403 E Orleans St, Otsego, MI 49078 Property Records

Allegan County property record for 403 E Orleans St, Otsego, MI 49078

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,298 sqft
Lot Size	0.256 acres (11,151 sqft)
Owner	Individual Name on File
Last Sale	$190,000 (Jul 2026)
Tax Bill	$4,552 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Nov 2023 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`54-023-021-00`

Property Details

APN / Parcel Number

Primary APN	`54-023-021-00`
Alternative APN	`03-54-023-021-00`

Interior

Full Baths	1 Bath
Stories	2 Stories
Building Area	1,298 sqft Living Area
1st Floor Area	1,010 sqft
Basement Area	608 sqft
Unfinished Basement	608 sqft

Exterior

Exterior Material	Stucco
Foundation Type	No Foundation
Lot Area	11,151 sqft (0.256 acres)
Lot Dimensions	155 ft deep x 72 ft wide
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	403 E ORLEANS ST
City	OTSEGO
State	MI
Zip	49078-1130
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-B
Legal Description	COM AT SE COR LOT 20 BLOCK 5 O. P. TH S 75 DEG 40 MIN E 132 FT TH N 14 DEG 20 MIN E 165 FT TH N 75 DEG 40 MIN W 132 FT TH S 14 DEG 20 MIN W 165 FT TO BEG EX N'LY 10 FT ALSO EX THE E'LY 60' SEC 23 T1N R12W (90)
Legal Range	12W
Legal Township	01N
Legal Section	23
Legal Block	5
Legal Lot Number	20
Jurisdiction	ALLEGAN MI
Township / Civil Division	OTSEGO
Census Block Group	2
Census Block	2000
Census Tract	31900

Owner

403 E Orleans St is owned and occupied by an individual who bought it in July 2026.

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

Owner of Record	Individual Name on File
Mailing Address	403 E ORLEANS ST, OTSEGO, MI 49078-1130
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Woman

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
Jul 14, 2026	Warranty Deed, Transfer · Conventional Mortgage ARBOR FINANCIAL CREDIT UNION
Nov 9, 2023	Deed, Transfer
Jun 9, 2023	Deed of Trust, Mortgage MIDFIRST BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 14, 2026 · Amount on File
Deed Sale	Jul 14, 2026 · Amount on File
Prior Sale	Nov 9, 2023 · Amount on File
Deed Document Number	202611817
Deed Book / Page	5156 / 40
Prior Transfer Date	May 18, 2023
Prior Transfer Doc	004863/211
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEGAN MI
Recording Date	Jul 14, 2026
Property Address	403 E ORLEANS ST, OTSEGO, MI 49078-1130
Document Number	0000011817
Book / Page	5156 / 40
Instrument Date	Jun 30, 2026
Instrument	202611817
Transaction Type	Transfer
Record Updated	Jul 30, 2026
Title Company	LIGHTHOUSE TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$165,034.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	403 E ORLEANS ST, OTSEGO, MI 49078-1130

Mortgage

Document Number	0000011818,
Date	Jul 14, 2026
Book Page	5156/43
Instrument	202611818

Lender

Name	ARBOR FINANCIAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.53%
Initial Type	Fixed Rate
Max Rate	-1%

November 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	ALLEGAN MI
Recording Date	Nov 9, 2023
Property Address	403 E ORLEANS ST, OTSEGO, MI 49078-1130
Document Number	004901/279
Book / Page	4901 / 279
Instrument Date	Nov 1, 2023
Instrument	2023016545
Transaction Type	Transfer
Record Updated	Nov 22, 2023

Transaction

Amount	Amount on Record
Tax	$960.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	999 NW GRAND BLVD, OKLAHOMA CITY, OK 73118-6051

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	865 11TH ST, PLAINWELL, MI 49080-9521

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGAN MI
Property Address	403 E ORLEANS ST, OTSEGO, MI 49078-1130
Transaction Type	Mortgage
Record Updated	Jun 30, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004863/211
Date	Jun 9, 2023
Book Page	4863/211
Instrument	2023008473

Lender

Name	MIDFIRST BANK
Type	Bank
Address	OKLAHOMA CITY, OK 73118

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 403 E Orleans St was $4,552 with a homeowner's exemption.

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		$92,200 Land $12,100 Building $80,100	$184,400 Land $24,200 Building $160,200
2025	$4,552.00
2023		$74,100 Land $6,100 Building $68,000	$148,200 Land $12,200 Building $136,000
2022	$1,794.00

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 403 E Orleans St in Zone X, an area of minimal flood risk.

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

FEMA Flood Zone	Zone X minimal risk
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 403 E Orleans 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	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

Cell Coverage

5G (outdoors only) and 4G LTE

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