Allegan County property record for 1297 Timber Oaks Ct, Plainwell, MI 49080
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,226 sqft · built 1976 |
| Lot Size | 0.505 acres (21,998 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $240,000 (Sep 2026) |
| Tax Bill | $2,625 (2025) |
| Deeds & Mortgages | Sep 2026 Sale & Mortgage Aug 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 17-201-022-00 |
| Primary APN | 17-201-022-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,226 sqft Living Area |
| 1st Floor Area | 1,226 sqft |
| Basement Area | 1,146 sqft |
| Unfinished Basement | 1,146 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 1976 |
| Architectural Style | Ranch |
| Exterior Material | Wood Siding |
| Foundation Type | Raised |
| Lot Area | 21,998 sqft (0.505 acres) |
| Lot Dimensions | 200 ft deep x 110 ft wide |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 1297 TIMBER OAKS CT |
|---|---|
| City | PLAINWELL |
| State | MI |
| Zip | 49080-1917 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-2 |
| Legal Description | LOT 22 CROSS OAKS WEST #2 SEC 25 T1N R12W. |
| Legal Range | 12W |
| Legal Township | 01N |
| Legal Section | 25 |
| Legal Subdivision | CROSS OAKS WEST |
| Legal Lot Number | 22 |
| Jurisdiction | ALLEGAN MI |
| Township / Civil Division | OTSEGO |
| Census Block Group | 4 |
| Census Block | 4003 |
| Census Tract | 31900 |
1297 Timber Oaks Ct is owned and occupied by two individuals who bought it in September 2026.
Source: Allegan County records, as of October 9, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 408 W ORLEANS ST, OTSEGO, MI 49078-1077 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 25, 2026 | Warranty Deed, Transfer · Conventional Mortgage HONOR CREDIT UNION |
| Aug 11, 2021 | Deed of Trust, Mortgage · FHA Mortgage FLAGSTAR BANK FSB |
| Oct 18, 2017 | Deed of Trust, Mortgage · FHA Mortgage FLAGSTAR BANK FSB |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 25, 2026 · Amount on File |
| Deed Sale | Sep 25, 2026 · Amount on File |
| Prior Sale | Nov 1, 1989 |
| Deed Document Number | 202616361 |
| Deed Book / Page | 5178 / 835 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ALLEGAN MI |
| Recording Date | Sep 25, 2026 |
| Property Address | 1297 TIMBER OAKS CT, PLAINWELL, MI 49080-1917 |
| Document Number | 0000016361 |
| Book / Page | 5178 / 835 |
| Instrument Date | Sep 18, 2026 |
| Instrument | 202616361 |
| Transaction Type | Transfer |
| Record Updated | Oct 9, 2026 |
| Title Company | DEVON TITLE COMPANY, DEVON TITLE AGENCY |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $208,464.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 408 W ORLEANS ST, OTSEGO, MI 49078-1077 |
| Document Number | 0000016362, |
|---|---|
| Date | Sep 25, 2026 |
| Instrument | 202616362 |
| Name | HONOR CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Number | 0000016363, |
|---|---|
| Date | Sep 25, 2026 |
| Book Page | 5178/857 |
| Instrument | 202616363 |
| Name | MICHIGAN STATE HSNG DEV AUTH |
|---|
| Amount | Amount on Record |
|---|
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALLEGAN MI |
| Property Address | 1297 TIMBER OAKS CT, PLAINWELL, MI 49080-1917 |
| Transaction Type | Mortgage |
| Record Updated | Aug 24, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 1297 TIMBER OAKS CT, PLAINWELL, MI 49080-1917 |
| Document Number | 4657/265 |
|---|---|
| Date | Aug 11, 2021 |
| Book Page | 4657/265 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | JACKSONVILLE, FL 32202 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 315 Months |
| Due | Nov 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALLEGAN MI |
| Property Address | 1297 TIMBER OAKS CT, PLAINWELL, MI 49080-1917 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 4186/948 |
|---|---|
| Date | Oct 18, 2017 |
| Book Page | 4186/948 |
| Instrument | 4186-948 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2047 |
The 2025 property tax bill for 1297 Timber Oaks Ct was $2,625 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 | Plainwell Community Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $124,500 Land $16,500 Building $108,000 | $249,000 Land $33,000 Building $216,000 | |
| 2025 | $2,625.00 | ||
| 2023 | $106,500 Land $11,000 Building $95,500 | $213,000 Land $22,000 Building $191,000 | |
| 2022 | $2,164.00 |
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.
FEMA maps place 1297 Timber Oaks Ct in Zone X, an area of minimal flood risk.
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 | 1 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 risk around 1297 Timber Oaks Ct 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: EPA Safe Drinking Water Information System, as of September 2026
| Water System | OTSEGO TOWNSHIP serves 1,133 people · EPA ID MI0005065 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Apr 2025 |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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.
Source: FCC Broadband Data Collection, based on 140 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 |
| Mercury Fiber Fixed Wireless | 150 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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