3 20th St, Otsego, MI 49078 Property Records

Allegan County property record for 3 20th St, Otsego, MI 49078

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,298 sqft · built 1975
Lot Size	1.01 acres (44,344 sqft)
Owner	Individual Name on File
Last Sale	$200,000 (Aug 2021)
Tax Bill	$3,124 (2025)
Deeds & Mortgages	Dec 2023 Second Mortgage Jan 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`17-032-041-00`

Property Details

APN / Parcel Number

Primary APN	`17-032-041-00`
Alternative APN	`03-17-032-041-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,298 sqft Living Area
1st Floor Area	1,298 sqft
Basement Area	1,298 sqft
Unfinished Basement	1,298 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Architectural Style	Ranch
Exterior Material	Wood Siding
Lot Area	44,344 sqft (1.01 acres)
Lot Dimensions	333 ft deep x 133 ft wide
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3 20TH ST
City	OTSEGO
State	MI
Zip	49078-9646
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG
Legal Description	THE S 132 FT OF THE E 330 FT OF SE 1/4 SEC 32 T1N R12W. TAX MAP: 1.02 AC (74).
Legal Range	12W
Legal Township	01N
Legal Section	32
Jurisdiction	ALLEGAN MI
Township / Civil Division	OTSEGO
Census Block Group	3
Census Block	3030
Census Tract	31800

Owner

3 20th St is owned and occupied by an individual who acquired it in January 2022.

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

Owner of Record	Individual Name on File
Mailing Address	3 20TH ST, OTSEGO, MI 49078-9646
Occupancy	Owner Occupied
Owner Type	Individual

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
Dec 22, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage PENNYMAC LOAN SERVICES LLC
Jan 31, 2022	Quit Claim Deed, Transfer · FHA Mortgage SUCCESS MORTGAGE PARTNERS INC
Aug 5, 2021	Warranty Deed, Transfer · FHA Mortgage SUCCESS MORTGAGE PARTNERS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 5, 2021 · Amount on File
Deed Sale	Aug 5, 2021 · Amount on File
Prior Sale	Mar 24, 2016 · Amount on File
Deed Book / Page	4654 / 852
Last Transfer Date	Jan 12, 2022
Transfer Doc	004725/390
Record Updated	Oct 29, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGAN MI
Property Address	3 20TH ST, OTSEGO, MI 49078-9646
Transaction Type	Mortgage
Record Updated	Jan 8, 2024
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 20TH ST, OTSEGO, MI 49078-9646

Mortgage

Document Number	004910/693
Date	Dec 22, 2023
Book Page	4910/693
Instrument	2023018662

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	338 Months
Due	Feb 1, 2052

January 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ALLEGAN MI
Recording Date	Jan 31, 2022
Property Address	3 20TH ST, OTSEGO, MI 49078-9646
Document Number	004725/390
Book / Page	4725 / 390
Instrument Date	Jan 12, 2022
Instrument	2022002239
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	SERVICELINK

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	485 PARK ST, 485, WAYLAND, MI 49348-1049

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 20TH ST, OTSEGO, MI 49078-9646

Mortgage

Document Number	0004725393
Date	Jan 31, 2022
Instrument	4725/393

Lender

Name	SUCCESS MORTGAGE PARTNERS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEGAN MI
Recording Date	Aug 5, 2021
Property Address	3 20TH ST, OTSEGO, MI 49078-9646
Document Number	004654/852
Book / Page	4654 / 852
Instrument Date	Jul 2, 2021
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	METRO ADVANTAGE TITLE AGENCY LLC, METRO ADVANTAGE TTL AGCY LLC

Transaction

Amount	Amount on Record
Tax	$1,720.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	391 LAKE FOREST BLVD, 391, KALAMAZOO, MI 49006-8312

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 20TH ST, OTSEGO, MI 49078-9646

Mortgage

Document Number	0004654858
Date	Aug 5, 2021
Instrument	4654/858

Lender

Name	SUCCESS MORTGAGE PARTNERS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 3 20th St was $3,124 with a homeowner's exemption.

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		$117,200 Land $10,100 Building $107,100	$234,400 Land $20,200 Building $214,200
2025	$3,124.00
2023		$88,300 Land $9,900 Building $78,400	$176,600 Land $19,800 Building $156,800
2022	$2,569.00

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

FEMA maps place 3 20th St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2018.

Source: FEMA National Flood Hazard Layer, effective June 21, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2018)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2018 · other causes

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 3 20th 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	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 7 locations within half a mile, as of December 31, 2025

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

Cell Coverage

4G LTE (outdoors only), no 5G reported

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