415 Clyde St, Otsego, MI 49078 Property Records

Allegan County property record for 415 Clyde St, Otsego, MI 49078

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,573 sqft
Lot Size	1.42 acres (61,986 sqft)
Owner	2 Individual Names on Record
Last Sale	$45,000 (Aug 1994)
Tax Bill	$2,012 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Jan 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`54-015-007-00`

Property Details

APN / Parcel Number

Primary APN	`54-015-007-00`
Alternative APN	`03-54-015-007-00`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	1,573 sqft Living Area
1st Floor Area	1,027 sqft
Basement Area	546 sqft
Unfinished Basement	546 sqft

Exterior

Exterior Material	Wood
Foundation Type	No Foundation
Lot Area	61,986 sqft (1.42 acres)
Garage Area	1,320 sqft
Parking Spaces	5 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	415 CLYDE ST
City	OTSEGO
State	MI
Zip	49078-1030
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-B
Legal Description	COM AT SE COR LOT 15 TOWNSEND'S ADDITION ON N LIN OF RIVER ST TH S 80 DEG 2' E ALG NLY LIN SD ST 105.40' TH N 150' TH S 87 DEG 57' E 72.08' TH N TO SWLY LIN OF NYC RR TH NWLY ALG SD RR 262' TO NE COR LOT 25 OF TOWNSEND'S ADDITION TH S 542.5' TO POB A
Legal Range	12W
Legal Township	01N
Legal Section	15
Legal Subdivision	TOWNSENDS ADD
Legal Lot Number	15,25
Jurisdiction	ALLEGAN MI
Township / Civil Division	OTSEGO
Census Block Group	2
Census Block	2006
Census Tract	31800

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	415 CLYDE ST, OTSEGO, MI 49078-1030
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 22, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Jan 12, 2021	Deed of Trust, Mortgage · FHA Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 3, 1994 · Amount on Record
Deed Sale	Aug 3, 1994 · Amount on Record
Deed Book / Page	1525 / 14
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGAN MI
Recording Date	Jun 22, 2026
Property Address	415 CLYDE ST, OTSEGO, MI 49078-1030
Document Number	0000010373
Book / Page	5148 / 682
Instrument Date	Jun 16, 2026
Instrument	202610373
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	415 CLYDE ST, OTSEGO, MI 49078-1030

Mortgage

Document Number	0000010373,
Date	Jun 22, 2026
Book Page	5148/682
Instrument	202610373

Lender

Name	ROCKET MORTGAGE LLC

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	6.51%
Initial Type	Fixed Rate
Max Rate	-1%

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGAN MI
Property Address	415 CLYDE ST, OTSEGO, MI 49078-1030
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN NCS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	4563/63
Date	Jan 12, 2021
Book Page	4563/63

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	DES MOINES, IA 50328

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	272 Months
Due	Sep 1, 2043

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		$99,200 (+23.38%) Land $12,300 Building $86,900	$198,400 (+23.38%) Land $24,600 Building $173,800
2025	$2,012.00 (+19.34%)
2023		$80,400 Land $11,100 Building $69,300	$160,800 Land $22,200 Building $138,600
2022	$1,686.00

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 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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 61 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: 123.NET, Mercury Fiber, Surf Internet.

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