405 E Hammond St, Otsego, MI 49078 Property Records

Allegan County property record for 405 E Hammond St, Otsego, MI 49078

Property Summary

Property Type	Manufactured or Modular Home
Details	3 bd · 2 ba · 1,060 sqft · built 2006
Lot Size	0.178 acres (7,754 sqft)
Owner	2 Individual Names on File
Last Sale	$75,000 (Oct 2013)
Tax Bill	$1,782 (2025)
Deeds & Mortgages	Sep 2022 Transfer
Flood Zone	Zone X (minimal risk)
APN	`54-453-019-00`

Property Details

APN / Parcel Number

Primary APN	`54-453-019-00`
Alternative APN	`03-54-453-019-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,060 sqft Living Area
1st Floor Area	1,060 sqft

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Modular
Exterior Material	Wood Siding
Foundation Type	No Foundation
Lot Area	7,754 sqft (0.178 acres)
Lot Dimensions	94 ft deep x 82.5 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	405 E HAMMOND ST
City	OTSEGO
State	MI
Zip	49078-1506
Property Category	Residential
Property Type	Residential > Prefabricated > Manufactured or Modular Home
Local Zoning Code	R-B
Legal Description	BEG AT SW COR OF LOT 20 TH ELY ALG S LN 94' TH NLY AT RT ANGLE 82.5' TH WLY PLL WITH SD S LN 94' TH SLY TO POB PT OF LOTS 19 & 20 HOMESTEAD ADD BLICK C SEC 23 T1N R12W (04).
Legal Range	12W
Legal Township	01N
Legal Section	23
Legal Subdivision	HOMESTEAD ADD
Legal Lot Number	19-20
Jurisdiction	ALLEGAN MI
Township / Civil Division	OTSEGO
Census Block Group	2
Census Block	2014
Census Tract	31900

Owner

405 E Hammond St, a residential property, is owned and occupied by two individuals who acquired it in September 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	405 E HAMMOND ST, OTSEGO, MI 49078-1506
Occupancy	Owner Occupied
Owner Type	Individual

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 24, 2013 · Amount on File
Deed Sale	Oct 24, 2013 · Amount on File
Prior Sale	Aug 30, 2006 · Amount on File
Deed Book / Page	3787 / 985
Last Transfer Date	Sep 8, 2022
Transfer Doc	004801/446
Record Updated	Oct 29, 2026

September 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ALLEGAN MI
Recording Date	Sep 26, 2022
Property Address	405 E HAMMOND ST, OTSEGO, MI 49078-1506
Document Number	004801/446
Book / Page	4801 / 446
Instrument Date	Sep 8, 2022
Instrument	2022018642
Transaction Type	Transfer
Record Updated	Oct 4, 2022

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
Relationship	Joint Tenants with Right of Survivorship
Address	405 E HAMMOND ST, OTSEGO, MI 49078-1506

Tax Assessment & Valuation

The 2025 property tax bill for 405 E Hammond St was $1,782 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		$81,300 Land $12,200 Building $69,100	$162,600 Land $24,400 Building $138,200
2025	$1,782.00
2023		$64,300 Land $5,700 Building $58,600	$128,600 Land $11,400 Building $117,200
2022	$1,488.00

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

Flood

FEMA maps place 405 E Hammond 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

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

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 405 E Hammond 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