320 19th St, Otsego, MI 49078 Property Records

Allegan County property record for 320 19th St, Otsego, MI 49078

Property Summary

Property Type	Manufactured or Modular Home
Details	4 bd · 2 ba · 1,976 sqft · built 1995
Lot Size	6.15 acres (268,025 sqft)
Owner	Individual Name on File
Last Sale	$235,000 (Feb 2022)
Tax Bill	$2,226 (2025)
Deeds & Mortgages	Feb 2022 Sale & Mortgage Jan 2020 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`17-028-022-00`

Property Details

APN / Parcel Number

Primary APN	`17-028-022-00`
Alternative APN	`03-17-028-022-00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,976 sqft Living Area
1st Floor Area	1,976 sqft

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Modular
Exterior Material	Wood Siding
Lot Area	268,025 sqft (6.15 acres)
Lot Dimensions	661 ft deep x 405 ft wide
Garage Area	864 sqft
Parking Spaces	3 Parking Spaces
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	320 19TH ST
City	OTSEGO
State	MI
Zip	49078-9649
Property Category	Residential
Property Type	Residential > Prefabricated > Manufactured or Modular Home
Local Zoning Code	AG
Legal Description	COMM AT THE N 1/4 COR OF SEC 28,T1N, R12W, TH S 1-26-27 E ALG THE N/S 1/4 LN OF SEC 28 1906.50'; TH S 89-27-41 W 667.02' TO THE POB; TH S 1-26-33 E 407.99; TH N 89-55-47 W 660'; TH N 1-26-33 W 400.98'; TH N 89-27-41 E 659.85' TO THE POB
Legal Range	50
Legal Township	190
Legal Section	28
Jurisdiction	ALLEGAN MI
Township / Civil Division	OTSEGO
Census Block Group	1
Census Block	1024
Census Tract	31800

Owner

320 19th St, a residential property, is owned and occupied by an individual who bought it in February 2022.

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

Owner of Record	Individual Name on File
Mailing Address	320 19TH ST, OTSEGO, MI 49078-9649
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
Feb 18, 2022	Warranty Deed, Transfer · Conventional Mortgage NEIGHBORHOOD LOANS
Jan 24, 2020	Warranty Deed, Transfer
Dec 26, 2019	Warranty Deed, Transfer
Feb 28, 2017	Land Contract, Transfer · Seller Carry-Back JAMES MCEWEN

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 18, 2022 · Amount on File
Deed Sale	Feb 18, 2022 · Amount on File
Prior Sale	Dec 26, 2019 · Amount on File
Deed Document Number	20223538
Deed Book / Page	4731 / 646
Prior Transfer Date	Jan 19, 2007
Prior Transfer Doc	003082/417
Record Updated	Oct 29, 2026

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEGAN MI
Recording Date	Feb 18, 2022
Property Address	320 19TH ST, OTSEGO, MI 49078-9649
Document Number	004731/646
Book / Page	4731 / 646
Instrument Date	Jan 14, 2022
Instrument	2022003538
Transaction Type	Transfer
Record Updated	May 1, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,762.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2954 HUNTERS MDWS, KALAMAZOO, MI 49048-6126

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7341 PACER PL SE, CALEDONIA, MI 49316-8122

Mortgage

Document Number	0004731649
Date	Feb 18, 2022
Instrument	4731/649

Lender

Name	NEIGHBORHOOD LOANS
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2052

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEGAN MI
Recording Date	Jan 24, 2020
Property Address	320 19TH ST, OTSEGO, MI 49078-9649
Document Number	004425/414
Book / Page	4425 / 414
Instrument Date	Jan 16, 2020
Transaction Type	Transfer
Record Updated	May 1, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	320 19TH ST, OTSEGO, MI 49078-9649

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2954 HUNTERS MEADOW, KALAMAZOO, MI 49048-6126

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEGAN MI
Recording Date	Dec 26, 2019
Property Address	320 19TH ST, OTSEGO, MI 49078-9649
Document Number	004415/942
Book / Page	4415 / 942
Instrument Date	Dec 16, 2019
Transaction Type	Transfer
Record Updated	May 1, 2023

Transaction

Amount	Amount on Record
Tax	$258.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2007 102ND AVE, OTSEGO, MI 49078-9629

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 19TH ST, OTSEGO, MI 49078-9649

February 2017: Land Contract, Transfer

Document Type	Land Contract
Jurisdiction	ALLEGAN MI
Recording Date	Feb 28, 2017
Property Address	320 19TH ST, OTSEGO, MI 49078-9649
Document Number	004117/672
Book / Page	4117 / 672
Instrument Date	Sep 7, 2016
Transaction Type	Transfer
Record Updated	May 1, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2007 102ND AVE, OTSEGO, MI 49078-9629

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 19TH ST, OTSEGO, MI 49078-9649

Mortgage

Date	Feb 28, 2017

Lender

Name	JAMES MCEWEN
Type	Seller

Agreement

Type	Seller Carry-Back
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 320 19th St was $2,226 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		$137,100 Land $23,900 Building $113,200	$274,200 Land $47,800 Building $226,400
2025	$2,226.00
2023		$62,600 Land $20,600 Building $42,000	$125,200 Land $41,200 Building $84,000
2022	$2,016.00

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 320 19th St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective June 21, 2023

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

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 320 19th 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 20 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
123.NET Fiber	6,000 / 6,000
Starlink Satellite	280 / 30

May also be available: Mercury Fiber, Spectrum.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on 19th St

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