1698 Oak St, Otsego, MI 49078 Property Records

Allegan County property record for 1698 Oak St, Otsego, MI 49078

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,544 sqft · built 1975
Lot Size	0.562 acres (24,481 sqft)
Owner	2 Individual Names on File
Last Sale	$265,000 (Dec 2021)
Tax Bill	$5,167 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Dec 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`17-581-013-00`

Property Details

APN / Parcel Number

Primary APN	`17-581-013-00`
Alternative APN	`03-17-581-013-00`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,544 sqft Living Area
1st Floor Area	1,340 sqft
Basement Area	702 sqft
Unfinished Basement	702 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Architectural Style	Ranch
Exterior Material	Wood Siding
Lot Area	24,481 sqft (0.562 acres)
Lot Dimensions	175 ft deep x 140 ft wide
Garage Area	606 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	1698 OAK ST
City	OTSEGO
State	MI
Zip	49078-9318
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	W 1/2 OF LOT 44 SOUTH GATE DEVELOPMENT NO. 1 SEC 27 T1N R12W.
Legal Range	12W
Legal Township	01N
Legal Section	27
Legal Subdivision	SOUTH GATE DEV
Legal Lot Number	44
Jurisdiction	ALLEGAN MI
Township / Civil Division	OTSEGO
Census Block Group	3
Census Block	3021
Census Tract	31800

Owner

1698 Oak St is owned and occupied by two individuals who bought it in December 2021.

Source: Allegan County records, as of September 9, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1698 OAK ST, OTSEGO, MI 49078-9318
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage NEIGHBORHOOD LOANS
Dec 16, 2021	Warranty Deed, Transfer · Conventional Mortgage FIFTH THIRD BANK NA
Apr 14, 2021	Warranty Deed, Transfer TITLE RESOURCE AGENCY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 16, 2021 · Amount on File
Deed Sale	Dec 16, 2021 · Amount on File
Prior Sale	Apr 14, 2021 · Amount on File
Deed Book / Page	4709 / 456
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGAN MI
Property Address	1698 OAK ST, OTSEGO, MI 49078-9318
Transaction Type	Mortgage
Record Updated	Jan 19, 2023
Title Company	TRANSNATION TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004600/849
Date	Apr 5, 2021
Book Page	4600/849

Lender

Name	NEIGHBORHOOD LOANS
Type	Mortgage Company
Address	DOWNERS GROVE, IL 60515

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2051

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEGAN MI
Recording Date	Dec 16, 2021
Property Address	1698 OAK ST, OTSEGO, MI 49078-9318
Document Number	004709/456
Book / Page	4709 / 456
Map Reference	LB 10 PG 16
Instrument Date	Dec 16, 2021
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	TITLE RESOURCE AGENCY, DBA TITLE RESOURCE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,279.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1698 OAK ST, 1698, OTSEGO, MI 49078-9318

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1698 OAK ST, OTSEGO, MI 49078-9318

Mortgage

Document Number	0004709458
Date	Dec 16, 2021
Instrument	4709/458

Lender

Name	FIFTH THIRD BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEGAN MI
Recording Date	Apr 14, 2021
Property Address	1698 OAK ST, OTSEGO, MI 49078-9318
Document Number	4605/489
Book / Page	4605 / 489
Map Reference	LB 10 PG 16
Instrument Date	Mar 31, 2021
Transaction Type	Transfer
Record Updated	Aug 3, 2021
Title Company	TITLE RESOURCE AGENCY

Transaction

Amount	Amount on Record
Tax	$1,032.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1698 OAK ST, 1698, OTSEGO, MI 49078-9318

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	820 MONROE AVE NW APT 417, 417, GRAND RAPIDS, MI 49503-1441

Tax Assessment & Valuation

The 2025 property tax bill for 1698 Oak St was $5,167.

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		$108,600 Land $14,000 Building $94,600	$217,200 Land $28,000 Building $189,200
2025	$5,167.00
2023		$83,300 Land $14,000 Building $69,300	$166,600 Land $28,000 Building $138,600
2022	$3,948.00

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

FEMA maps place 1698 Oak St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2018.

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
Nearby Flood Claims	1 (2018)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2018 · other causes

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

Wildfire risk around 1698 Oak St 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.

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 31 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20

May also be available: 123.NET, T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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