343 E Hammond St, Otsego, MI 49078 Property Records

Allegan County property record for 343 E Hammond St, Otsego, MI 49078

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,788 sqft · built 1900
Lot Size	0.625 acres (27,225 sqft)
Owner	2 Individual Names on Record
Last Sale	$220,000 (Sep 2024)
Tax Bill	$5,996 (2025)
Deeds & Mortgages	Jul 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`54-117-018-00`

Property Details

APN / Parcel Number

Primary APN	`54-117-018-00`
Alternative APN	`03-54-117-018-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,788 sqft Living Area
1st Floor Area	1,500 sqft
Basement Area	1,140 sqft
Unfinished Basement	1,140 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Wood
Foundation Type	No Foundation
Lot Area	27,225 sqft (0.625 acres)
Lot Dimensions	165 ft deep x 165 ft wide
Garage Area	320 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	343 E HAMMOND ST
City	OTSEGO
State	MI
Zip	49078-1413
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-B
Legal Description	E'LY 31' OF LOT 17 BLK 17 ALSO LOTS 18, & 19 BLK 17 O.P. SEC 22 & 23 (2015).
Legal Subdivision	ORIGINAL PLAT OF THE CITY OF OTSEGO
Legal Block	17
Legal Lot Number	17-18
Jurisdiction	ALLEGAN MI
Township / Civil Division	OTSEGO
Census Block Group	2
Census Block	2013
Census Tract	31900

Owner

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	2 Individual Names on Record
Mailing Address	343 E HAMMOND ST, OTSEGO, MI 49078-1413
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 25, 2024 · Amount on Record
Deed Sale	Sep 25, 2024 · Amount on Record
Prior Sale	Jul 17, 2018 · Amount on Record
Deed Document Number	202414246
Deed Book / Page	4976 / 563
Prior Transfer Date	Aug 27, 2010
Prior Transfer Doc	3446/140
Record Updated	Oct 29, 2026

July 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	ALLEGAN MI
Recording Date	Jul 17, 2018
Property Address	343 E HAMMOND ST, OTSEGO, MI 49078-1413
Document Number	004263/712
Book / Page	4263 / 712
Instrument Date	Jul 11, 2018
Transaction Type	Transfer
Record Updated	May 3, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,290.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	343 E HAMMOND ST, 343, OTSEGO, MI 49078-1413

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4670 WIMBLETON WAY, KALAMAZOO, MI 49009-2418

Mortgage

Document Number	0004263715
Date	Jul 17, 2018
Instrument	4263/715

Lender

Name	MORTGAGE CENTER LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2048

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		$138,100 (+2.37%) Land $32,300 Building $105,800	$276,200 (+2.37%) Land $64,600 Building $211,600
2025	$5,996.00 (+45.43%) Homeowner's exemption	$134,900 (+35.44%) Land $27,200 Building $107,700	$269,800 (+35.44%) Land $54,400 Building $215,400
2024	$4,123.00 (+16.8%)
2023		$99,600 Land $15,200 Building $84,400	$199,200 Land $30,400 Building $168,800
2022	$3,530.00

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

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	None beyond ember reach

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	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

Violations Reported to EPA

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.

Internet Providers

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