1875 Ames St, Otsego, MI 49078 Property Records

Allegan County property record for 1875 Ames St, Otsego, MI 49078

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,120 sqft · built 1978
Lot Size	0.52 acres (22,651 sqft)
Owner	2 Individual Names on File
Last Sale	$120,000 (Jul 2017)
Tax Bill	$2,559 (2025)
Deeds & Mortgages	Feb 2022 Line of Credit Dec 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`17-540-016-00`

Property Details

APN / Parcel Number

Primary APN	`17-540-016-00`
Alternative APN	`03-17-540-016-00`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,120 sqft Living Area
1st Floor Area	1,120 sqft
Basement Area	1,120 sqft
Unfinished Basement	1,120 sqft

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Ranch
Exterior Material	Wood Siding
Lot Area	22,651 sqft (0.52 acres)
Lot Dimensions	188 ft deep x 120 ft wide
Garage Area	608 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1875 AMES ST
City	OTSEGO
State	MI
Zip	49078-9603
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	LOT 16 ROYELLEN PLAT SEC 21 T1N R12W.
Legal Range	12W
Legal Township	01N
Legal Section	21
Legal Subdivision	ROYELLEN
Legal Lot Number	16
Jurisdiction	ALLEGAN MI
Township / Civil Division	OTSEGO
Census Block Group	3
Census Block	3017
Census Tract	31800

Owner

1875 Ames St is owned and occupied by two individuals who bought it in July 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	1875 AMES ST, OTSEGO, MI 49078-9603
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
Feb 3, 2022	Deed of Trust, Mortgage · Line of Credit ARBOR FINANCIAL CU
Dec 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage HONOR CU
Jul 13, 2017	Warranty Deed, Transfer · Conventional Mortgage HONOR CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 13, 2017 · Amount on File
Deed Sale	Jul 13, 2017 · Amount on File
Prior Sale	Aug 8, 2016 · Amount on File
Deed Book / Page	4157 / 978
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGAN MI
Property Address	1875 AMES ST, OTSEGO, MI 49078-9603
Transaction Type	Mortgage
Record Updated	Feb 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004726/956
Date	Feb 3, 2022
Book Page	4726/956
Instrument	2022002526

Lender

Name	ARBOR FINANCIAL CU
Type	Credit Union
Address	KALAMAZOO, MI 49009

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGAN MI
Property Address	1875 AMES ST, OTSEGO, MI 49078-9603
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	4558/494
Date	Dec 30, 2020
Book Page	4558/494

Lender

Name	HONOR CU
Type	Credit Union
Address	BERRIEN SPRINGS, MI 49103

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEGAN MI
Recording Date	Jul 13, 2017
Property Address	1875 AMES ST, OTSEGO, MI 49078-9603
Document Number	4157/978
Book / Page	4157 / 978
Map Reference	LB7 PG75
Instrument Date	Jul 7, 2017
Transaction Type	Transfer
Record Updated	Aug 3, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,032.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1875 AMES ST, 1875, OTSEGO, MI 49078-9603

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	502 W FRANKLIN ST, OTSEGO, MI 49078-1249

Mortgage

Document Number	4157979
Date	Jul 13, 2017
Instrument	4157/979

Lender

Name	HONOR CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 1875 Ames St was $2,559 with a homeowner's exemption.

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		$110,800 Land $9,900 Building $100,900	$221,600 Land $19,800 Building $201,800
2025	$2,559.00
2023		$81,900 Land $8,400 Building $73,500	$163,800 Land $16,800 Building $147,000
2022	$2,106.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1875 Ames 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 1875 Ames 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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

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

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

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