1989 Cygnet Dr, Otsego, MI 49078 Property Records

Allegan County property record for 1989 Cygnet Dr, Otsego, MI 49078

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,320 sqft · built 2021
Lot Size	0.787 acres (34,304 sqft)
Owner	2 Individual Names on Record
Last Sale	$380,000 (Aug 2023)
Tax Bill	$6,031 (2025)
Deeds & Mortgages	Aug 2023 Sale & Mortgage Jun 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`17-630-001-01`

Property Details

APN / Parcel Number

Primary APN	`17-630-001-01`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,320 sqft Living Area
1st Floor Area	1,320 sqft
Basement Area	1,320 sqft
Unfinished Basement	1,320 sqft

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Architectural Style	Ranch
Lot Area	34,304 sqft (0.787 acres)
Lot Width	100 ft Width
Garage Area	1,776 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1989 CYGNET DR
City	OTSEGO
State	MI
Zip	49078-9696
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES
Legal Description	UNIT 1 SWAN BLUFF ESTATES NW 1/4 SEC 28(SPLIT FROM 028-017-00 FOR 2002 ROLL)
Legal Subdivision	SWAN BLUFF ESTATES
Legal Unit	1
Jurisdiction	ALLEGAN MI
Township / Civil Division	OTSEGO
Census Block Group	1
Census Block	1027
Census Tract	31800

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	1989 CYGNET DR, OTSEGO, MI 49078-9696
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 25, 2023	Warranty Deed, Transfer · Conventional Mortgage HORIZON BANK
Jun 9, 2021	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage LAKE MICHIGAN CU
Jul 29, 2020	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 25, 2023 · Amount on Record
Deed Sale	Aug 25, 2023 · Amount on Record
Prior Sale	Jun 9, 2021 · Amount on Record
Deed Document Number	202312281
Deed Book / Page	4881 / 224
Record Updated	Sep 20, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEGAN MI
Recording Date	Aug 25, 2023
Property Address	1989 CYGNET DR, OTSEGO, MI 49078-9696
Document Number	004881/224
Book / Page	4881 / 224
Map Reference	LB 2180 PG 340
Instrument Date	Aug 11, 2023
Instrument	2023012281
Transaction Type	Transfer
Record Updated	Sep 11, 2023
Title Company	CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,850.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3927 126, ALAMO, GA 30411

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1059 11TH ST, PLAINWELL, MI 49080-9561

Mortgage

Document Number	2023012282
Date	Aug 25, 2023
Instrument	2023012282

Lender

Name	HORIZON BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

June 2021: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEGAN MI
Recording Date	Jun 9, 2021
Property Address	1989 CYGNET DR, OTSEGO, MI 49078-9696
Document Number	0004630/15
Book / Page	4630 / 15
Map Reference	LB 2180 PG 340
Instrument Date	Jun 3, 2021
Transaction Type	Subdivision Related Transfer
Record Updated	May 3, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,322.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2036 30TH ST, 2036, ALLEGAN, MI 49010-9514

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	329 15TH ST, OTSEGO, MI 49078-9642

Mortgage

Document Number	0000463018
Date	Jun 9, 2021
Instrument	4630/18

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2051

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEGAN MI
Recording Date	Jul 29, 2020
Property Address	1989 CYGNET DR, OTSEGO, MI 49078-9696
Document Number	4489/716
Book / Page	4489 / 716
Map Reference	LB 2180 PG 340
Instrument Date	Jul 20, 2020
Transaction Type	Transfer
Record Updated	Sep 28, 2021

Transaction

Amount	Amount Recorded
Tax	$1,049.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	318 21ST ST, 318, OTSEGO, MI 49078-9683

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2036 30TH ST, ALLEGAN, MI 49010-9514

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		$193,300 (+45.23%) Land $13,000 Building $180,300	$386,600 (+45.23%) Land $26,000 Building $360,600
2025	$6,031.00 (+45.71%)
2023		$133,100 Land $13,000 Building $120,100	$266,200 Land $26,000 Building $240,200
2022	$4,139.00

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

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 94% of the US · lower than 87% of Michigan
Wildfire Likelihood	Under 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 33 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mercury Fiber Fiber	5,000 / 5,000

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

Cell Coverage

5G (outdoors only) and 4G LTE

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