421 E Hammond St, Otsego, MI 49078 Property Records

Allegan County property record for 421 E Hammond St, Otsego, MI 49078

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,272 sqft · built 1880
Lot Size	0.186 acres (8,102 sqft)
Owner	Individual Name on Record
Last Sale	$104,000 (Dec 2018)
Tax Bill	$2,538 (2025)
Deeds & Mortgages	May 2022 Mortgage Dec 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`54-453-016-00`

Property Details

APN / Parcel Number

Primary APN	`54-453-016-00`
Alternative APN	`03-54-453-016-00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	1,272 sqft Living Area
1st Floor Area	948 sqft
Basement Area	432 sqft
Unfinished Basement	432 sqft

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Exterior Material	Wood
Foundation Type	Raised
Lot Area	8,102 sqft (0.186 acres)
Lot Dimensions	108 ft deep x 75 ft wide
Garage Area	494 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	421 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	SLY 108 FT OF WLY 20 FT OF LOT 15 ALSO SLY 108 FT OF LOT 16 ALSO SLY 108 FT OF ELY 4 1/2 FT OF LOT 17 BLOCK C HOMESTEAD ADDITION.
Legal Subdivision	BLOCK C HOMESTEAD ADD
Legal Block	C
Legal Lot Number	15-17
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	Individual Name on Record
Mailing Address	421 E HAMMOND ST, OTSEGO, MI 49078-1506
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 24, 2022	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Dec 18, 2018	Warranty Deed, Transfer · Conventional Mortgage TEAM MORTGAGE COMPANY LLC
Jun 21, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 18, 2018 · Amount on Record
Deed Sale	Dec 18, 2018 · Amount on Record
Prior Sale	Jun 21, 2018 · Amount on Record
Deed Book / Page	4309 / 172
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGAN MI
Property Address	421 E HAMMOND ST, OTSEGO, MI 49078-1506
Transaction Type	Mortgage
Record Updated	Jun 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	421 EAST HAMIVIOND STREET, OTSEGO, MI 49078

Mortgage

Document Number	004763/483
Date	May 24, 2022
Book Page	4763/483
Instrument	2022010646

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	480 Months
Due	May 1, 2062

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEGAN MI
Recording Date	Dec 18, 2018
Property Address	421 E HAMMOND ST, OTSEGO, MI 49078-1506
Document Number	4309/172
Book / Page	4309 / 172
Map Reference	LB2 PG22
Instrument Date	Dec 11, 2018
Transaction Type	Transfer
Record Updated	Aug 3, 2021
Title Company	PARKS TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$894.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 185, PLAINWELL, MI 49080-0185

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2710 W AB AVE, PLAINWELL, MI 49080-9641

Mortgage

Document Number	004308/554
Date	Dec 14, 2018
Book Page	4308/554

Lender

Name	TEAM MORTGAGE COMPANY LLC
Type	Mortgage Company
Address	GRAND RAPIDS, MI 49546

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2049

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEGAN MI
Recording Date	Jun 21, 2018
Property Address	421 E HAMMOND ST, OTSEGO, MI 49078-1506
Document Number	4256/464
Book / Page	4256 / 464
Map Reference	LB2 PG22
Instrument Date	Jun 12, 2018
Transaction Type	Transfer
Record Updated	Aug 3, 2021

Transaction

Amount	Amount Recorded
Tax	$516.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8925 DOUGLAS AVE, 8925, KALAMAZOO, MI 49009-5205

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 185, PLAINWELL, MI 49080-0185

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		$81,500 (+30.82%) Land $11,900 Building $69,600	$163,000 (+30.82%) Land $23,800 Building $139,200
2025	$2,538.00 (+19.72%)
2023		$62,300 Land $5,600 Building $56,700	$124,600 Land $11,200 Building $113,400
2022	$2,120.00

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

421 E Hammond St, Otsego, MI 49078 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

May 2022: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

December 2018: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

June 2018: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

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Nearby Streets

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