2428 103rd Ave, Otsego, MI 49078 Property Records

Allegan County property record for 2428 103rd Ave, Otsego, MI 49078

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,736 sqft · built 2002
Lot Size	0.99 acres (43,124 sqft)
Owner	2 Individual Names on File
Last Sale	$275,000 (Sep 2018)
Tax Bill	$25 (2025)
Deeds & Mortgages	Apr 2020 Mortgage Jan 2021 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`21-025-016-00`

Property Details

APN / Parcel Number

Primary APN	`21-025-016-00`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	1,736 sqft Living Area
1st Floor Area	1,736 sqft
Basement Area	1,736 sqft
Unfinished Basement	1,736 sqft

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Ranch
Lot Area	43,124 sqft (0.99 acres)
Garage Area	539 sqft
Parking Spaces	2 Parking Spaces
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	2428 103RD AVE
City	OTSEGO
State	MI
Zip	49078-9623
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG
Legal Description	COM AT A PT 260 FT W OF THE NE COR OF THE E 1/2 OF THE SE 1/4 OF SEC 25 EXC 20 A OFF THE E SIDE THEREOF AS A PL OF BEG TH S
Legal Range	13W
Legal Township	01N
Legal Section	25
Jurisdiction	ALLEGAN MI
Township / Civil Division	TROWBRIDGE
Census Block Group	3
Census Block	3021
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	2 Individual Names on File
Mailing Address	2428 103RD AVE, OTSEGO, MI 49078-9623
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 13, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Jan 7, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Jul 18, 2019	Deed of Trust, Mortgage · VA Mortgage PACOR MORTGAGE CORP
Aug 27, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage COMMUNITY CHOICE CU
Sep 13, 2018	Warranty Deed, Transfer · VA Mortgage PACOR MORTGAGE CORP
Dec 20, 2017	Intrafamily Transfer, Transfer · Conventional Mortgage KELLOGG COMMUNITY CU

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 13, 2018 · Amount on Record
Deed Sale	Sep 13, 2018 · Amount on Record
Prior Sale	Aug 28, 2014 · Amount on Record
Deed Book / Page	4281 / 497
Prior Transfer Date	Dec 12, 2017
Prior Transfer Doc	004206/114
Record Updated	Sep 20, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGAN MI
Property Address	2428 103RD AVE, OTSEGO, MI 49078-9623
Transaction Type	Mortgage
Record Updated	Jun 13, 2022
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004449/591
Date	Apr 13, 2020
Book Page	4449/591

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	353 Months
Due	Sep 1, 2049

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGAN MI
Property Address	2428 103RD AVE, OTSEGO, MI 49078-9623
Transaction Type	Mortgage
Record Updated	Jun 13, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004561/496
Date	Jan 7, 2021
Book Page	4561/496

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2051

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGAN MI
Property Address	2428 103RD AVE, OTSEGO, MI 49078-9623
Transaction Type	Mortgage
Record Updated	Jun 13, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004362/672
Date	Jul 18, 2019
Book Page	4362/672

Lender

Name	PACOR MORTGAGE CORP
Type	Mortgage Company
Address	OAK FOREST, IL 60452

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGAN MI
Property Address	2428 103RD AVE, OTSEGO, MI 49078-9623
Transaction Type	Mortgage
Record Updated	Jun 13, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2428 103RD AVE, OTSEGO, MI 49078-9623

Mortgage

Document Number	004663/884
Date	Aug 27, 2021
Book Page	4663/884

Lender

Name	COMMUNITY CHOICE CU
Type	Credit Union
Address	FARMINGTON, MI 48334

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Aug 30, 2031

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEGAN MI
Recording Date	Sep 13, 2018
Property Address	2428 103RD AVE, OTSEGO, MI 49078-9623
Document Number	004281/497
Book / Page	4281 / 497
Instrument Date	Aug 30, 2018
Transaction Type	Transfer
Record Updated	Jun 13, 2022
Title Company	DEVON TITLE COMPANY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,365.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	248 3RD AVE, 248, OTSEGO, MI 49078

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3417 BRYANS WAY, ALLEGAN, MI 49010-9594

Mortgage

Document Number	0004281499
Date	Sep 13, 2018
Instrument	4281/499

Lender

Name	PACOR MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2048

December 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ALLEGAN MI
Recording Date	Dec 20, 2017
Property Address	2428 103RD AVE, OTSEGO, MI 49078-9623
Document Number	004206/114
Book / Page	4206 / 114
Instrument Date	Dec 12, 2017
Instrument	4206-114
Transaction Type	Transfer
Record Updated	Jun 13, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2428 103RD AVE, 2428, ALLEGAN, MI 49010

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2428 103RD AVE, ALLEGAN, MI 49010

Mortgage

Document Number	0004206117
Date	Dec 20, 2017
Instrument	4206-117

Lender

Name	KELLOGG COMMUNITY CU
Type	Credit Union

Agreement

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

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		$193,000 (+3.21%) Land $16,000 Building $177,000	$386,000 (+3.21%) Land $32,000 Building $354,000
2025	$25.00 (-80.16%) Homeowner's exemption	$187,000 Land $16,900 Building $170,100	$374,000 Land $33,800 Building $340,200
2024	$126.00

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	Indirect within ember reach
Adjoins Burnable Land	Yes

Internet Providers

Source: FCC Broadband Data Collection, based on 12 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
123.Net Fiber	6,000 / 6,000
Mercury Broadband Fiber	5,000 / 5,000

Cell Coverage

5G (outdoors only) and 4G LTE

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