Allegan County property record for 338 E Hammond St, Otsego, MI 49078
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 1,644 sqft · built 1963 |
| Lot Size | 0.5 acres (21,780 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $156,900 (Feb 2005) |
| Tax Bill | $3,335 (2025) |
| Deeds & Mortgages | Dec 2025 Line of Credit Sep 2019 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 54-123-009-00 |
| Primary APN | 54-123-009-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 1,644 sqft Living Area |
| 1st Floor Area | 1,344 sqft |
| Basement Area | 1,200 sqft |
| Unfinished Basement | 1,200 sqft |
| Year Built | Built 1963 |
|---|---|
| Effective Year Built | Effective 1963 |
| Architectural Style | Cape Cod |
| Exterior Material | Stucco |
| Foundation Type | Raised |
| Lot Area | 21,780 sqft (0.5 acres) |
| Lot Dimensions | 165 ft deep x 132 ft wide |
| Garage Area | 1,102 sqft |
| Parking Spaces | 4 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 338 E HAMMOND ST |
|---|---|
| City | OTSEGO |
| State | MI |
| Zip | 49078-1434 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-B |
| Legal Description | LOT 9 & 10 BLOCK 23 O.P. SEC 22 & 23 |
| Legal Subdivision | ORIGINAL PLAT OF THE CITY OF OTSEGO |
| Legal Block | 23 |
| Legal Lot Number | 9-10 |
| Jurisdiction | ALLEGAN MI |
| Township / Civil Division | OTSEGO |
| Census Block Group | 2 |
| Census Block | 2017 |
| Census Tract | 31900 |
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 | 338 E HAMMOND ST, OTSEGO, MI 49078-1434 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 11, 2025 | Deed of Trust, Mortgage · Line of Credit HOMEBRIDGE FINANCIAL SERVICES INC |
| Sep 3, 2019 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 25, 2005 · Amount on Record |
| Deed Sale | Feb 25, 2005 · Amount on Record |
| Prior Sale | Nov 15, 2000 |
| Deed Book / Page | 2799 / 888 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALLEGAN MI |
| Property Address | 338 E HAMMOND ST, OTSEGO, MI 49078-1434 |
| Transaction Type | Mortgage |
| Record Updated | Dec 24, 2025 |
| Name | Verified Name |
|---|---|
| Address | 338 E HAMMOND ST, OTSEGO, MI 49078-1434 |
| Document Number | 005095/126 |
|---|---|
| Date | Dec 11, 2025 |
| Book Page | 5095/126 |
| Instrument | 2025019980 |
| Name | HOMEBRIDGE FINANCIAL SERVICES INC |
|---|---|
| Type | Mortgage Company |
| Address | FLINT, MI 48501 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 358 Months |
| Due | Oct 14, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALLEGAN MI |
| Property Address | 338 E HAMMOND ST, OTSEGO, MI 49078-1434 |
| Transaction Type | Mortgage |
| Record Updated | Dec 13, 2021 |
| Name | Verified Name |
|---|
| Document Number | 4377/091 |
|---|---|
| Date | Sep 3, 2019 |
| Book Page | 4377/091 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | OTSEGO, MI 49078 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
Source: Allegan County assessment roll, as of September 9, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Allegan County |
| Municipality | Otsego City |
| Unified School District | Otsego Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $150,000 (+33.33%) Land $25,800 Building $124,200 | $300,000 (+33.33%) Land $51,600 Building $248,400 | |
| 2025 | $3,335.00 (+19.49%) | ||
| 2023 | $112,500 Land $12,200 Building $100,300 | $225,000 Land $24,400 Building $200,600 | |
| 2022 | $2,791.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 283 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 |
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