304 E Hammond St, Otsego, MI 49078 Property Records

Allegan County property record for 304 E Hammond St, Otsego, MI 49078

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 1,638 sqft
Lot Size	0.25 acres (10,890 sqft)
Owner	Individual Name on Record
Last Sale	$111,400 (Oct 2021)
Tax Bill	$4,248 (2025)
Deeds & Mortgages	Oct 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`54-123-001-00`

Property Details

APN / Parcel Number

Primary APN	`54-123-001-00`
Alternative APN	`03-54-123-001-00`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	1,638 sqft Living Area
1st Floor Area	1,194 sqft
Basement Area	444 sqft
Unfinished Basement	444 sqft

Exterior

Exterior Material	Wood
Foundation Type	Raised
Lot Area	10,890 sqft (0.25 acres)
Lot Dimensions	165 ft deep x 66 ft wide
Garage Area	180 sqft
Total Buildings	3 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	304 E HAMMOND ST
City	OTSEGO
State	MI
Zip	49078-1480
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-B
Legal Description	LOT 1 BLOCK 23 O. P. SEC 22 & 23.
Legal Subdivision	ORIGINAL PLAT OF THE VILLAGE OF OTSEGO
Legal Block	23
Legal Lot Number	1
Jurisdiction	ALLEGAN MI
Township / Civil Division	OTSEGO
Census Block Group	2
Census Block	2017
Census Tract	31900

Owner

Source: Allegan County records, as of September 9, 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 Record
Mailing Address	157 W 1ST AVE, PLAINWELL, MI 49080-1294
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 15, 2021 · Amount on Record
Deed Sale	Oct 15, 2021 · Amount on Record
Prior Sale	Sep 27, 2004 · Amount on Record
Deed Document Number	202124899
Deed Book / Page	4683 / 956
Prior Transfer Date	Jun 19, 2018
Prior Transfer Doc	4256000845
Record Updated	Oct 29, 2026

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEGAN MI
Recording Date	Oct 15, 2021
Property Address	304 E HAMMOND ST, OTSEGO, MI 49078-1480
Document Number	004683/956
Book / Page	4683 / 956
Instrument Date	Oct 8, 2021
Transaction Type	Transfer
Record Updated	May 3, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$958.90
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	18495 12 MILE RD # 9, 18495, BATTLE CREEK, MI 49014-8421

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	157 W 1ST AVE, PLAINWELL, MI 49080-1294

Mortgage

Document Number	0004683959
Date	Oct 15, 2021
Instrument	4683/959

Lender

Name	GOLD STAR MORTGAGE FINANCIAL GROUP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

Tax Assessment & Valuation

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		$86,000 (+30.7%) Land $12,900 Building $73,100	$172,000 (+30.7%) Land $25,800 Building $146,200
2025	$4,248.00 (+18.92%)
2023		$65,800 Land $6,100 Building $59,700	$131,600 Land $12,200 Building $119,400
2022	$3,572.00

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	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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