321 15th St, Otsego, MI 49078 Property Records

Allegan County property record for 321 15th St, Otsego, MI 49078

Property Summary

Property Type	Manufactured or Modular Home
Details	3 bd · 2 ba · 1,134 sqft · built 1988
Lot Size	0.502 acres (21,867 sqft)
Owner	Trust Name on File
Tax Bill	$1,334 (2024)
Deeds & Mortgages	Jan 2025 Sale Oct 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-17-360-003-01`

Property Details

APN / Parcel Number

Primary APN	`03-17-360-003-01`
Alternative APNs	`17-360-003-01` `17-360-003-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,134 sqft Living Area
1st Floor Area	1,134 sqft

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Modular
Foundation Type	No Foundation
Lot Area	21,867 sqft (0.502 acres)
Lot Dimensions	265 ft deep x 82.5 ft wide

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	321 15TH ST
City	OTSEGO
State	MI
Zip	49078-9642
Property Category	Residential
Property Type	Residential > Prefabricated > Manufactured or Modular Home
Legal Description	W 265' LOT 3 KITSMILLER ACRES SEC 26 T1N R12W SKETCH: 0.5 AC (2026). SPLIT/COMBINED ON 09/16/2025 FROM 17-360-003-00, 17-360-004-00;
Legal Range	12W
Legal Township	01N
Legal Section	26
Legal Subdivision	KITSMILLER ACRES
Legal Lot Number	3
Jurisdiction	ALLEGAN MI
Township / Civil Division	OTSEGO
Census Block Group	3
Census Block	3028
Census Tract	31900

Owner

321 15th St, a residential property, is held in a trust since September 2025.

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

Owner of Record	Trust Name on File
Mailing Address	327 15TH ST, OTSEGO, MI 49078-9642
Owner Type	Company
Vesting	Trust, Revocable Trust

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
Jan 22, 2025	Personal Representative Deed, Transfer
Oct 16, 2019	Intrafamily Transfer, Transfer · Conventional Mortgage FIFTH THIRD BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Sep 15, 2025
Transfer Doc	0000014641
Record Updated	Oct 29, 2026

January 2025: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	ALLEGAN MI
Recording Date	Jan 22, 2025
Property Address	321 15TH ST, OTSEGO, MI 49078-9642
Document Number	005006/581
Book / Page	5006 / 581
Map Reference	LB 10 PG 40
Instrument Date	Jan 15, 2025
Instrument	2025001139
Transaction Type	Transfer
Record Updated	Jun 25, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	321 15TH ST, OTSEGO, MI 49078-9642

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	321-15TH STREET, OTSEGO, MI 49078-9642

October 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ALLEGAN MI
Recording Date	Oct 16, 2019
Property Address	321 15TH ST, OTSEGO, MI 49078-9642
Document Number	004392/283
Book / Page	4392 / 283
Map Reference	LB 10 PG 40
Instrument Date	Sep 18, 2019
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	321 15TH ST, OTSEGO, MI 49078-9642

Mortgage

Document Number	0004392286
Date	Oct 16, 2019
Instrument	4392/286

Lender

Name	FIFTH THIRD BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2049

Tax Assessment & Valuation

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		$75,700 (+11.16%) Land $6,800 Building $68,900	$151,400 (+11.16%) Land $13,600 Building $137,800
2025	Homeowner's exemption	$68,100 Land $6,800 Building $61,300	$136,200 Land $13,600 Building $122,600
2024	$1,334.00
2023		$55,900 Land $5,800 Building $50,100	$111,800 Land $11,600 Building $100,200
2022	$1,130.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 321 15th St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	7 in force

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 321 15th 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 59 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: 123.NET, Mercury Fiber, Surf Internet.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on 15th St

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