224 Temple St, Otsego, MI 49078 Property Records

Allegan County property record for 224 Temple St, Otsego, MI 49078

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,219 sqft · built 2022
Lot Size	0.188 acres (8,189 sqft)
Owner	Individual Name on File
Last Sale	$15,000 (Dec 2020)
Tax Bill	$5,798 (2025)
Deeds & Mortgages	May 2022 Construction Loan Dec 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`54-340-036-02`

Property Details

APN / Parcel Number

Primary APN	`54-340-036-02`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Building Area	1,219 sqft Living Area
1st Floor Area	1,219 sqft
Basement Area	1,219 sqft
Unfinished Basement	1,219 sqft

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Architectural Style	Ranch
Lot Area	8,189 sqft (0.188 acres)
Lot Dimensions	132 ft deep x 62 ft wide
Garage Area	467 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	224 TEMPLE ST
City	OTSEGO
State	MI
Zip	49078-1443
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 36 EX E 4? HEALEY'S ADDITION TO THE CITY OF OTSEGO SW 1/4 SEC 23 T1N R12W (2019). SPLIT/COMBINED ON 11/20/2018 FROM
Legal Range	12W
Legal Township	01N
Legal Section	23
Legal Subdivision	HEALEYS ADD
Legal Lot Number	36
Jurisdiction	ALLEGAN MI
Township / Civil Division	OTSEGO
Census Block Group	3
Census Block	3024
Census Tract	31900

Owner

224 Temple St is owned and occupied by an individual who bought it in December 2020.

Source: Allegan County records, as of June 25, 2026

Owner of Record	Individual Name on File
Mailing Address	224 TEMPLE ST, OTSEGO, MI 49078-1443
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
May 20, 2022	Deed of Trust, Mortgage · Construction Mortgage INDEPENDENT BANK
Dec 28, 2020	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 28, 2020 · Amount on File
Deed Sale	Dec 28, 2020 · Amount on File
Deed Book / Page	4557 / 347
Record Updated	Sep 20, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGAN MI
Property Address	224 TEMPLE ST, OTSEGO, MI 49078-1443
Transaction Type	Mortgage
Record Updated	Aug 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	841 BROOKSIDE DR 109, 109, LANSING, MI 48917-8205

Mortgage

Document Number	004762/807
Date	May 20, 2022
Book Page	4762/807
Instrument	2022010484

Lender

Name	INDEPENDENT BANK
Type	Bank
Address	GRAND RAPIDS, MI 49525

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	373 Months
Due	Jun 1, 2053

Interest

Adjustable	Adjustable Rate Rider
Max Rate At Change	7.62%

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEGAN MI
Recording Date	Dec 28, 2020
Property Address	224 TEMPLE ST, OTSEGO, MI 49078-1443
Document Number	004557/347
Book / Page	4557 / 347
Map Reference	LB 5 PG 86
Instrument Date	Dec 18, 2020
Transaction Type	Transfer
Record Updated	Aug 7, 2023

Transaction

Amount	Amount on Record
Tax	$129.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	220 TEMPLE ST, OTSEGO, MI 49078-1443

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	765 GLEN TERRA DRIVE, LANSING, MI 48917

Tax Assessment & Valuation

The 2025 property tax bill for 224 Temple St was $5,798 with a homeowner's exemption.

Source: Allegan County assessment roll, as of June 25, 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		$154,200 Land $10,900 Building $143,300	$308,400 Land $21,800 Building $286,600
2025	$5,798.00
2023		$116,800 Land $5,100 Building $111,700	$233,600 Land $10,200 Building $223,400
2022	$303.00

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

Flood

FEMA maps place 224 Temple St in Zone X, an area of minimal flood risk.

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	7 in force

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 224 Temple 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	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 195 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Surf Internet Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: 123.NET, Mercury Fiber.

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