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1106 20th St, Otsego, MI 49078 Property Records

Allegan County property record for 1106 20th St, Otsego, MI 49078

Property Summary

Property TypeSingle Family Home
Details3 bd · 1.5 ba · 1,396 sqft · built 1860
Lot Size2.53 acres (110,250 sqft)
Owner2 Individual Names on File
Last Sale$135,000 (Jul 2014)
Tax Bill$2,495 (2025)
Deeds & MortgagesNov 2021 Mortgage
Nov 2021 Transfer
+ 1 more
Flood ZoneZone X (minimal risk)
APN17-005-004-00

Property Details

APN / Parcel Number

Primary APN17-005-004-00
Alternative APN
  • 03-17-005-004-00

Interior

Bedrooms3 Beds
Full Baths1.5 Baths
Half Baths1 Half Bath
Stories1 Story
Building Area1,396 sqft Living Area
1st Floor Area1,188 sqft
Basement Area484 sqft
Unfinished Basement484 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1860
Effective Year BuiltEffective 1860
Exterior MaterialWood
Foundation TypeNo Foundation
Lot Area110,250 sqft (2.53 acres)
Lot Dimensions334 ft deep x 330 ft wide
Total Buildings3 Buildings

Utilities, Heating & Cooling

Heating SystemForced Air with A/C

Location & Zoning

Street Address1106 20TH ST
CityOTSEGO
StateMI
Zip49078-9741
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeAG
Legal DescriptionCOM E 1/4 PST TH N 153' TO POB TH W 330' TH N 330' TH E 330' TH S 330' TO POB SEC 5 T1N R12W (2015).
Legal Range12W
Legal Township01N
Legal Section05
JurisdictionALLEGAN MI
Township / Civil DivisionOTSEGO
Census Block Group1
Census Block1004
Census Tract31800

Owner

Source: Allegan County records, as of September 9, 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 Record2 Individual Names on File
Mailing Address1106 20TH ST, OTSEGO, MI 49078-9741
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Nov 5, 2021Deed of Trust, Mortgage · Conventional Mortgage
LAKE MICHIGAN CU
Nov 5, 2021Intrafamily Transfer, Transfer
TITLE RESOURCE AGENCY
Sep 4, 2018Deed of Trust, Mortgage · Conventional Mortgage
LAKE MICHIGAN CU

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJul 3, 2014 · Amount on File
Deed SaleJul 3, 2014 · Amount on File
Prior SaleNov 6, 2012 · Amount on File
Deed Book / Page3847 / 921
Last Transfer DateNov 5, 2021
Transfer Doc004693/984
Record UpdatedOct 29, 2026

November 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionALLEGAN MI
Property Address1106 20TH ST, OTSEGO, MI 49078-9741
Transaction TypeMortgage
Record UpdatedJun 14, 2023
Title CompanyLIGHTHOUSE TITLE INC

Transferred To (Grantee/Buyer)

NameVerified Name
Address1106 20TH ST, OTSEGO, MI 49078-9741

Mortgage

Document Number00004694/1
DateNov 5, 2021
Book Page4694/1
Lender
NameLAKE MICHIGAN CU
TypeCredit Union
AddressGRAND RAPIDS, MI 49501
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueNov 1, 2051

November 2021: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionALLEGAN MI
Recording DateNov 5, 2021
Property Address1106 20TH ST, OTSEGO, MI 49078-9741
Document Number4693/984
Book / Page4693 / 984
Instrument DateNov 5, 2021
Transaction TypeTransfer
Record UpdatedNov 17, 2021
Title CompanyTITLE RESOURCE AGENCY

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address1106 20TH ST, OTSEGO, MI 49078-9741

September 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionALLEGAN MI
Property Address1106 20TH ST, OTSEGO, MI 49078-9741
Transaction TypeMortgage
Record UpdatedFeb 5, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number4278/018
DateSep 4, 2018
Book Page4278/018
Lender
NameLAKE MICHIGAN CU
TypeCredit Union
AddressGRAND RAPIDS, MI 49501
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term120 Months
DueSep 1, 2028

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateMichigan
CountyAllegan County
County SubdivisionOtsego Township
Unified School DistrictAllegan Public Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$140,200 (+6.37%) Land $14,100 Building $126,100$280,400 (+6.37%) Land $28,200 Building $252,200
2025$2,495.00 (+2.55%) Homeowner's exemption$131,800 (+28.09%) Land $14,100 Building $117,700$263,600 (+28.09%) Land $28,200 Building $235,400
2024$2,433.00 (+18.45%)
2023$102,900 Land $13,500 Building $89,400$205,800 Land $27,000 Building $178,800
2022$2,054.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective June 21, 2023

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot 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 RiskLow
lower than 80% of the US · above 51% of Michigan
Wildfire Likelihood0.01% annual chance
ExposureDirect
burnable vegetation

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 7 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
123.NET
Fiber		6,000 / 6,000
Verizon
Fixed Wireless		300 / 20
Mercury Fiber
Fixed Wireless		150 / 20

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