431 E Morrell St, Otsego, MI 49078 Property Records

Allegan County property record for 431 E Morrell St, Otsego, MI 49078 · Last verified July 2026

Property Highlights

Property Type	Vacant Land > Residential
Lot Size	8,233 sqft (0.189 acres)
Occupancy	Owner Occupied
Tax Bill	$215.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`54-451-013-00`

Exterior

Lot Area	8,233 sqft (0.189 acres)
Depth X Width	165 ft x 50 ft Depth x Width

Location & Zoning

Street Address	431 E MORRELL ST
City	OTSEGO
State	MI
Zip	49078-1335
Property Usage	Residential Property Usage
Type	Vacant Land > Residential
Legal Description	LOT 13 BLOCK A HOMESTEAD ADDITION.
Legal Subdivision	BLOCK A HOMESTEAD ADD
Legal Block	A
Legal Lot Number	13
Jurisdiction	ALLEGAN MI
Minor Civil Division	OTSEGO
Census Blockgroup	2
Census Block	2007
Census Tract	31900

Owner

Source: Allegan County records · APN 54-451-013-00

Assessment roll updated June 25, 2026 · Last verified July 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 File
Mailing Address	427 E MORRELL ST, OTSEGO, MI 49078-1335
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Record Refreshed	Sep 20, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEGAN MI
Recording Date	Aug 04, 2023
Property Address	431 E MORRELL ST, OTSEGO, MI 49078-1335
Document Number	004876/389
Book / Page	4876 / 389
Instrument Date	Jun 23, 2023
Instrument	2023011185
Transaction Type	Transfer
Record Updated	Aug 18, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,473.75
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction Multiple parcels conveyed, unknown impact to APN

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	427 E MORRELL ST, OTSEGO, MI 49078-1335

Mortgage

Document Number	2023011186
Date	Aug 04, 2023
Instrument	2023011186

Lender

Name	ARBOR FINANCIAL CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 01, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.5%
Adjustable	Document includes a rider for adjustable-rate mortgage with a specific rate change date.
Type Change Date	Aug 01, 2030
Change Frequency	6 Months
Min Rate At Change	3.75%
Max Rate At Change	11.5%
Max Rate	11.5%

Tax Assessment & Valuation

Source: Allegan County records · Assessment roll updated June 25, 2026 · Last verified July 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

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$8,500 (+97.67%) Land $8,500	$17,000 (+97.67%) Land $17,000
2025	$215.00 (-17.62%)
2023		$4,300 Land $4,300	$8,600 Land $8,600
2022	$261.00