225 E Hammond St, Otsego, MI 49078 Property Records

Allegan County property record for 225 E Hammond St, Otsego, MI 49078

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,160 sqft · built 1945
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Individual Names on File
Last Sale	$133,000 (Nov 2019)
Tax Bill	$2,111 (2025)
Deeds & Mortgages	Nov 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`54-116-018-00`

Property Details

APN / Parcel Number

Primary APN	`54-116-018-00`
Alternative APN	`03-54-116-018-00`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,160 sqft Living Area
1st Floor Area	1,160 sqft
Basement Area	1,160 sqft
Unfinished Basement	1,160 sqft

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1945
Architectural Style	Ranch
Exterior Material	Brick
Lot Area	10,890 sqft (0.25 acres)
Lot Dimensions	165 ft deep x 66 ft wide
Garage Area	312 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	225 E HAMMOND ST
City	OTSEGO
State	MI
Zip	49078-1411
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-B
Legal Description	ELY 66' OF SLY 165' OF WLY 1/2 BLOCK 16 O. P. SEC 22 & 23.
Legal Subdivision	THE VILLAGE OF OTSEGO
Legal Block	16
Jurisdiction	ALLEGAN MI
Township / Civil Division	OTSEGO
Census Block Group	2
Census Block	2012
Census Tract	31900

Owner

225 E Hammond St is owned and occupied by two individuals who bought it in November 2019.

Source: Allegan County records, as of September 9, 2026

Owner of Record	2 Individual Names on File
Mailing Address	225 E HAMMOND ST, OTSEGO, MI 49078-1411
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 12, 2019 · Amount on File
Deed Sale	Nov 12, 2019 · Amount on File
Prior Sale	Jul 3, 2014 · Amount on File
Deed Book / Page	4401 / 409
Prior Transfer Date	Oct 13, 2008
Prior Transfer Doc	3275/231
Record Updated	Oct 29, 2026

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEGAN MI
Recording Date	Nov 12, 2019
Property Address	225 E HAMMOND ST, OTSEGO, MI 49078-1411
Document Number	004401/409
Book / Page	4401 / 409
Map Reference	LB 5 PG 231
Instrument Date	Oct 31, 2019
Transaction Type	Transfer
Record Updated	May 3, 2022

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,143.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	225 E HAMMOND ST, 225, OTSEGO, MI 49078-1411

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	230 E HAMMOND ST, OTSEGO, MI 49078-1412

Mortgage

Document Number	0004401412
Date	Nov 12, 2019
Instrument	4401/412

Lender

Name	AMERIFIRST FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 225 E Hammond St was $2,111 with a homeowner's exemption.

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		$94,800 Land $12,900 Building $81,900	$189,600 Land $25,800 Building $163,800
2025	$2,111.00
2023		$71,200 Land $6,100 Building $65,100	$142,400 Land $12,200 Building $130,200
2022	$1,769.00

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

Flood

FEMA maps place 225 E Hammond St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 225 E Hammond 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 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

Nearby Properties on E Hammond St

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