212 E Hammond St, Otsego, MI 49078 Property Records

Allegan County property record for 212 E Hammond St, Otsego, MI 49078

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,112 sqft · built 1910
Lot Size	0.241 acres (10,498 sqft)
Owner	2 Individual Names on Record
Last Sale	$185,000 (Sep 2026)
Tax Bill	$1,711 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Nov 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`54-122-015-00`

Property Details

APN / Parcel Number

Primary APN	`54-122-015-00`
Alternative APN	`03-54-122-015-00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,112 sqft Living Area
1st Floor Area	944 sqft
Basement Area	672 sqft
Unfinished Basement	672 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Ranch
Exterior Material	Wood
Foundation Type	Raised
Lot Area	10,498 sqft (0.241 acres)
Lot Dimensions	210 ft deep x 50 ft wide
Garage Area	216 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	212 E HAMMOND ST
City	OTSEGO
State	MI
Zip	49078-1412
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-B
Legal Description	COM 131 1/2 FT E OF THE SE COR OF FAIR ST & HAMMOND ST TH E'LY 50 FT PPL WITH HAMMOND ST TH S'LY AT RT ANG & PPL WITH FAIR ST 210 FT TH W'LY PPL WITH HAMMOND ST 50 FT TH N'LY 210 FT TO POB BLK. 22 O. P. SEC'S 22 & 23. (72).
Legal Block	22
Jurisdiction	ALLEGAN MI
Township / Civil Division	OTSEGO
Census Block Group	2
Census Block	2018
Census Tract	31900

Owner

Source: Allegan County records, as of October 5, 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	605 105TH AVE, PLAINWELL, MI 49080-9540
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 17, 2026	Warranty Deed, Transfer · FHA Mortgage CORNERSTONE MORTGAGE INC
Nov 18, 2019	Deed of Trust, Mortgage · VA Mortgage SUCCESS MORTGAGE PARTNERS INC
Nov 18, 2019	Warranty Deed, Transfer CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 17, 2026 · Amount on Record
Deed Sale	Sep 17, 2026 · Amount on Record
Prior Sale	Nov 18, 2019 · Amount on Record
Deed Document Number	202615891
Deed Book / Page	5176 / 358
Prior Transfer Date	May 12, 1998
Prior Transfer Doc	1738000407
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEGAN MI
Recording Date	Sep 17, 2026
Property Address	212 E HAMMOND ST, OTSEGO, MI 49078-1412
Document Number	0000015891
Book / Page	5176 / 358
Instrument Date	Sep 9, 2026
Instrument	202615891
Transaction Type	Transfer
Record Updated	Oct 5, 2026
Title Company	TITLE AGENCY, SUN TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$160,691.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	605 105TH AVE, PLAINWELL, MI 49080-9540

Mortgage

Document Number	0000015892,
Date	Sep 17, 2026
Book Page	5176/361
Instrument	202615892

Lender

Name	CORNERSTONE MORTGAGE INC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Max Rate	-1%

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGAN MI
Property Address	212 E HAMMOND ST, OTSEGO, MI 49078-1412
Transaction Type	Mortgage
Record Updated	Jan 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004404/001
Date	Nov 18, 2019
Book Page	4404/001

Lender

Name	SUCCESS MORTGAGE PARTNERS INC
Type	Mortgage Company
Address	PLYMOUTH, MI 48170

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2049

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEGAN MI
Recording Date	Nov 18, 2019
Property Address	212 E HAMMOND ST, OTSEGO, MI 49078-1412
Document Number	4403/995
Book / Page	4403 / 995
Instrument Date	Oct 31, 2019
Transaction Type	Transfer
Record Updated	Aug 3, 2021
Title Company	CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC

Transaction

Amount	Amount Recorded
Tax	$817.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	212 E HAMMOND ST, 212, OTSEGO, MI 49078-1412

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7476 W B AVE, KALAMAZOO, MI 49009-6807

Tax Assessment & Valuation

Source: Allegan County assessment roll, as of September 9, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Allegan County
Municipality	Otsego City
Unified School District	Otsego Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$58,700 (+34.32%) Land $11,000 Building $47,700	$117,400 (+34.32%) Land $22,000 Building $95,400
2025	$1,711.00 (+19.32%)
2023		$43,700 Land $5,200 Building $38,500	$87,400 Land $10,400 Building $77,000
2022	$1,434.00

Assessed value is set for property tax purposes, not a market price estimate; it is 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
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 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 476 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
T-Mobile Fixed Wireless	100 / 20

May also be available: 123.NET.

Cell Coverage

5G (outdoors only) and 4G LTE

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