Allegan County property record for 499 River Rd, Otsego, MI 49078
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,496 sqft · built 2011 |
| Lot Size | 1.64 acres (71,438 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $62,000 (Sep 1995) |
| Tax Bill | $3,973 (2025) |
| Deeds & Mortgages | Apr 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 17-021-056-00 |
| Primary APN | 17-021-056-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,496 sqft Living Area |
| 1st Floor Area | 1,248 sqft |
| Basement Area | 1,248 sqft |
| Unfinished Basement | 1,248 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2011 |
|---|---|
| Effective Year Built | Effective 2011 |
| Architectural Style | Custom Design |
| Exterior Material | Wood |
| Lot Area | 71,438 sqft (1.64 acres) |
| Lot Dimensions | 793 ft deep x 90 ft wide |
| Garage Area | 1,120 sqft |
| Parking Spaces | 4 Parking Spaces |
| Total Buildings | 2 Buildings |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 499 RIVER RD |
|---|---|
| City | OTSEGO |
| State | MI |
| Zip | 49078-9684 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AG |
| Legal Description | COM ON W SEC LINE AT CONT 684.8 FT ON LEFT BANK KALAMAZOO R. TH S TO CTR OF HWY TH SELY ON SD CTR LINE 90 FT TH NELY AT RT ANGLES TO HWY TO CONT 684.8 FT TH NWLY ALONG SD CONTOUR TO BEG SEC 21 T1N R12W. |
| Legal Range | 12W |
| Legal Township | 01N |
| Legal Section | 21 |
| Jurisdiction | ALLEGAN MI |
| Township / Civil Division | OTSEGO |
| Census Block Group | 1 |
| Census Block | 1022 |
| Census Tract | 31800 |
499 River Rd is owner-occupied and held in a trust since May 2002.
Source: Allegan County records, as of September 9, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 499 RIVER RD, OTSEGO, MI 49078-9684 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Trust, Family Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 22, 1995 · Amount on File |
| Deed Sale | Sep 22, 1995 · Amount on File |
| Deed Document Number | 19951 |
| Last Transfer Date | May 31, 2002 |
| Transfer Doc | 2253000098 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALLEGAN MI |
| Property Address | 499 RIVER RD, OTSEGO, MI 49078-9684 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 4134/384 |
|---|---|
| Date | Apr 27, 2017 |
| Book Page | 4134/384 |
| Name | AMERIFIRST FINANCIAL CORP |
|---|---|
| Type | Funding / Finance Company |
| Address | PORTAGE, MI 49002 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2047 |
The 2025 property tax bill for 499 River Rd was $3,973 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 | $215,700 (-0.32%) Land $12,600 Building $203,100 | $431,400 (-0.32%) Land $25,200 Building $406,200 | |
| 2025 | $3,973.00 (+2.61%) Homeowner's exemption | $216,400 Land $12,600 Building $203,800 | $432,800 Land $25,200 Building $407,600 |
| 2024 | $3,872.00 | ||
| 2023 | $159,800 Land $11,400 Building $148,400 | $319,600 Land $22,800 Building $296,800 | |
| 2022 | $3,264.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 499 River Rd in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
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 100 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 risk around 499 River Rd is low, with less than 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 94% of the US · lower than 87% of Michigan |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 16 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Mercury Fiber Fiber · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: 123.NET.
5G (outdoors only) and 4G LTE
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