226 Dix St, Otsego, MI 49078 Property Records

Allegan County property record for 226 Dix St, Otsego, MI 49078

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,296 sqft · built 1940
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on Record
Last Sale	$155,000 (May 2023)
Tax Bill	$4,191 (2025)
Deeds & Mortgages	May 2023 Sale & Mortgage Jan 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`54-340-021-00`

Property Details

APN / Parcel Number

Primary APN	`54-340-021-00`
Alternative APN	`03-54-340-021-00`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,296 sqft Living Area
1st Floor Area	1,296 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Ranch
Exterior Material	Stucco
Foundation Type	No Foundation
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	132 ft deep x 66 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	226 DIX ST
City	OTSEGO
State	MI
Zip	49078-1430
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-B
Legal Description	LOT 21 SEC 23 T1N R12W HEALEY'S ADDITION TO THE CITY OF OTSEGO.
Legal Range	12W
Legal Township	01N
Legal Section	23
Legal Subdivision	HEALEYS ADD
Legal Lot Number	21
Jurisdiction	ALLEGAN MI
Township / Civil Division	OTSEGO
Census Block Group	3
Census Block	3022
Census Tract	31900

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	226 DIX ST, OTSEGO, MI 49078-1430
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 1, 2023	Warranty Deed, Transfer · Conventional Mortgage VAN DYK MORTGAGE CORP
Jan 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage LAKE MICHIGAN CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 1, 2023 · Amount on Record
Deed Sale	May 1, 2023 · Amount on Record
Prior Sale	Jun 27, 2007 · Amount on Record
Deed Document Number	20236189
Deed Book / Page	4852 / 744
Prior Transfer Date	Aug 4, 2005
Prior Transfer Doc	2873/747
Record Updated	Oct 29, 2026

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEGAN MI
Recording Date	May 1, 2023
Property Address	226 DIX ST, OTSEGO, MI 49078-1430
Document Number	004852/744
Book / Page	4852 / 744
Map Reference	LB 5 PG 86
Instrument Date	Apr 21, 2023
Instrument	2023006189
Transaction Type	Transfer
Record Updated	May 15, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,162.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5690 SNOW AVE SE, ALTO, MI 49302-9781

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	226 DIX ST, OTSEGO, MI 49078-1430

Mortgage

Document Number	2023006190
Date	May 1, 2023
Instrument	2023006190

Lender

Name	VAN DYK MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2053

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGAN MI
Property Address	226 DIX ST, OTSEGO, MI 49078-1430
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	4569/770
Date	Jan 26, 2021
Book Page	4569/770

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union
Address	GRAND RAPIDS, MI 49501

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Feb 1, 2041

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		$73,300 (+0.41%) Land $11,600 Building $61,700	$146,600 (+0.41%) Land $23,200 Building $123,400
2025	$4,191.00 (+4.2%) Homeowner's exemption	$73,000 (+31.53%) Land $9,700 Building $63,300	$146,000 (+31.53%) Land $19,400 Building $126,600
2024	$4,022.00 (+91.71%)
2023		$55,500 Land $5,400 Building $50,100	$111,000 Land $10,800 Building $100,200
2022	$2,098.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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
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

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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