309 Ely St, Allegan, MI 49010 Property Records

Allegan County property record for 309 Ely St, Allegan, MI 49010

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,397 sqft
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on Record
Last Sale	$151,500 (Sep 2021)
Tax Bill	$2,661 (2025)
Deeds & Mortgages	Sep 2021 Sale & Mortgage Sep 2021 Transfer
Flood Zone	Zone X (minimal risk)
APN	`51-305-076-00`

Property Details

APN / Parcel Number

Primary APN	`51-305-076-00`
Alternative APN	`03-51-305-076-00`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,397 sqft Living Area
1st Floor Area	891 sqft
Basement Area	360 sqft
Unfinished Basement	360 sqft

Exterior

Architectural Style	Custom Design
Exterior Material	Wood
Foundation Type	No Foundation
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	132 ft deep x 66 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	309 ELY ST
City	ALLEGAN
State	MI
Zip	49010-1416
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1 SFR
Legal Description	LOT 584 O. P. SEC 28.
Legal Subdivision	CITY ALLEGAN
Legal Lot Number	584
Jurisdiction	ALLEGAN MI
Township / Civil Division	ALLEGAN
Census Block Group	3
Census Block	3022
Census Tract	31200

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	309 ELY ST, ALLEGAN, MI 49010-1416
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 1, 2021	Warranty Deed, Transfer · Conventional Mortgage HEARTLAND HOME MORTGAGE
Sep 1, 2021	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 1, 2021 · Amount on Record
Deed Sale	Sep 1, 2021 · Amount on Record
Prior Sale	Sep 9, 2009 · Amount on Record
Deed Document Number	202121452
Deed Book / Page	4665 / 966
Prior Transfer Date	Aug 26, 2021
Prior Transfer Doc	4665/964
Record Updated	Oct 29, 2026

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEGAN MI
Recording Date	Sep 1, 2021
Property Address	309 ELY ST, ALLEGAN, MI 49010-1416
Document Number	004665/966
Book / Page	4665 / 966
Map Reference	LB 7 PG 344
Instrument Date	Aug 26, 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	$1,302.90
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	242 CUTLER ST, 242, ALLEGAN, MI 49010-1259

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	627 HIGHPOINT DR, ALLEGAN, MI 49010-8740
Investor	Possibly a Property Investor

Mortgage

Document Number	0004665969
Date	Sep 1, 2021
Instrument	4665/969

Lender

Name	HEARTLAND HOME MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2051

September 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ALLEGAN MI
Recording Date	Sep 1, 2021
Property Address	309 ELY ST, ALLEGAN, MI 49010-1416
Document Number	4665/964
Book / Page	4665 / 964
Map Reference	LB 7 PG 344
Instrument Date	Aug 26, 2021
Transaction Type	Transfer
Record Updated	Sep 28, 2021

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	242 CUTLER ST, 242, ALLEGAN, MI 49010-1259

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	627 HIGHPOINT DR, ALLEGAN, MI 49010-8740
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Allegan County assessment roll, as of September 9, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Allegan County
Municipality	Allegan City
Unified School District	Allegan Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$96,900 (+3.42%) Land $18,200 Building $78,700	$193,800 (+3.42%) Land $36,400 Building $157,400
2025	$2,661.00 (+2.27%) Homeowner's exemption	$93,700 (+31.79%) Land $15,200 Building $78,500	$187,400 (+31.79%) Land $30,400 Building $157,000
2024	$2,602.00 (+9.93%)
2023		$71,100 Land $12,500 Building $58,600	$142,200 Land $25,000 Building $117,200
2022	$2,367.00

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (1978)
Most Recent Claim	Jun 1978 · tidal / storm surge

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

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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ALLEGAN serves 5,930 people · EPA ID MI0000120
Water Source	Groundwater
Last State Inspection	Nov 2025
Lead	2 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control Jul 2021
Monitoring and Reporting	None 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 285 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Mercury Fiber.

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