1178 108th Ave, Otsego, MI 49078 Property Records

Allegan County property record for 1178 108th Ave, Otsego, MI 49078

Property Summary

Property Type	Manufactured or Modular Home
Details	3 bd · 1.5 ba · 2,640 sqft · built 2000
Lot Size	7.28 acres (317,378 sqft)
Owner	2 Individual Names on File
Tax Bill	$4,104 (2025)
Deeds & Mortgages	Aug 2018 Mortgage Dec 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`08-018-011-61`

Property Details

APN / Parcel Number

Primary APN	`08-018-011-61`
Alternative APNs	`03-08-018-011-61` `08-018-011-56`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	2,640 sqft Living Area
1st Floor Area	1,320 sqft
Basement Area	1,320 sqft
Unfinished Basement	1,320 sqft

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Modular
Exterior Material	Aluminum/Vinyl
Lot Area	317,378 sqft (7.28 acres)
Garage Area	764 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	1178 108TH AVE
City	OTSEGO
State	MI
Zip	49078-8701
Property Category	Residential
Property Type	Residential > Prefabricated > Manufactured or Modular Home
Local Zoning Code	AG
Legal Description	COM NW 1/4 COR TH E 200' TO POB; TH CONT E 150'; TH S 200'; TH E 149.83'; TH N 200'; TH E 207.27'; TH S 550'; TH W 704.46'; TH N 350'; TH E 200'; TH N 200' TO POB SEC 18 T1N R11W TAX MAP: 7.32 AC (2022) SPLIT/COMBINED ON 02/17/2022 FROM 08-018-011-56
Legal Range	11W
Legal Township	01N
Legal Section	18
Jurisdiction	ALLEGAN MI
Township / Civil Division	GUN PLAIN
Census Block Group	2
Census Block	2018
Census Tract	32000

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 Record	2 Individual Names on File
Mailing Address	1178 108TH AVE, OTSEGO, MI 49078-8701
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 8, 2018	Deed of Trust, Mortgage · VA Mortgage THE HUNTINGTON NATIONAL BANK
Dec 7, 2020	Deed of Trust, Mortgage · VA Mortgage AMERICAN FINANCIAL NETWORK INC
Aug 29, 2019	Deed of Trust, Mortgage · VA Mortgage HEARTLAND HOME MORTGAGE
Oct 6, 2020	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGAN MI
Property Address	1178 108TH AVE, OTSEGO, MI 49078-8701
Transaction Type	Mortgage
Record Updated	Mar 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004270/494
Date	Aug 8, 2018
Book Page	4270/494

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43219

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2048

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGAN MI
Property Address	1178 108TH AVE, OTSEGO, MI 49078-8701
Transaction Type	Mortgage
Record Updated	Mar 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	004547/921
Date	Dec 7, 2020
Book Page	4547/921

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company
Address	BREA, CA 92821

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2050

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGAN MI
Property Address	1178 108TH AVE, OTSEGO, MI 49078-8701
Transaction Type	Mortgage
Record Updated	Mar 7, 2023
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	004376/016
Date	Aug 29, 2019
Book Page	4376/016

Lender

Name	HEARTLAND HOME MORTGAGE
Type	Mortgage Company
Address	GRAND RAPIDS, MI 49508

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2049

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEGAN MI
Recording Date	Oct 6, 2020
Property Address	1178 108TH AVE, OTSEGO, MI 49078-8701
Document Number	004520/189
Book / Page	4520 / 189
Instrument Date	Sep 11, 2020
Transaction Type	Transfer
Record Updated	Mar 7, 2023

Transaction

Amount	Amount on Record
Tax	$258.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10188 W H AVE, KALAMAZOO, MI 49009-8506

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1178 108TH AVE, OTSEGO, MI 49078-8701
Investor	Possibly a Property Investor

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Michigan
County	Allegan County
County Subdivision	Gun Plain Township
Unified School District	Plainwell Community Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$178,200 (+13.07%) Land $56,000 Building $122,200	$356,400 (+13.07%) Land $112,000 Building $244,400
2025	$4,104.00 (+12.59%)
2023		$157,600 Land $32,500 Building $125,100	$315,200 Land $65,000 Building $250,200
2022	$3,645.00

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 · 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 Policies	2 in force

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

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 64 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Mercury Fiber Fixed Wireless	150 / 20

May also be available: 123.NET.

Cell Coverage

5G (outdoors only) and 4G LTE

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