412 E Hammond St, Otsego, MI 49078 Property Records

Allegan County property record for 412 E Hammond St, Otsego, MI 49078

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 768 sqft
Lot Size	0.515 acres (22,433 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,506 (2025)
Flood Zone	Zone X (minimal risk)
APN	`54-123-014-00`

Property Details

APN / Parcel Number

Primary APN	`54-123-014-00`
Alternative APN	`03-54-123-014-00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	768 sqft Living Area
1st Floor Area	768 sqft

Exterior

Architectural Style	Ranch
Exterior Material	Stucco
Lot Area	22,433 sqft (0.515 acres)
Lot Dimensions	340 ft deep x 66 ft wide
Garage Area	331 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	412 E HAMMOND ST
City	OTSEGO
State	MI
Zip	49078-1507
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-B
Legal Description	PT OF LOTS 2, 3, 12, 13 & 14 BLK. 24 COM AT A PT ON THE 1/4 LIN RNG N & S THRU SEC 23 WHERE THE S LIN OF HAMMOND ST INT. SD 1/4 LIN TH W'LY 66 FT ALG THE S SIDE OF HAMMOND ST TH S PPL WITH SD 1/4 LIN 330 FT TH E'LY PPL WITH HAMMOND ST 66 FT TH N ON S
Legal Block	24
Jurisdiction	ALLEGAN MI
Township / Civil Division	OTSEGO
Census Block Group	2
Census Block	2016
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	412 E HAMMOND ST, OTSEGO, MI 49078-1507
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

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		$51,900 (+52.65%) Land $18,500 Building $33,400	$103,800 (+52.65%) Land $37,000 Building $66,800
2025	$1,506.00 (+19.71%)
2023		$34,000 Land $8,700 Building $25,300	$68,000 Land $17,400 Building $50,600
2022	$1,258.00

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 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

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