218 E Hammond St, Otsego, MI 49078 Property Records

Allegan County property record for 218 E Hammond St, Otsego, MI 49078

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,943 sqft
Lot Size	0.625 acres (27,225 sqft)
Owner	Individual Name on Record
Last Sale	$150,000 (Oct 2020)
Tax Bill	$5,472 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Oct 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`54-122-014-00`

Property Details

APN / Parcel Number

Primary APN	`54-122-014-00`
Alternative APN	`03-54-122-014-00`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	1,943 sqft Living Area
1st Floor Area	1,436 sqft
Basement Area	676 sqft
Unfinished Basement	676 sqft

Exterior

Exterior Material	Wood
Foundation Type	Raised
Lot Area	27,225 sqft (0.625 acres)
Lot Dimensions	330 ft deep x 82.5 ft wide
Garage Area	676 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	218 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 181.5' E OF THE SE COR OF FAIR & HAMMOND STS TH SLY AT RT ANG 330' TH E PPL WITH HAMMOND ST 82.5' TH N'LY 330' TO THE S LIN OF HAMMOND ST TH W'LY ON THE S LIN OF HAMMOND ST 82.5' TO POB BLK. 22 O. P. SEC'S 22 & 23. (72).
Legal Subdivision	ORIGINAL PLAT OF THE VILLAGE OF OTSEGO
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 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	218 E HAMMOND ST, OTSEGO, MI 49078-1412
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 26, 2021	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS LLC
Oct 29, 2020	Warranty Deed, Transfer · FHA Mortgage QUICKEN LOANS LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 29, 2020 · Amount on Record
Deed Sale	Oct 29, 2020 · Amount on Record
Prior Sale	Jun 15, 2005 · Amount on Record
Deed Book / Page	4530 / 416
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGAN MI
Property Address	218 E HAMMOND ST, OTSEGO, MI 49078-1412
Transaction Type	Mortgage
Record Updated	May 3, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004610/568
Date	Apr 26, 2021
Book Page	4610/568

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEGAN MI
Recording Date	Oct 29, 2020
Property Address	218 E HAMMOND ST, OTSEGO, MI 49078-1412
Document Number	004530/416
Book / Page	4530 / 416
Instrument Date	Aug 21, 2020
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	AMROCK INC, AMROCK

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,290.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	218 E HAMMOND ST, 218, OTSEGO, MI 49078-1412

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	218 EAST HAMMOND STRET, OTSEGO, MI 49078-1412

Mortgage

Document Number	0004530418
Date	Oct 29, 2020
Instrument	4530/418

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Sep 1, 2050

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		$123,900 (+33.95%) Land $22,800 Building $101,100	$247,800 (+33.95%) Land $45,600 Building $202,200
2025	$5,472.00 (+19.22%)
2023		$92,500 Land $10,800 Building $81,700	$185,000 Land $21,600 Building $163,400
2022	$4,590.00

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

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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