Allegan County property record for 503 E Hammond St, Otsego, MI 49078
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,092 sqft · built 1880 |
| Lot Size | 0.284 acres (12,371 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $149,900 (Dec 2022) |
| Tax Bill | $2,493 (2025) |
| Deeds & Mortgages | Oct 2025 Mortgage Dec 2022 Sale & Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 54-454-031-00 |
| Primary APN | 54-454-031-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 2 Stories |
| Building Area | 1,092 sqft Living Area |
| 1st Floor Area | 952 sqft |
| Basement Area | 520 sqft |
| Unfinished Basement | 520 sqft |
| Year Built | Built 1880 |
|---|---|
| Effective Year Built | Effective 1880 |
| Exterior Material | Stucco |
| Foundation Type | No Foundation |
| Lot Area | 12,371 sqft (0.284 acres) |
| Lot Dimensions | 165 ft deep x 75 ft wide |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 503 E HAMMOND ST |
|---|---|
| City | OTSEGO |
| State | MI |
| Zip | 49078-1508 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-B |
| Legal Description | W 1/2 LOT 30 ALSO LOT 31 BLOCK D HOMESTEAD ADDITION. |
| Legal Subdivision | BLOCK D HOMESTEAD ADD |
| Legal Block | D |
| Legal Lot Number | 30-31 |
| Jurisdiction | ALLEGAN MI |
| Township / Civil Division | OTSEGO |
| Census Block Group | 2 |
| Census Block | 2015 |
| Census Tract | 31900 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 503 E HAMMOND ST, OTSEGO, MI 49078-1508 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 15, 2025 | Deed of Trust, Mortgage · Conventional Mortgage UNION HOME MORTGAGE CORP |
| Dec 9, 2022 | Warranty Deed, Transfer · Conventional Mortgage AMERIFIRST FINANCIAL CORP |
| Nov 1, 2022 | Redemption Deed, Transfer |
| May 20, 2022 | Sheriff's Deed, Foreclosure |
| May 5, 2022 | Quit Claim Deed, Transfer Quitclaim |
| Oct 9, 2018 | Warranty Deed, Transfer · Conventional Mortgage AMERIFIRST FINANCIAL CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 9, 2022 · Amount on Record |
| Deed Sale | Dec 9, 2022 · Amount on Record |
| Prior Sale | May 20, 2022 · Amount on Record |
| Deed Document Number | 202222936 |
| Deed Book / Page | 4821 / 917 |
| Prior Transfer Date | May 5, 2022 |
| Prior Transfer Doc | 004762/615 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALLEGAN MI |
| Property Address | 503 E HAMMOND ST, OTSEGO, MI 49078-1508 |
| Transaction Type | Mortgage |
| Record Updated | Oct 22, 2025 |
| Name | Verified Name |
|---|---|
| Address | 503 E HAMMOND ST, OTSEGO, MI 49078-1508 |
| Document Number | 005077/742 |
|---|---|
| Date | Oct 15, 2025 |
| Book Page | 5077/742 |
| Instrument | 2025016646 |
| Name | UNION HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | STRONGSVILLE, OH 44136 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ALLEGAN MI |
| Recording Date | Dec 9, 2022 |
| Property Address | 503 E HAMMOND ST, OTSEGO, MI 49078-1508 |
| Document Number | 004821/917 |
| Book / Page | 4821 / 917 |
| Map Reference | LB 2 PG 22 |
| Instrument Date | Nov 28, 2022 |
| Instrument | 2022022936 |
| Transaction Type | Transfer |
| Record Updated | Feb 27, 2023 |
| Title Company | CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,125.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 81, SAINT JOSEPH, MI 49085-0081 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 503 E HAMMOND ST, OTSEGO, MI 49078-1508 |
| Document Number | 0004821919 |
|---|---|
| Date | Dec 9, 2022 |
| Instrument | 4821-919 |
| Name | AMERIFIRST FINANCIAL CORP |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2052 |
| Document Type | Redemption Deed |
|---|---|
| Jurisdiction | ALLEGAN MI |
| Recording Date | Nov 1, 2022 |
| Property Address | 503 E HAMMOND ST, OTSEGO, MI 49078-1508 |
| Document Number | 004812/774 |
| Book / Page | 4812 / 774 |
| Map Reference | LB 2 PG 22 |
| Instrument Date | Oct 31, 2022 |
| Instrument | 2022020998 |
| Transaction Type | Transfer |
| Record Updated | Feb 27, 2023 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Redemption Amount |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Type | Sheriff's Deed |
|---|---|
| Jurisdiction | ALLEGAN MI |
| Recording Date | May 20, 2022 |
| Property Address | 503 E HAMMOND ST, OTSEGO, MI 49078-1508 |
| Document Number | 004762/615 |
| Book / Page | 4762 / 615 |
| Map Reference | LB 2 PG 22 |
| Instrument Date | May 5, 2022 |
| Instrument | 2022010443 |
| Transaction Type | Foreclosure |
| Record Updated | Feb 27, 2023 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1600 S DOUGLASS RD # 200-A, 200, ANAHEIM, CA 92806-5951 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ALLEGAN MI |
| Recording Date | May 5, 2022 |
| Property Address | 503 E HAMMOND ST, OTSEGO, MI 49078-1508 |
| Document Number | 004756/938 |
| Book / Page | 4756 / 938 |
| Map Reference | LB 2 PG 22 |
| Instrument Date | May 4, 2022 |
| Instrument | 2022009362 |
| Transaction Type | Transfer |
| Record Updated | Feb 27, 2023 |
| Amount | Amount Recorded |
|---|---|
| Tax | $3.75 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 503 E HAMMOND ST, OTSEGO, MI 49078-1508 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 81, SAINT JOSEPH, MI 49085-0081 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ALLEGAN MI |
| Recording Date | Oct 9, 2018 |
| Property Address | 503 E HAMMOND ST, OTSEGO, MI 49078-1508 |
| Document Number | 004289/330 |
| Book / Page | 4289 / 330 |
| Map Reference | LB2 PG22 |
| Instrument Date | Sep 25, 2018 |
| Transaction Type | Transfer |
| Record Updated | Feb 27, 2023 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $989.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 503 E HAMMOND ST, OTSEGO, MI 49078-1508 |
| Name | Verified Name |
|---|---|
| Address | 1015 12TH ST, MARTIN, MI 49070-9720 |
| Document Number | 0004289332 |
|---|---|
| Date | Oct 9, 2018 |
| Instrument | 4289/332 |
| Name | AMERIFIRST FINANCIAL CORP |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2048 |
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 | $69,400 (+35.02%) Land $14,700 Building $54,700 | $138,800 (+35.02%) Land $29,400 Building $109,400 | |
| 2025 | $2,493.00 (+45.62%) | ||
| 2023 | $51,400 Land $6,900 Building $44,500 | $102,800 Land $13,800 Building $89,000 | |
| 2022 | $1,712.00 |
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.
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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