231 E Hammond St, Otsego, MI 49078 Property Records

Allegan County property record for 231 E Hammond St, Otsego, MI 49078

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,068 sqft · built 1949
Lot Size	0.25 acres (10,890 sqft)
Owner	Individual Name on Record
Last Sale	$102,000 (Jun 2018)
Tax Bill	$2,564 (2025)
Deeds & Mortgages	May 2020 Mortgage Jun 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`54-116-007-00`

Property Details

APN / Parcel Number

Primary APN	`54-116-007-00`
Alternative APN	`03-54-116-007-00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,068 sqft Living Area
1st Floor Area	1,068 sqft
Basement Area	1,068 sqft
Unfinished Basement	1,068 sqft

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1949
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	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	231 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 7 BLK 16 O. P. SEC 22 & 23.
Legal Block	16
Legal Lot Number	7
Jurisdiction	ALLEGAN MI
Township / Civil Division	OTSEGO
Census Block Group	2
Census Block	2012
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	231 E HAMMOND ST, OTSEGO, MI 49078-1411
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 8, 2020	Deed of Trust, Mortgage · Conventional Mortgage HONOR CU
Jun 4, 2020	Deed of Trust, Mortgage · Line of Credit HONOR CU
Jun 14, 2018	Warranty Deed, Transfer · Conventional Mortgage HONOR CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 14, 2018 · Amount on Record
Deed Sale	Jun 14, 2018 · Amount on Record
Prior Sale	Jun 22, 2012 · Amount on Record
Deed Book / Page	4254 / 311
Prior Transfer Date	Jan 30, 2015
Prior Transfer Doc	3900/570
Record Updated	Oct 29, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGAN MI
Property Address	231 E HAMMOND ST, OTSEGO, MI 49078-1411
Transaction Type	Mortgage
Record Updated	May 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004460/672
Date	May 8, 2020
Book Page	4460/672

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2050

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGAN MI
Property Address	231 E HAMMOND ST, OTSEGO, MI 49078-1411
Transaction Type	Mortgage
Record Updated	May 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004469/268
Date	Jun 4, 2020
Book Page	4469/268

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jun 28, 2040

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEGAN MI
Recording Date	Jun 14, 2018
Property Address	231 E HAMMOND ST, OTSEGO, MI 49078-1411
Document Number	004254/311
Book / Page	4254 / 311
Instrument Date	Jun 7, 2018
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	FIDELITY NATIONAL TITLE G, FIDELITY NATIONAL TITLE GROU

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$877.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	231 HAMMOND ST, 231, BATTLE CREEK, MI 49014

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3520 N DRAKE RD APT A210, A210, KALAMAZOO, MI 49006-3427

Mortgage

Document Number	0004254312
Date	Jun 14, 2018
Instrument	4254/312

Lender

Name	HONOR CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2048

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		$91,700 (+1.1%) Land $12,900 Building $78,800	$183,400 (+1.1%) Land $25,800 Building $157,600
2025	$2,564.00 (+2.27%) Homeowner's exemption	$90,700 (+31.45%) Land $10,900 Building $79,800	$181,400 (+31.45%) Land $21,800 Building $159,600
2024	$2,507.00 (+16.77%)
2023		$69,000 Land $6,100 Building $62,900	$138,000 Land $12,200 Building $125,800
2022	$2,147.00

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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