329 Watson Rd, Otsego, MI 49078 Property Records

Allegan County property record for 329 Watson Rd, Otsego, MI 49078

Property Summary

Property Type	Manufactured or Modular Home
Details	3 bd · 2 ba · 1,188 sqft · built 2006
Lot Size	0.9 acres (39,204 sqft)
Owner	Individual Name on Record
Last Sale	$17,375 (Dec 2025)
Tax Bill	$4,229 (2025)
Deeds & Mortgages	Oct 2017 Line of Credit Mar 2017 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`54-015-002-00`

Property Details

APN / Parcel Number

Primary APN	`54-015-002-00`
Alternative APN	`03-54-015-002-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,188 sqft Living Area
1st Floor Area	1,188 sqft
Basement Area	1,188 sqft
Unfinished Basement	1,188 sqft

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Modular
Exterior Material	Stucco
Lot Area	39,204 sqft (0.9 acres)
Lot Dimensions	198 ft deep x 198 ft wide
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	329 WATSON RD
City	OTSEGO
State	MI
Zip	49078-9717
Property Category	Residential
Property Type	Residential > Prefabricated > Manufactured or Modular Home
Local Zoning Code	R-B
Legal Description	COM AT PT WHERE NLY LINE RR INTERSECTS N & S LINE BETWEEN SEC 14 & 15 TH N ON SEC LINE IN CTR HWY 20 RDS FOR POB TH N ALG HWY 12 RDS TH WLY ABT 12 RD TO NLY LIN GRAVEL PIT TH SE'LY ALG E LIN OF GRAVEL PIT ABT 214.5' TO PT WHICH IS DIR. W OF POB TH E
Legal Range	12W
Legal Township	01N
Legal Section	15
Jurisdiction	ALLEGAN MI
Township / Civil Division	OTSEGO
Census Block Group	2
Census Block	2006
Census Tract	31800

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	Individual Name on Record
Mailing Address	329 WATSON RD, OTSEGO, MI 49078-9717
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Man

Deeds, Mortgages & Sale History

Date	Document
Oct 18, 2017	Deed of Trust, Mortgage · Line of Credit HONOR CU
Mar 24, 2017	Deed of Trust, Mortgage · Conventional Mortgage LAKE MICHIGAN CU
Jul 2, 2019	Deed of Trust, Mortgage FIFTH THIRD BANK
Dec 17, 2025	Quit Claim Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC
Sep 17, 2020	Warranty Deed, Transfer · FHA Mortgage NORTHERN MORTGAGE SERVICES LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 17, 2025 · Amount on Record
Deed Sale	Dec 17, 2025 · Amount on Record
Prior Sale	Sep 17, 2020 · Amount on Record
Deed Document Number	202520311
Deed Book / Page	5097 / 70
Prior Transfer Date	Oct 20, 2025
Prior Transfer Doc	0005097/70
Record Updated	Oct 29, 2026

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGAN MI
Property Address	329 WATSON RD, OTSEGO, MI 49078-9717
Transaction Type	Mortgage
Record Updated	Dec 30, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004187/318
Date	Oct 18, 2017
Book Page	4187/318
Instrument	4187-318

Lender

Name	HONOR CU
Type	Credit Union
Address	BERRIEN SPRINGS, MI 49103

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	239 Months
Due	Sep 28, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGAN MI
Property Address	329 WATSON RD, OTSEGO, MI 49078-9717
Transaction Type	Mortgage
Record Updated	Dec 30, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004124/093
Date	Mar 24, 2017
Book Page	4124/093

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union
Address	GRAND RAPIDS, MI 49501

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2047

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGAN MI
Property Address	329 WATSON RD, OTSEGO, MI 49078-9717
Transaction Type	Mortgage
Record Updated	Dec 30, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004358/404
Date	Jul 2, 2019
Book Page	4358/404

Lender

Name	FIFTH THIRD BANK
Type	Bank
Address	GRAND RAPIDS, MI 49546

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2049

December 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ALLEGAN MI
Recording Date	Dec 17, 2025
Property Address	329 WATSON RD, OTSEGO, MI 49078-9717
Document Number	0005097/70
Book / Page	5097 / 70
Instrument Date	Oct 20, 2025
Instrument	2025020311
Transaction Type	Transfer
Record Updated	Dec 30, 2025
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name
Address	329 WATSON RD, OTSEGO, MI 49078-9717

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	329 WATSON RD, OTSEGO, MI 49078-9717

Mortgage

Document Number	0000509773
Date	Dec 17, 2025
Instrument	5097/73

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	239 Months
Due	Nov 1, 2045

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEGAN MI
Recording Date	Sep 17, 2020
Property Address	329 WATSON RD, OTSEGO, MI 49078-9717
Document Number	004511/377
Book / Page	4511 / 377
Instrument Date	Sep 11, 2020
Transaction Type	Transfer
Record Updated	May 3, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,780.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	329 WATSON RD, 329, OTSEGO, MI 49078-9717

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	329 WATSON RD, OTSEGO, MI 49078-9717

Mortgage

Document Number	0004511380
Date	Sep 17, 2020
Instrument	4511/380

Lender

Name	NORTHERN MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

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		$125,900 (+0.72%) Land $27,300 Building $98,600	$251,800 (+0.72%) Land $54,600 Building $197,200
2025	$4,229.00 (+2.32%) Homeowner's exemption	$125,000 (+12.41%) Land $24,300 Building $100,700	$250,000 (+12.41%) Land $48,600 Building $201,400
2024	$4,133.00 (+16.82%)
2023		$111,200 Land $13,800 Building $97,400	$222,400 Land $27,600 Building $194,800
2022	$3,538.00

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
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

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 61 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
T-Mobile Fixed Wireless	100 / 20

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

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