Allegan County property record for 437 E Hammond St, Otsego, MI 49078
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,280 sqft · built 2007 |
| Lot Size | 0.189 acres (8,233 sqft) |
| Owner | Company Name on Record |
| Last Sale | $174,273 (Sep 2026) |
| Tax Bill | $3,099 (2025) |
| Deeds & Mortgages | Sep 2026 Foreclosure Jul 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 54-453-012-10 |
| Primary APN | 54-453-012-10 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,280 sqft Living Area |
| 1st Floor Area | 1,280 sqft |
| Basement Area | 1,280 sqft |
| Unfinished Basement | 1,280 sqft |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2007 |
| Architectural Style | Ranch |
| Exterior Material | Wood Siding |
| Lot Area | 8,233 sqft (0.189 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 | 437 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 12 BLOCK C HOMESTEAD ADDITION |
| Legal Subdivision | BLOCK C HOMESTEAD ADD |
| Legal Block | C |
| Legal Lot Number | 12 |
| Jurisdiction | ALLEGAN MI |
| Township / Civil Division | OTSEGO |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 31900 |
Source: Allegan County records, as of October 5, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | PO BOX 150271, GRAND RAPIDS, MI 49515-0271 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Limited Liability Partnership |
| Date | Document |
|---|---|
| Sep 18, 2026 | Sheriff's Deed, Foreclosure NONE LISTED ON DOCUMENT |
| Jul 11, 2022 | Deed of Trust, Mortgage · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC |
| Jul 27, 2017 | Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 18, 2026 · Amount on Record |
| Deed Sale | Sep 18, 2026 · Amount on Record |
| Prior Sale | Aug 29, 2007 · Amount on Record |
| Deed Document Number | 202615970 |
| Deed Book / Page | 5176 / 783 |
| Prior Transfer Date | Sep 3, 2026 |
| Prior Transfer Doc | 0000015970 |
| Record Updated | Oct 29, 2026 |
| Document Type | Sheriff's Deed |
|---|---|
| Jurisdiction | ALLEGAN MI |
| Recording Date | Sep 18, 2026 |
| Property Address | 437 E HAMMOND ST, OTSEGO, MI 49078-1506 |
| Document Number | 0000015970 |
| Book / Page | 5176 / 783 |
| Instrument Date | Sep 3, 2026 |
| Instrument | 202615970 |
| Transaction Type | Foreclosure |
| Record Updated | Oct 5, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Tax | $151,373.75 |
| Amount Accuracy | Calculated from Transfer Tax |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Limited Liability Partnership |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALLEGAN MI |
| Property Address | 437 E HAMMOND ST, OTSEGO, MI 49078-1506 |
| Transaction Type | Mortgage |
| Record Updated | Jul 20, 2022 |
| Name | Verified Name |
|---|---|
| Address | 437 E HAMMOND ST, OTSEGO, MI 49078-1506 |
| Document Number | 004778/251 |
|---|---|
| Date | Jul 11, 2022 |
| Book Page | 4778/251 |
| Instrument | 2022013755 |
| Name | CARRINGTON MORTGAGE SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | ANAHEIM, CA 92806 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 281 Months |
| Due | Dec 1, 2045 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ALLEGAN MI |
| Recording Date | Jul 27, 2017 |
| Property Address | 437 E HAMMOND ST, OTSEGO, MI 49078-1506 |
| Document Number | 4162/254 |
| Book / Page | 4162 / 254 |
| Instrument Date | Jul 27, 2017 |
| Transaction Type | Transfer |
| Record Updated | Aug 3, 2021 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 437 E HAMMOND ST, OTSEGO, MI 49078-1506 |
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 | $144,200 (-0.76%) Land $9,800 Building $134,400 | $288,400 (-0.76%) Land $19,600 Building $268,800 | |
| 2025 | $3,099.00 (+2.51%) Homeowner's exemption | $145,300 (+31.85%) Land $8,200 Building $137,100 | $290,600 (+31.85%) Land $16,400 Building $274,200 |
| 2024 | $3,023.00 (+16.76%) | ||
| 2023 | $110,200 Land $4,600 Building $105,600 | $220,400 Land $9,200 Building $211,200 | |
| 2022 | $2,589.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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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