1381 E M 89, Otsego, MI 49078 Property Records

Allegan County property record for 1381 E M 89, Otsego, MI 49078

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,236 sqft · built 1958
Lot Size	0.599 acres (26,092 sqft)
Owner	2 Individual Names on Record
Last Sale	$205,000 (Jun 2025)
Tax Bill	$2,552 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Oct 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`17-024-049-00`

Property Details

APN / Parcel Number

Primary APN	`17-024-049-00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,236 sqft Living Area
1st Floor Area	1,236 sqft
Basement Area	1,236 sqft
Unfinished Basement	1,236 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Architectural Style	Ranch
Exterior Material	Wood
Lot Area	26,092 sqft (0.599 acres)
Lot Dimensions	256 ft deep x 102 ft wide
Garage Area	546 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1381 E M 89
City	OTSEGO
State	MI
Zip	49078-9301
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	COMM
Legal Description	E 100 FT OF W 116 FT OF FOL DESC: BEG ON S LIN W 1/2 SW 1/4 SEC 24 AT PT 281.2 FT W OF SE COR TH N 258.7 FT TH N 88 DEG W
Legal Range	12W
Legal Township	01N
Legal Section	24
Jurisdiction	ALLEGAN MI
Township / Civil Division	OTSEGO
Census Block Group	1
Census Block	1029
Census Tract	31900

Owner

Source: Allegan County records, as of June 25, 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	2727 DANUBE LN NE, GRAND RAPIDS, MI 49525-1131
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage LAKE MICHIGAN CU
Oct 16, 2020	Warranty Deed, Transfer TITLE RESOURCE AGENCY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 10, 2025 · Amount on Record
Deed Sale	Jun 10, 2025 · Amount on Record
Prior Sale	Dec 30, 2024 · Amount on Record
Deed Document Number	20259006
Deed Book / Page	5040 / 133
Prior Transfer Date	Dec 26, 2024
Prior Transfer Doc	005001/270
Record Updated	Sep 20, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGAN MI
Property Address	1381 E M 89, OTSEGO, MI 49078-9301
Transaction Type	Mortgage
Record Updated	Jan 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004521/756
Date	Oct 9, 2020
Book Page	4521/756

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union
Address	GRAND RAPIDS, MI 49501

Agreement

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

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEGAN MI
Recording Date	Oct 16, 2020
Property Address	1381 E M 89, OTSEGO, MI 49078-9301
Document Number	4525/169
Book / Page	4525 / 169
Instrument Date	Oct 2, 2020
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	TITLE RESOURCE AGENCY

Transaction

Amount	Amount Recorded
Tax	$1,307.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1381 E M 89, 1381, OTSEGO, MI 49078-9301

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Irrevocable Trust
Address	1381 E M 89, OTSEGO, MI 49078-9301

Tax Assessment & Valuation

Source: Allegan County assessment roll, as of June 25, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Allegan County
County Subdivision	Otsego Township
Unified School District	Otsego Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$98,100 (-0.91%) Land $13,100 Building $85,000	$196,200 (-0.91%) Land $26,200 Building $170,000
2025	$2,552.00 (+2.57%) Homeowner's exemption	$99,000 (+33.6%) Land $13,100 Building $85,900	$198,000 (+33.6%) Land $26,200 Building $171,800
2024	$2,488.00 (+18.48%)
2023		$74,100 Land $11,500 Building $62,600	$148,200 Land $23,000 Building $125,200
2022	$2,100.00

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.

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 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

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 274 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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