1420 E M 89, Otsego, MI 49078 Property Records

Allegan County property record for 1420 E M 89, Otsego, MI 49078

Property Summary

Property Type	Restaurant
Details	2,928 sqft · built 1976
Lot Size	0.942 acres (41,034 sqft)
Owner	Company Name on Record
Last Sale	$225,000 (Mar 2025)
Tax Bill	$6,597 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Nov 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`17-023-022-01`

Property Details

APN / Parcel Number

Primary APN	`17-023-022-01`
Alternative APN	`03-17-023-022-01`

Interior

Stories	1 Story
Building Area	2,928 sqft Total Area

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Lot Area	41,034 sqft (0.942 acres)
Lot Dimensions	219 ft deep x 187 ft wide
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	1420 E M 89
City	OTSEGO
State	MI
Zip	49078-9301
Property Category	Commercial
Property Type	Commercial > Retail > Restaurant
Legal Description	COM SE COR TH W 825.72? TH N 587.33? TH N 39DEG16?42? E 78.07? TO POB TH CONT N 39DEG16?42? E 234.88? TH SELY 95.26? ON 5762.65? RAD CURVE LT CHORD BEARING S 50DEG57?26? E 95.26? TH S 50DEG20?12? E 75.69? TH S 39DEG16?42? W 230.61? TH N 52DEG06?48? W
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 October 21, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	1420 E M 89, OTSEGO, MI 49078-9301
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Oct 2, 2025	Deed of Trust, Mortgage DONALD C VERBEKE
Nov 8, 2017	Land Contract, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 11, 2025 · Amount on Record
Deed Sale	Mar 11, 2025 · Amount on Record
Deed Document Number	20253232
Deed Book / Page	5016 / 82
Prior Transfer Date	Jan 28, 2025
Prior Transfer Doc	0005016/85
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGAN MI
Property Address	1420 E M 89, OTSEGO, MI 49078-9301
Transaction Type	Mortgage
Record Updated	Oct 16, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1420 E M 89, OTSEGO, MI 49078-9301

Mortgage

Document Number	005073/902
Date	Oct 2, 2025
Book Page	5073/902
Instrument	2025015853

Lender

Name	DONALD C VERBEKE
Type	Private Party
Address	11968 BUCKLEY RD, PLAINWELL, MI 49080

Agreement

Amount	Amount Recorded
Term	24 Months
Due	Oct 1, 2027

November 2017: Land Contract, Transfer

Document Type	Land Contract
Jurisdiction	ALLEGAN MI
Recording Date	Nov 8, 2017
Property Address	1420 E M 89, OTSEGO, MI 49078-9301
Document Number	004194/443
Book / Page	4194 / 443
Instrument Date	Oct 26, 2017
Instrument	4194-443
Transaction Type	Transfer
Record Updated	May 1, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5540 SOOTH 6TH STREET, KALAMAZOO, MI 49009

Tax Assessment & Valuation

Source: Allegan County assessment roll, as of September 9, 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		$141,900 (+16.41%) Land $46,800 Building $95,100	$283,800 (+16.41%) Land $93,600 Building $190,200
2025	$6,597.00 (+9.9%)
2023		$121,900 Land $46,800 Building $75,100	$243,800 Land $93,600 Building $150,200
2022	$6,003.00

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	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

May also be available: 123.NET.

Nearby Properties on E M 89

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures