232 23rd St, Otsego, MI 49078 Property Records

Allegan County property record for 232 23rd St, Otsego, MI 49078

Property Summary

Property Type	Single Family Home
Details	1 ba · 793 sqft · built 1920
Lot Size	3.81 acres (166,269 sqft)
Owner	2 Individual Names on Record
Last Sale	$345,000 (Aug 2026)
Tax Bill	$3,367 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Mar 2026 Re-recorded Document + 1 more
Flood Zone	Zone X (minimal risk)
APN	`17-030-011-00`

Property Details

APN / Parcel Number

Primary APN	`17-030-011-00`
Alternative APN	`03-17-030-011-00`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	793 sqft Living Area
1st Floor Area	793 sqft
Basement Area	730 sqft
Unfinished Basement	730 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Ranch
Exterior Material	Wood
Foundation Type	No Foundation
Lot Area	166,269 sqft (3.81 acres)
Lot Dimensions	469 ft deep x 354 ft wide
Parking Spaces	5 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	232 23RD ST
City	OTSEGO
State	MI
Zip	49078-9624
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG
Legal Description	S 1056' OF E 471.4' W 1/2 SW 1/4 EX THE S 692.30' SEC 30 T1N R12W (88)
Legal Range	12W
Legal Township	01N
Legal Section	30
Jurisdiction	ALLEGAN MI
Township / Civil Division	OTSEGO
Census Block Group	1
Census Block	1039
Census Tract	31800

Owner

Source: Allegan County records, as of September 11, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	232 23RD ST, OTSEGO, MI 49078-9624
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Aug 28, 2026	Warranty Deed, Transfer · FHA Mortgage ROCKET MORTGAGE LLC
Mar 30, 2026	Re-recorded Document ACCOMODATION, ACCOMMODATION
Apr 13, 2018	Deed of Trust, Mortgage CONSUMERS CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 28, 2026 · Amount on Record
Deed Sale	Aug 28, 2026 · Amount on Record
Prior Sale	Sep 30, 2024 · Amount on Record
Deed Document Number	202614493
Deed Book / Page	5170 / 87
Prior Transfer Date	Nov 4, 2024
Prior Transfer Doc	004988/530
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEGAN MI
Recording Date	Aug 28, 2026
Property Address	232 23RD ST, OTSEGO, MI 49078-9624
Document Number	0000014493
Book / Page	5170 / 87
Instrument Date	Aug 26, 2026
Instrument	202614493
Transaction Type	Transfer
Record Updated	Sep 11, 2026
Title Company	ACURA TITLE, ACRISURE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$299,667.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	232 23RD ST, OTSEGO, MI 49078-9624

Mortgage

Document Number	0000014494,
Date	Aug 28, 2026
Instrument	202614494

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Max Rate	-1%

March 2026: Re-recorded Document

Document Type	Re-recorded Document
Jurisdiction	ALLEGAN MI
Recording Date	Mar 30, 2026
Property Address	232 23RD ST, OTSEGO, MI 49078-9624
Document Number	005123/799
Book / Page	5123 / 799
Instrument Date	Mar 30, 2026
Instrument	2026005180
Record Updated	Apr 10, 2026
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt

Transferred From (Grantor/Seller)

Name	Verified Name
Address	232 23RD ST, OTSEGO, MI 49078-9624

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2700 STADIUM DR, KALAMAZOO, MI 49008

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGAN MI
Property Address	232 23RD ST, OTSEGO, MI 49078-9624
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	4237/238
Date	Apr 13, 2018
Book Page	4237/238

Lender

Name	CONSUMERS CU
Type	Credit Union
Address	KALAMAZOO, MI 49009

Agreement

Amount	Amount Recorded
Term	84 Months
Due	Apr 7, 2025

Tax Assessment & Valuation

Source: Allegan County assessment roll, as of September 9, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Allegan County
County Subdivision	Otsego Township
Unified School District	Otsego Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$63,800 (-0.16%) Land $17,900 Building $45,900	$127,600 (-0.16%) Land $35,800 Building $91,800
2025	$3,367.00 (+279.59%)	$63,900 (+27.04%) Land $17,900 Building $46,000	$127,800 (+27.04%) Land $35,800 Building $92,000
2024	$887.00 (+17.64%)
2023		$50,300 Land $16,800 Building $33,500	$100,600 Land $33,600 Building $67,000
2022	$754.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 20 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mercury Fiber Fiber	5,000 / 5,000
Starlink Satellite	280 / 30

May also be available: 123.NET, Bloomingdale Communications.

Cell Coverage

5G (outdoors only) and 4G LTE

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