Allegan County property record for 425 E Hammond St, Otsego, MI 49078
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 992 sqft · built 1900 |
| Lot Size | 0.303 acres (13,199 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $145,000 (Aug 2019) |
| Tax Bill | $2,540 (2025) |
| Deeds & Mortgages | Aug 2019 Mortgage Aug 2019 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 54-453-014-00 |
| Primary APN | 54-453-014-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 992 sqft Living Area |
| 1st Floor Area | 811 sqft |
| Basement Area | 726 sqft |
| Unfinished Basement | 726 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Cape Cod |
| Exterior Material | Stucco |
| Lot Area | 13,199 sqft (0.303 acres) |
| Lot Dimensions | 165 ft deep x 50 ft wide |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 425 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 | LOT 14 & ELY 30' OF LOT 15 BLOCK C HOMESTEAD ADDITION (2000) |
| Legal Subdivision | BLOCK C HOMESTEAD ADD |
| Legal Block | C |
| Legal Lot Number | 14-15 |
| Jurisdiction | ALLEGAN MI |
| Township / Civil Division | OTSEGO |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 31900 |
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 | 425 E HAMMOND ST, OTSEGO, MI 49078-1506 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 20, 2019 | Deed of Trust, Mortgage · Conventional Mortgage LAKE MICHIGAN CU |
| Aug 21, 2019 | Warranty Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 21, 2019 · Amount on Record |
| Deed Sale | Aug 21, 2019 · Amount on Record |
| Prior Sale | Jun 11, 1999 · Amount on Record |
| Deed Book / Page | 4373 / 72 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALLEGAN MI |
| Property Address | 425 E HAMMOND ST, OTSEGO, MI 49078-1506 |
| Transaction Type | Mortgage |
| Record Updated | Jan 19, 2023 |
| Name | Verified Name |
|---|
| Document Number | 004372/637 |
|---|---|
| Date | Aug 20, 2019 |
| Book Page | 4372/637 |
| Name | LAKE MICHIGAN CU |
|---|---|
| Type | Credit Union |
| Address | GRAND RAPIDS, MI 49501 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ALLEGAN MI |
| Recording Date | Aug 21, 2019 |
| Property Address | 425 E HAMMOND ST, OTSEGO, MI 49078-1506 |
| Document Number | 4373/072 |
| Book / Page | 4373 / 072 |
| Map Reference | LB 2 PG 22 |
| Instrument Date | Aug 9, 2019 |
| Transaction Type | Transfer |
| Record Updated | Aug 3, 2021 |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,247.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 425 E HAMMOND ST, 425, OTSEGO, MI 49078-1506 |
| Name | Verified Name |
|---|---|
| Address | 4180 IVY ST, GALESBURG, MI 49053-8752 |
Source: Allegan County assessment roll, as of September 9, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Allegan County |
| Municipality | Otsego City |
| Unified School District | Otsego Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $80,700 (+34.28%) Land $15,700 Building $65,000 | $161,400 (+34.28%) Land $31,400 Building $130,000 | |
| 2025 | $2,540.00 (+19.7%) | ||
| 2023 | $60,100 Land $7,400 Building $52,700 | $120,200 Land $14,800 Building $105,400 | |
| 2022 | $2,122.00 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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.
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.
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 |
| 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.
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 |
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