229 E Hammond St, Otsego, MI 49078 Property Records

Allegan County property record for 229 E Hammond St, Otsego, MI 49078

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,442 sqft
Lot Size	0.25 acres (10,890 sqft)
Owner	Individual Name on Record
Last Sale	$120,000 (Jul 2016)
Tax Bill	$2,439 (2025)
Deeds & Mortgages	Jan 2026 Second Mortgage Mar 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`54-116-006-00`

Property Details

APN / Parcel Number

Primary APN	`54-116-006-00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,442 sqft Living Area
1st Floor Area	1,274 sqft
Basement Area	672 sqft
Unfinished Basement	672 sqft

Exterior

Architectural Style	Cape Cod
Exterior Material	Stucco
Foundation Type	No Foundation
Lot Area	10,890 sqft (0.25 acres)
Lot Dimensions	165 ft deep x 66 ft wide
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	229 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	LOT 6 BLOCK 16 O. P. SEC 22 & 23.
Legal Subdivision	ORIGINAL PLAT OF THE CITY OF OTSEGO
Legal Block	16
Legal Lot Number	6
Jurisdiction	ALLEGAN MI
Township / Civil Division	OTSEGO
Census Block Group	2
Census Block	2012
Census Tract	31900

Owner

Source: Allegan County records, as of June 25, 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	229 E HAMMOND ST, OTSEGO, MI 49078-1411
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 21, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage HONOR CU
Mar 14, 2022	Deed of Trust, Mortgage · Conventional Mortgage MEIJER CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 28, 2016 · Amount on Record
Deed Sale	Jul 28, 2016 · Amount on Record
Prior Sale	Nov 4, 2013 · Amount on Record
Deed Book / Page	4050 / 485
Record Updated	Sep 20, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGAN MI
Property Address	229 E HAMMOND ST, OTSEGO, MI 49078-1411
Transaction Type	Mortgage
Record Updated	Feb 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	229 E HAMMOND ST, OTSEGO, MI 49078-1411

Mortgage

Document Number	005105/400
Date	Jan 21, 2026
Book Page	5105/400
Instrument	2026001030

Lender

Name	HONOR CU
Type	Credit Union
Address	BERRIEN SPRINGS, MI 49103

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Feb 1, 2041

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGAN MI
Property Address	229 E HAMMOND ST, OTSEGO, MI 49078-1411
Transaction Type	Mortgage
Record Updated	Mar 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	229 E HAMMOND ST, OTSEGO, MI 49078-1411

Mortgage

Document Number	004739/373
Date	Mar 14, 2022
Book Page	4739/373
Instrument	2022005055

Lender

Name	MEIJER CU
Type	Credit Union
Address	GRAND RAPIDS, MI 49544

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2037

Interest

Tax Assessment & Valuation

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		$97,900 (+31.23%) Land $12,900 Building $85,000	$195,800 (+31.23%) Land $25,800 Building $170,000
2025	$2,439.00 (+19.44%)
2023		$74,600 Land $6,100 Building $68,500	$149,200 Land $12,200 Building $137,000
2022	$2,042.00

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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