2461 104th Ave, Otsego, MI 49078 Property Records

Allegan County property record for 2461 104th Ave, Otsego, MI 49078

Property Summary

Property Type	Residential Vacant Land
Details	2 bd · 1.5 ba · 840 sqft · built 1970
Lot Size	20 acres (875,120 sqft)
Owner	2 Individual Names on Record
Last Sale	$190,000 (Jul 2023)
Tax Bill	$2,947 (2025)
Deeds & Mortgages	Jul 2023 Sale & Mortgage Sep 2016 Transfer
Flood Zone	Zone X (minimal risk)
APN	`21-024-009-00`

Property Details

APN / Parcel Number

Primary APN	`21-024-009-00`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	840 sqft Living Area
1st Floor Area	840 sqft

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Architectural Style	Modular
Lot Area	875,120 sqft (20 acres)
Garage Area	336 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	2461 104TH AVE
City	OTSEGO
State	MI
Zip	49078-9620
Property Category	Residential
Property Type	Vacant Land > Residential
Local Zoning Code	AG
Legal Description	E 1/2 SW 1/4 SE 1/4 SEC 24 T1N R13W (75).
Legal Range	13W
Legal Township	01N
Legal Section	24
Jurisdiction	ALLEGAN MI
Township / Civil Division	TROWBRIDGE
Census Block Group	3
Census Block	3001
Census Tract	31101

Owner

Source: Allegan County records, 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 Record
Mailing Address	2460 106TH AVE, OTSEGO, MI 49078-9609
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 10, 2023	Warranty Deed, Transfer · Conventional Mortgage LAKE MICHIGAN CU
Sep 21, 2016	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 10, 2023 · Amount on Record
Deed Sale	Jul 10, 2023 · Amount on Record
Deed Document Number	20239865
Deed Book / Page	4869 / 905
Prior Transfer Date	Sep 1, 2016
Prior Transfer Doc	004068/238
Record Updated	Sep 20, 2026

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEGAN MI
Recording Date	Jul 10, 2023
Property Address	2461 104TH AVE, OTSEGO, MI 49078-9620
Document Number	004869/905
Book / Page	4869 / 905
Instrument Date	Jun 27, 2023
Instrument	2023009865
Transaction Type	Transfer
Record Updated	Jun 25, 2026
Title Company	CHICAGO TITLE MERIDIAN, CHICAGO TITLE OF MI INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,425.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2460 106TH AVE, OTSEGO, MI 49078-9609

Mortgage

Document Number	2023009866
Date	Jul 10, 2023
Instrument	2023009866

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.62%
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 1, 2026
Change Frequency	Annually
Min Rate At Change	4.62%
Max Rate At Change	8.62%
Index	1-Year CMT
Max Rate	11.6%

September 2016: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ALLEGAN MI
Recording Date	Sep 21, 2016
Property Address	2461 104TH AVE, OTSEGO, MI 49078-9620
Document Number	004068/238
Book / Page	4068 / 238
Instrument Date	Sep 1, 2016
Transaction Type	Transfer
Record Updated	Jun 25, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1151 ELLSMERE ST NE, GRAND RAPIDS, MI 49505-3740
Mail Care Of	LESLIE E SHRIVER

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		$67,700 (-12.42%) Land $67,700	$135,400 (-12.42%) Land $135,400
2025	$2,947.00 (+3.95%) Homeowner's exemption	$77,300 (+44.22%) Land $62,600 Building $14,700	$154,600 (+44.22%) Land $125,200 Building $29,400
2024	$2,835.00 (+241.16%)
2023		$53,600 (+5.51%) Land $42,100 Building $11,500	$107,200 (+5.51%) Land $84,200 Building $23,000
2022	$831.00 (+4.4%) Homeowner's exemption	$50,800 Land $40,100 Building $10,700	$101,600 Land $80,200 Building $21,400
2020	$796.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 4 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mercury Fiber Fiber	5,000 / 5,000

Cell Coverage

5G and 4G LTE (outdoors only)

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