234 E Hammond St, Otsego, MI 49078 Property Records

Allegan County property record for 234 E Hammond St, Otsego, MI 49078

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,128 sqft · built 1920
Lot Size	0.849 acres (36,982 sqft)
Owner	Company Name on File
Last Sale	$130,000 (Jun 2025)
Tax Bill	$2,589 (2025)
Deeds & Mortgages	Sep 2019 Line of Credit Jun 2025 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`54-122-003-00`

Property Details

APN / Parcel Number

Primary APN	`54-122-003-00`
Alternative APN	`03-54-122-003-00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,128 sqft Living Area
1st Floor Area	1,128 sqft
Basement Area	1,032 sqft
Unfinished Basement	1,032 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Ranch
Exterior Material	Wood
Foundation Type	Raised
Lot Area	36,982 sqft (0.849 acres)
Lot Dimensions	247 ft deep x 66 ft wide
Garage Area	1,248 sqft
Parking Spaces	5 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	234 E HAMMOND ST
City	OTSEGO
State	MI
Zip	49078-1412
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-B
Legal Description	LOTS 3 & 4 ALSO LOT 5 EX S'LY 15' ALSO N'LY 1/2 OF LOT 8 BLOCK 22 O P SEC 23
Legal Subdivision	ORIGINAL PLAT OF THE VILLAGE NOW
Legal Block	22
Legal Lot Number	3-5,8
Jurisdiction	ALLEGAN MI
Township / Civil Division	OTSEGO
Census Block Group	2
Census Block	2018
Census Tract	31900

Owner

234 E Hammond St is owned by a company that bought it in June 2025 and is owner-occupied.

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

Owner of Record	Company Name on File
Mailing Address	161 S ROAD ST STE 800, 800, KALAMAZOO, MI 49007
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Limited Liability Partnership

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

Date	Document
Sep 25, 2019	Deed of Trust, Mortgage · Line of Credit ARBOR FINANCIAL CU
Jun 27, 2025	Warranty Deed, Transfer UNKNOWN, TRA
Oct 29, 2024	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 27, 2025 · Amount on File
Deed Sale	Jun 27, 2025 · Amount on File
Deed Document Number	202510077
Deed Book / Page	5045 / 630
Prior Transfer Date	Sep 25, 2024
Prior Transfer Doc	0004986/14
Record Updated	Oct 29, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGAN MI
Property Address	234 E HAMMOND ST, OTSEGO, MI 49078-1412
Transaction Type	Mortgage
Record Updated	Jan 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	004384/857
Date	Sep 25, 2019
Book Page	4384/857

Lender

Name	ARBOR FINANCIAL CU
Type	Credit Union
Address	KALAMAZOO, MI 49009

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Sep 25, 2039

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEGAN MI
Recording Date	Jun 27, 2025
Property Address	234 E HAMMOND ST, OTSEGO, MI 49078-1412
Document Number	005045/630
Book / Page	5045 / 630
Instrument Date	Jun 25, 2025
Instrument	2025010077
Transaction Type	Transfer
Record Updated	Jan 20, 2026
Title Company	UNKNOWN, TRA

Transaction

Amount	Amount on Record
Tax	$1,118.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	234 E HAMMOND ST, OTSEGO, MI 49078-1412

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	161 E SOUTH ST # 800, 800, KALAMAZOO, MI 49007-4809

October 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ALLEGAN MI
Recording Date	Oct 29, 2024
Property Address	234 E HAMMOND ST, OTSEGO, MI 49078-1412
Document Number	0004986/14
Book / Page	4986 / 14
Instrument Date	Sep 25, 2024
Instrument	2024016138
Transaction Type	Transfer
Record Updated	Jan 20, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	234 E HAMMOND ST, OTSEGO, MI 49078-1412

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	234 E HAMMOND ST, OTSEGO, MI 49078-1412

Tax Assessment & Valuation

The 2025 property tax bill for 234 E Hammond St was $2,589 with a homeowner's exemption, up 2.3% from the year before.

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		$90,000 (-10.8%)	$180,000 (-10.8%)
2025	$2,589.00 (+2.33%) Homeowner's exemption	$100,900 Land $34,500 Building $66,400	$201,800 Land $69,000 Building $132,800
2024	$2,530.00
2023		$72,200 Land $19,300 Building $52,900	$144,400 Land $38,600 Building $105,800
2022	$2,168.00

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

Flood

FEMA maps place 234 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 234 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 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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