2040 101st Ave, Otsego, MI 49078 Property Records

Allegan County property record for 2040 101st Ave, Otsego, MI 49078

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,332 sqft · built 1985
Lot Size	1.03 acres (45,215 sqft)
Owner	Individual Name on Record
Last Sale	$106,900 (Apr 2018)
Tax Bill	$2,333 (2025)
Deeds & Mortgages	May 2026 Line of Credit Nov 2020 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`17-032-031-00`

Property Details

APN / Parcel Number

Primary APN	`17-032-031-00`
Alternative APN	`03-17-032-031-00`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,332 sqft Living Area
1st Floor Area	1,332 sqft
Basement Area	1,020 sqft
Unfinished Basement	1,020 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Ranch
Exterior Material	Wood Siding
Foundation Type	Slab (Mat/Raft)
Lot Area	45,215 sqft (1.03 acres)
Lot Dimensions	164 ft deep x 275 ft wide
Garage Area	768 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	2040 101ST AVE
City	OTSEGO
State	MI
Zip	49078-9645
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES
Legal Description	W 10 RDS OF E 990' OF N 622' E 1/2 SE 1/4 EX THE N 355.75' THEREOF SEC 32 T1N R12W (94)
Legal Range	12W
Legal Township	01N
Legal Section	32
Jurisdiction	ALLEGAN MI
Township / Civil Division	OTSEGO
Census Block Group	3
Census Block	3030
Census Tract	31800

Owner

Source: Allegan County records, as of September 9, 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	2040 101ST AVE, OTSEGO, MI 49078-9645
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 18, 2026	Deed of Trust, Mortgage · Line of Credit ADVIA CREDIT UNION
Nov 25, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERIFIRST FINANCIAL CORP
Apr 3, 2018	Warranty Deed, Transfer · Conventional Mortgage AMERIFIRST FINANCIAL CORP
Nov 20, 2017	Quit Claim Deed, Foreclosure Quitclaim
Nov 1, 2017	Quit Claim Deed, Transfer Quitclaim
Oct 27, 2017	Sheriff's Deed, Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 3, 2018 · Amount on Record
Deed Sale	Apr 3, 2018 · Amount on Record
Prior Sale	Oct 27, 2017 · Amount on Record
Deed Book / Page	4233 / 230
Prior Transfer Date	Nov 13, 2017
Prior Transfer Doc	4197/595
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGAN MI
Recording Date	May 18, 2026
Property Address	2040 101ST AVE, OTSEGO, MI 49078-9645
Document Number	0000008180
Book / Page	5138 / 741
Instrument Date	May 13, 2026
Instrument	20268180
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2040 101ST AVE, OTSEGO, MI 49078-9645

Mortgage

Document Number	0000008180,
Date	May 18, 2026
Book Page	5138/741
Instrument	20268180

Lender

Name	ADVIA CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6.3%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGAN MI
Property Address	2040 101ST AVE, OTSEGO, MI 49078-9645
Transaction Type	Mortgage
Record Updated	May 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004543/648
Date	Nov 25, 2020
Book Page	4543/648

Lender

Name	AMERIFIRST FINANCIAL CORP
Type	Funding / Finance Company
Address	PORTAGE, MI 49002

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Dec 1, 2035

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEGAN MI
Recording Date	Apr 3, 2018
Property Address	2040 101ST AVE, OTSEGO, MI 49078-9645
Document Number	004233/230
Book / Page	4233 / 230
Instrument Date	Mar 21, 2018
Transaction Type	Transfer
Record Updated	May 3, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$920.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12752 VERGENNES ST, 12752, LOWELL, MI 49331-9605

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22181 BASELINE RD, OTSEGO, MI 49078-9674

Mortgage

Document Number	0004233234
Date	Apr 3, 2018
Instrument	4233/234

Lender

Name	AMERIFIRST FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2048

November 2017: Quit Claim Deed, Foreclosure

Document Type	Quit Claim Deed
Jurisdiction	ALLEGAN MI
Recording Date	Nov 20, 2017
Property Address	2040 101ST AVE, OTSEGO, MI 49078-9645
Document Number	4197/595
Book / Page	4197 / 595
Instrument Date	Nov 13, 2017
Instrument	4197-595
Transaction Type	Foreclosure
Record Updated	Aug 3, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5001 KINGSLEY DR, 5001, CINCINNATI, OH 45227-1114

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14221 DALLAS PKWY STE 1000, 1000, DALLAS, TX 75254-2946
Investor	Possibly a Property Investor

November 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ALLEGAN MI
Recording Date	Nov 1, 2017
Property Address	2040 101ST AVE, OTSEGO, MI 49078-9645
Document Number	4192/339
Book / Page	4192 / 339
Instrument Date	Oct 26, 2017
Instrument	4192-339
Transaction Type	Transfer
Record Updated	Aug 3, 2021

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12752 VERGENNES ST, LOWELL, MI 49331-9605

October 2017: Sheriff's Deed, Foreclosure

Document Type	Sheriff's Deed
Jurisdiction	ALLEGAN MI
Recording Date	Oct 27, 2017
Property Address	2040 101ST AVE, OTSEGO, MI 49078-9645
Document Number	4190/799
Book / Page	4190 / 799
Instrument Date	Oct 19, 2017
Instrument	4190-799
Transaction Type	Foreclosure
Record Updated	Aug 3, 2021

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Trustee Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5001 KINGSLEY DR, CINCINNATI, OH 45227-1114

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		$102,200 (-0.1%) Land $9,100 Building $93,100	$204,400 (-0.1%) Land $18,200 Building $186,200
2025	$2,333.00 (+2.59%) Homeowner's exemption	$102,300 (+32.68%) Land $9,100 Building $93,200	$204,600 (+32.68%) Land $18,200 Building $186,400
2024	$2,274.00 (+18.44%)
2023		$77,100 Land $8,900 Building $68,200	$154,200 Land $17,800 Building $136,400
2022	$1,920.00

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 46 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mercury Fiber Fiber	5,000 / 5,000
Starlink Satellite	280 / 30

May also be available: 123.NET.

Cell Coverage

4G LTE only, no 5G reported

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