||
| 2023 | $84,800 Land $13,200 Building $71,600 | $169,600 Land $26,400 Building $143,200 | |
| 2022 | $1,612.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1092 15th St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2009.
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 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 risk around 1092 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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 13 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
May also be available: Mercury Fiber.
5G (outdoors only) and 4G LTE
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