429 E Hammond St, Otsego, MI 49078 Property Records

Allegan County property record for 429 E Hammond St, Otsego, MI 49078

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,120 sqft · built 1950
Lot Size	0.189 acres (8,233 sqft)
Owner	Individual Name on Record
Last Sale	$135,000 (Nov 2018)
Tax Bill	$2,525 (2025)
Deeds & Mortgages	Nov 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`54-453-013-00`

Property Details

APN / Parcel Number

Primary APN	`54-453-013-00`
Alternative APN	`03-54-453-013-00`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,120 sqft Living Area
1st Floor Area	1,120 sqft
Basement Area	856 sqft
Unfinished Basement	856 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Ranch
Exterior Material	Wood
Foundation Type	No Foundation
Lot Area	8,233 sqft (0.189 acres)
Lot Dimensions	165 ft deep x 50 ft wide
Garage Area	768 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	429 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 13 BLOCK C HOMESTEAD ADDITION.
Legal Subdivision	BLOCK C HOMESTEAD ADD
Legal Block	C
Legal Lot Number	13
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	429 E HAMMOND ST, OTSEGO, MI 49078-1506
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 9, 2018 · Amount on Record
Deed Sale	Nov 9, 2018 · Amount on Record
Prior Sale	Mar 28, 2014 · Amount on Record
Deed Book / Page	4299 / 519
Prior Transfer Date	Apr 5, 2012
Prior Transfer Doc	3607/293
Record Updated	Oct 29, 2026

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEGAN MI
Recording Date	Nov 9, 2018
Property Address	429 E HAMMOND ST, OTSEGO, MI 49078-1506
Document Number	004299/519
Book / Page	4299 / 519
Map Reference	LB2 PG22
Instrument Date	Oct 29, 2018
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	CHICAGO TITLE MERIDIAN, CHICAGO TITLE OF MICHIGAN IN

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,161.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	426 E HAMMOND OTSEGO, 426, OTSEGO, MI 49078

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	625 HIGHPOINT DR # DR-3, DR-3, ALLEGAN, MI 49010-8737

Mortgage

Document Number	0004299522
Date	Nov 9, 2018
Instrument	4299/522

Lender

Name	FIFTH THIRD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2048

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		$79,300 (-0.38%) Land $9,800 Building $69,500	$158,600 (-0.38%) Land $19,600 Building $139,000
2025	$2,525.00 (+2.56%) Homeowner's exemption	$79,600 (+31.57%) Land $8,200 Building $71,400	$159,200 (+31.57%) Land $16,400 Building $142,800
2024	$2,462.00 (+16.74%)
2023		$60,500 Land $4,600 Building $55,900	$121,000 Land $9,200 Building $111,800
2022	$2,109.00

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.

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	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