Allegan County property record for 446 18th St, Otsego, MI 49078
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 910 sqft · built 1962 |
| Lot Size | 1.31 acres (57,412 sqft) |
| Owner | Individual Name on File |
| Last Sale | $230,000 (Sep 2023) |
| Tax Bill | $3,357 (2025) |
| Deeds & Mortgages | Sep 2023 Sale & Mortgage Nov 2022 Sale & Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 17-021-087-00 |
| Primary APN | 17-021-087-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 910 sqft Living Area |
| 1st Floor Area | 910 sqft |
| Basement Area | 910 sqft |
| Unfinished Basement | 910 sqft |
| Year Built | Built 1962 |
|---|---|
| Effective Year Built | Effective 1962 |
| Architectural Style | Ranch |
| Exterior Material | Shingles |
| Lot Area | 57,412 sqft (1.31 acres) |
| Lot Dimensions | 279 ft deep x 231 ft wide |
| Garage Area | 446 sqft |
| Parking Spaces | 2 Parking Spaces |
| Total Buildings | 3 Buildings |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 446 18TH ST |
|---|---|
| City | OTSEGO |
| State | MI |
| Zip | 49078-9657 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RES |
| Legal Description | COM AT SE COR OF SEC 21 T1N R12W TH N 1112.52' TO POB TH W 280' TH N 232.75' TH E 280' TH S 232.5' TO THE POB. |
| Legal Range | 12W |
| Legal Township | 01N |
| Legal Section | 21 |
| Jurisdiction | ALLEGAN MI |
| Township / Civil Division | OTSEGO |
| Census Block Group | 3 |
| Census Block | 3016 |
| Census Tract | 31800 |
446 18th St is owned and occupied by an individual who bought it in September 2023.
Source: Allegan County records, as of September 9, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 446 18TH ST, OTSEGO, MI 49078-9657 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 6, 2023 | Warranty Deed, Transfer · Conventional Mortgage NORTHERN MORTGAGE SERVICES LLC |
| Nov 8, 2022 | Warranty Deed, Transfer · Conventional Mortgage ARBOR FINANCIAL CU |
| Dec 9, 2019 | Intrafamily Transfer, Transfer CHICAGO TITLE OF MI INC |
| Dec 9, 2019 | Warranty Deed, Transfer · FHA Mortgage SUMMIT HOME MORTGAGE INC |
| Apr 20, 2018 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 6, 2023 · Amount on File |
| Deed Sale | Sep 6, 2023 · Amount on File |
| Prior Sale | Nov 8, 2022 · Amount on File |
| Deed Document Number | 202312800 |
| Deed Book / Page | 4883 / 754 |
| Prior Transfer Date | Nov 21, 2019 |
| Prior Transfer Doc | 4410/111 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ALLEGAN MI |
| Recording Date | Sep 6, 2023 |
| Property Address | 446 18TH ST, OTSEGO, MI 49078-9657 |
| Document Number | 004883/754 |
| Book / Page | 4883 / 754 |
| Instrument Date | Aug 30, 2023 |
| Instrument | 2023012800 |
| Transaction Type | Transfer |
| Record Updated | Oct 11, 2023 |
| Title Company | ARM TITLE AGENCY LLC, STAR TITLE AGENCY LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,725.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4770 ROLAND CIR, PORTAGE, MI 49024-3064 |
| Name | Verified Name |
|---|---|
| Address | 1545 OTTAWA BEACH RD, HOLLAND, MI 49424-2560 |
| Document Number | 2023012801 |
|---|---|
| Date | Sep 6, 2023 |
| Instrument | 2023012801 |
| Name | NORTHERN MORTGAGE SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ALLEGAN MI |
| Recording Date | Nov 8, 2022 |
| Property Address | 446 18TH ST, OTSEGO, MI 49078-9657 |
| Document Number | 004814/736 |
| Book / Page | 4814 / 736 |
| Instrument Date | Oct 24, 2022 |
| Instrument | 2022021377 |
| Transaction Type | Transfer |
| Record Updated | Nov 17, 2022 |
| Title Company | IRONGATE TITLE AGENCY LLC, IRONGATE TITLE AGENCY LC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,125.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 446 18TH ST, 446, OTSEGO, MI 49078-9657 |
| Name | Verified Name |
|---|---|
| Address | 4770 ROLAND CIR, PORTAGE, MI 49024-3064 |
| Document Number | 0004814739 |
|---|---|
| Date | Nov 8, 2022 |
| Instrument | 4814-739 |
| Name | ARBOR FINANCIAL CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2052 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ALLEGAN MI |
| Recording Date | Dec 9, 2019 |
| Property Address | 446 18TH ST, OTSEGO, MI 49078-9657 |
| Document Number | 4410/111 |
| Book / Page | 4410 / 111 |
| Instrument Date | Nov 21, 2019 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Title Company | CHICAGO TITLE OF MI INC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 446 18TH ST, 446, OTSEGO, MI 49078-9657 |
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 446 18TH ST, OTSEGO, MI 49078-9657 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ALLEGAN MI |
| Recording Date | Dec 9, 2019 |
| Property Address | 446 18TH ST, OTSEGO, MI 49078-9657 |
| Document Number | 004410/118 |
| Book / Page | 4410 / 118 |
| Instrument Date | Nov 21, 2019 |
| Transaction Type | Transfer |
| Record Updated | May 3, 2022 |
| Title Company | CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,118.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 446 18TH ST, 446, OTSEGO, MI 49078-9657 |
| Name | Verified Name |
|---|---|
| Address | 446 18TH ST, OTSEGO, MI 49078-9657 |
| Document Number | 0004410121 |
|---|---|
| Date | Dec 9, 2019 |
| Instrument | 4410/121 |
| Name | SUMMIT HOME MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2049 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ALLEGAN MI |
| Recording Date | Apr 20, 2018 |
| Property Address | 446 18TH ST, OTSEGO, MI 49078-9657 |
| Document Number | 4238/941 |
| Book / Page | 4238 / 941 |
| Instrument Date | Apr 12, 2018 |
| Transaction Type | Transfer |
| Record Updated | Jun 6, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1334 N EAGLE LAKE DR, 1334, KALAMAZOO, MI 49009-8430 |
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 446 18TH ST, OTSEGO, MI 49078-9657 |
The 2025 property tax bill for 446 18th St was $3,357 with a homeowner's exemption, up 2.6% from the year before.
Source: Allegan County assessment roll, as of September 9, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Allegan County |
| County Subdivision | Otsego Township |
| Unified School District | Otsego Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $106,900 (+0.28%) Land $11,400 Building $95,500 | $213,800 (+0.28%) Land $22,800 Building $191,000 | |
| 2025 | $3,357.00 (+2.6%) Homeowner's exemption | $106,600 Land $11,400 Building $95,200 | $213,200 Land $22,800 Building $190,400 |
| 2024 | $3,272.00 | ||
| 2023 | $82,300 Land $10,900 Building $71,400 | $164,600 Land $21,800 Building $142,800 | |
| 2022 | $1,704.00 |
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.
FEMA maps place 446 18th St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2018.
Source: FEMA National Flood Hazard Layer, effective June 21, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 1 (2018) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Aug 2018 · other causes |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 446 18th St is low, with a 0.01% annual chance of 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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 56 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| 123.NET Fiber | 6,000 / 6,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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