2401 102nd Ave, Otsego, MI 49078 Property Records

Allegan County property record for 2401 102nd Ave, Otsego, MI 49078

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,052 sqft · built 1998
Lot Size	5.3 acres (230,868 sqft)
Owner	Individual Name on File
Last Sale	$249,000 (Apr 2020)
Tax Bill	$4,615 (2025)
Deeds & Mortgages	Sep 2022 Line of Credit Jun 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`21-025-014-10`

Property Details

APN / Parcel Number

Primary APN	`21-025-014-10`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,052 sqft Living Area
1st Floor Area	1,036 sqft

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Exterior Material	Wood Siding
Foundation Type	No Foundation
Lot Area	230,868 sqft (5.3 acres)
Garage Area	1,632 sqft
Parking Spaces	6 Parking Spaces
Balcony Area	20 sqft
Total Buildings	4 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2401 102ND AVE
City	OTSEGO
State	MI
Zip	49078-9625
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG
Legal Description	THE S 5 A OF S 1/2 OF E 20 A SE 1/4 SEC 25 T1N R13W (82)
Legal Range	13W
Legal Township	01N
Legal Section	25
Jurisdiction	ALLEGAN MI
Township / Civil Division	TROWBRIDGE
Census Block Group	3
Census Block	3022
Census Tract	31101

Owner

Source: Allegan County assessment roll, as of June 25, 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 File
Mailing Address	2401 102ND AVE, OTSEGO, MI 49078-9625
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 20, 2022	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Jun 14, 2019	Deed of Trust, Mortgage · FHA Mortgage LOANDEPOT.COM LLC
Apr 8, 2020	Warranty Deed, Transfer · Conventional Mortgage MACATAWA BANK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 8, 2020 · Amount on Record
Deed Sale	Apr 8, 2020 · Amount on Record
Prior Sale	Apr 12, 2016 · Amount on Record
Deed Book / Page	4447 / 889
Record Updated	Sep 20, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGAN MI
Property Address	2401 102ND AVE, OTSEGO, MI 49078-9625
Transaction Type	Mortgage
Record Updated	Sep 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2401 102ND AVE, OTSEGO, MI 49078-9625

Mortgage

Document Number	004799/419
Date	Sep 20, 2022
Book Page	4799/419
Instrument	2022018228

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	477 Months
Due	Jun 1, 2062

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGAN MI
Property Address	2401 102ND AVE, OTSEGO, MI 49078-9625
Transaction Type	Mortgage
Record Updated	May 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004352/774
Date	Jun 14, 2019
Book Page	4352/774

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2049

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEGAN MI
Recording Date	Apr 8, 2020
Property Address	2401 102ND AVE, OTSEGO, MI 49078-9625
Document Number	004447/889
Book / Page	4447 / 889
Instrument Date	Mar 31, 2020
Transaction Type	Transfer
Record Updated	May 3, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,141.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2401 102ND AVE, 2401, OTSEGO, MI 49078-9625

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	22 COLTRAIN ST SW, GRAND RAPIDS, MI 49548-1117

Mortgage

Document Number	0004447892
Date	Apr 8, 2020
Instrument	4447/892

Lender

Name	MACATAWA BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2050

Tax Assessment & Valuation

Source: Allegan County assessment roll, as of June 25, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$196,900 (+31.62%) Land $36,800 Building $160,100	$393,800 (+31.62%) Land $73,600 Building $320,200
2025	$4,615.00 (+26.33%)
2023		$149,600 Land $24,300 Building $125,300	$299,200 Land $48,600 Building $250,600
2022	$3,653.00

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	Direct burnable vegetation at the parcel

Internet Providers

Source: FCC Broadband Data Collection, based on 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mercury Broadband Fiber	5,000 / 5,000
Bloomingdale Telephone Company Fiber	1,000 / 1,000
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on 102nd Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures