1414 E M 89, Otsego, MI 49078 Property Records

Allegan County property record for 1414 E M 89, Otsego, MI 49078

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,216 sqft · built 1955
Lot Size	0.64 acres (27,878 sqft)
Owner	Individual Name on Record
Last Sale	$185,713 (Jun 2025)
Tax Bill	$2,272 (2025)
Deeds & Mortgages	Jun 2025 Sale & Mortgage Oct 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`17-023-021-02`

Property Details

APN / Parcel Number

Primary APN	`17-023-021-02`

Interior

Full Baths	1 Bath
Building Area	1,216 sqft Living Area
1st Floor Area	1,216 sqft

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Ranch
Lot Area	27,878 sqft (0.64 acres)
Lot Dimensions	856 ft deep x 117 ft wide
Garage Area	384 sqft
Parking Spaces	1 Parking Space
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	1414 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	COM SE COR TH N 89DEG 43' 13 W 825.72' TH N 00DEG 01' 47 W 353.67' TH N 89DEG 16' 38 E 219' TH N 37DEG 55' 38 E 195.71' TO
Legal Range	12W
Legal Township	01N
Legal Section	23
Jurisdiction	ALLEGAN MI
Township / Civil Division	OTSEGO
Census Block Group	3
Census Block	3003
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	Individual Name on Record
Mailing Address	320 MAJESTIC ST SE, GRAND RAPIDS, MI 49548-5942
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 20, 2025	Warranty Deed, Transfer · Conventional Mortgage FIRST SECURITIES FINANCIAL SERVICES
Oct 23, 2020	Quit Claim Deed, Transfer · Line of Credit THE STATE BANK
Oct 23, 2020	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 20, 2025 · Amount on Record
Deed Sale	Jun 20, 2025 · Amount on Record
Deed Document Number	20259620
Deed Book / Page	5043 / 359
Record Updated	Sep 20, 2026

June 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEGAN MI
Recording Date	Jun 20, 2025
Property Address	1414 E M 89, OTSEGO, MI 49078-9301
Document Number	005043/359
Book / Page	5043 / 359
Instrument Date	May 28, 2025
Instrument	2025009620
Transaction Type	Transfer
Record Updated	Jun 25, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,599.60
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4112 CANTERBURY AVE, KALAMAZOO, MI 49006-2738

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 MAJESTIC ST SE, KENTWOOD, MI 49548-5942

Mortgage

Document Number	0005041658
Date	Jun 20, 2025
Instrument	5041/658

Lender

Name	FIRST SECURITIES FINANCIAL SERVICES
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2055

October 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ALLEGAN MI
Recording Date	Oct 23, 2020
Property Address	1414 E M 89, OTSEGO, MI 49078-9301
Document Number	004527/882
Book / Page	4527 / 882
Instrument Date	Oct 14, 2020
Transaction Type	Transfer
Record Updated	Jun 13, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4112 CANTERBURY AVE, 4112, KALAMAZOO, MI 49006-2738

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4112 CANTERBURY AVE, KALAMAZOO, MI 49006-2738

Mortgage

Document Number	0004527884
Date	Oct 23, 2020
Instrument	4527/884

Lender

Name	THE STATE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEGAN MI
Recording Date	Oct 23, 2020
Property Address	1414 E M 89, OTSEGO, MI 49078-9301
Document Number	004527/874
Book / Page	4527 / 874
Instrument Date	Oct 14, 2020
Transaction Type	Transfer
Record Updated	Jun 13, 2022

Transaction

Amount	Amount Recorded
Tax	$1,634.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5963 STONEY BROOK RD, 5963, KALAMAZOO, MI 49009-7725

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4112 CANTERBURY AVE, KALAMAZOO, MI 49006-2738

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		$94,000 (+32.96%) Land $6,100 Building $87,900	$188,000 (+32.96%) Land $12,200 Building $175,800
2025	$2,272.00 (+20.28%)
2023		$70,700 Land $5,900 Building $64,800	$141,400 Land $11,800 Building $129,600
2022	$1,889.00

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 Policies	7 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	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 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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