117 E Hammond St, Otsego, MI 49078 Property Records

Allegan County property record for 117 E Hammond St, Otsego, MI 49078

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,290 sqft
Lot Size	0.218 acres (9,496 sqft)
Owner	2 Individual Names on Record
Last Sale	$85,000 (Jul 2016)
Tax Bill	$2,345 (2025)
Deeds & Mortgages	May 2026 Line of Credit Mar 2021 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`54-115-009-00`

Property Details

APN / Parcel Number

Primary APN	`54-115-009-00`
Alternative APN	`03-54-115-009-00`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	1,290 sqft Living Area
1st Floor Area	1,066 sqft
Basement Area	1,018 sqft
Unfinished Basement	1,018 sqft

Exterior

Exterior Material	Wood
Foundation Type	No Foundation
Lot Area	9,496 sqft (0.218 acres)
Lot Dimensions	82.5 ft deep x 115 ft wide

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	117 E HAMMOND ST
City	OTSEGO
State	MI
Zip	49078-1409
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-B
Legal Description	SLY 82.5 FT OF WLY 66 FT OF ELY 165 FT OF BLOCK 15 & ELY 50 FT OF SLY 82.5 OF WLY 165 FT BLOCK 15 O. P. SEC 22 & 23.
Legal Subdivision	ORIGINAL PLAT CITY OF OTSEGO
Legal Block	15
Jurisdiction	ALLEGAN MI
Township / Civil Division	OTSEGO
Census Block Group	2
Census Block	2011
Census Tract	31900

Owner

Source: Allegan County records, as of September 9, 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	117 E HAMMOND ST, OTSEGO, MI 49078-1409
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 21, 2026	Deed of Trust, Mortgage · Line of Credit HONOR CREDIT UNION
Mar 12, 2021	Deed of Trust, Mortgage · Line of Credit HONOR CU
May 18, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage HONOR CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 1, 2016 · Amount on Record
Deed Sale	Jul 1, 2016 · Amount on Record
Prior Sale	Feb 24, 2015 · Amount on Record
Deed Book / Page	4042 / 774
Last Transfer Date	May 8, 2020
Transfer Doc	004463/183
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGAN MI
Recording Date	May 21, 2026
Property Address	117 E HAMMOND ST, OTSEGO, MI 49078-1409
Document Number	0000008486
Book / Page	5140 / 101
Instrument Date	May 1, 2026
Instrument	20268486
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	117 E HAMMOND ST, OTSEGO, MI 49078-1409
Investor	Possibly a Property Investor

Mortgage

Document Number	0000008486,
Date	May 21, 2026
Book Page	5140/101
Instrument	20268486

Lender

Name	HONOR CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	May 12, 2046

Interest

Rate	6.46%
Max Rate	-1%

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGAN MI
Property Address	117 E HAMMOND ST, OTSEGO, MI 49078-1409
Transaction Type	Mortgage
Record Updated	May 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004589/411
Date	Mar 12, 2021
Book Page	4589/411

Lender

Name	HONOR CU
Type	Credit Union
Address	BERRIEN SPRINGS, MI 49103

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	237 Months
Due	Dec 12, 2040

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ALLEGAN MI
Recording Date	May 18, 2020
Property Address	117 E HAMMOND ST, OTSEGO, MI 49078-1409
Document Number	004463/183
Book / Page	4463 / 183
Instrument Date	May 8, 2020
Transaction Type	Transfer
Record Updated	May 3, 2022

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	117 E HAMMOND ST, OTSEGO, MI 49078-1409

Mortgage

Document Number	0004463186
Date	May 18, 2020
Instrument	4463/186

Lender

Name	HONOR CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2050

Tax Assessment & Valuation

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		$76,500 (+2.27%) Land $15,900 Building $60,600	$153,000 (+2.27%) Land $31,800 Building $121,200
2025	$2,345.00 (+2.31%) Homeowner's exemption	$74,800 (+33.81%) Land $13,400 Building $61,400	$149,600 (+33.81%) Land $26,800 Building $122,800
2024	$2,292.00 (+16.7%)
2023		$55,900 Land $7,500 Building $48,400	$111,800 Land $15,000 Building $96,800
2022	$1,964.00

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 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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