413 E Hammond St, Otsego, MI 49078 Property Records

Allegan County property record for 413 E Hammond St, Otsego, MI 49078

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 935 sqft · built 1910
Lot Size	0.219 acres (9,540 sqft)
Owner	2 Individual Names on Record
Last Sale	$238,000 (Feb 2025)
Tax Bill	$2,916 (2025)
Deeds & Mortgages	Mar 2024 Sale
Flood Zone	Zone X (minimal risk)
APN	`54-453-018-00`

Property Details

APN / Parcel Number

Primary APN	`54-453-018-00`
Alternative APN	`03-54-453-018-00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	935 sqft Living Area
1st Floor Area	935 sqft
Basement Area	935 sqft
Unfinished Basement	935 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Cape Cod
Exterior Material	Wood
Lot Area	9,540 sqft (0.219 acres)
Lot Dimensions	165 ft deep x 92.7 ft wide
Garage Area	240 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	413 E HAMMOND ST
City	OTSEGO
State	MI
Zip	49078-1506
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-B
Legal Description	THAT PT LOT 17 BLOCK C LYING WLY OF CREEK ALSO LOTS 18, 19 & 20 EX THE WLY 94' THEREOF HOMESTEAD ADD SEC 23 T1N R12W (04).
Legal Range	12W
Legal Township	01N
Legal Section	23
Legal Subdivision	THEREOF HOMESTEAD ADD
Legal Block	C
Legal Lot Number	17-20
Jurisdiction	ALLEGAN MI
Township / Civil Division	OTSEGO
Census Block Group	2
Census Block	2014
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	413 E HAMMOND ST, OTSEGO, MI 49078-1506
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 25, 2025 · Amount on Record
Deed Sale	Feb 25, 2025 · Amount on Record
Prior Sale	Feb 25, 2025 · Amount on Record
Deed Document Number	20252637
Deed Book / Page	5013 / 131
Prior Transfer Date	Aug 15, 2013
Prior Transfer Doc	003778/294
Record Updated	Oct 29, 2026

March 2024: Land Contract, Transfer

Document Type	Land Contract
Jurisdiction	ALLEGAN MI
Recording Date	Mar 20, 2024
Property Address	413 E HAMMOND ST, OTSEGO, MI 49078-1506
Document Number	004927/668
Book / Page	4927 / 668
Instrument Date	Mar 20, 2024
Instrument	2024003508
Transaction Type	Transfer
Record Updated	Apr 1, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	242 19TH ST, OTSEGO, MI 49078-9648

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	32345 56TH AVE, PAW PAW, MI 49079-9276

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		$66,100 (+1.38%) Land $13,600 Building $52,500	$132,200 (+1.38%) Land $27,200 Building $105,000
2025	$2,916.00 (+32.24%) Homeowner's exemption	$65,200 (+33.06%) Land $11,500 Building $53,700	$130,400 (+33.06%) Land $23,000 Building $107,400
2024	$2,205.00 (+63.45%)
2023		$49,000 Land $6,400 Building $42,600	$98,000 Land $12,800 Building $85,200
2022	$1,349.00

Assessed value is set for property tax purposes, not a market price estimate; it is 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 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