Allegan County property record for 506 E Hammond St, Otsego, MI 49078
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,152 sqft · built 1900 |
| Lot Size | 0.379 acres (16,509 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $210,000 (Jul 2024) |
| Tax Bill | $3,801 (2025) |
| Deeds & Mortgages | Apr 2023 Line of Credit Aug 2020 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 54-455-009-00 |
| Primary APN | 54-455-009-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,152 sqft Living Area |
| 1st Floor Area | 1,152 sqft |
| Basement Area | 1,152 sqft |
| Unfinished Basement | 1,152 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Lot Area | 16,509 sqft (0.379 acres) |
| Lot Dimensions | 165 ft deep x 100 ft wide |
| Garage Area | 768 sqft |
| Parking Spaces | 3 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 506 E HAMMOND ST |
|---|---|
| City | OTSEGO |
| State | MI |
| Zip | 49078-1509 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-B |
| Legal Description | LOTS 9 & 10 BLOCK E HOMESTEAD ADDITION. |
| Legal Subdivision | BLOCK E HOMESTEAD ADD |
| Legal Block | E |
| Legal Lot Number | 9-10 |
| Jurisdiction | ALLEGAN MI |
| Township / Civil Division | OTSEGO |
| Census Block Group | 2 |
| Census Block | 2016 |
| 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 | Individual Name on Record |
|---|---|
| Mailing Address | 506 E HAMMOND ST, OTSEGO, MI 49078-1509 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 6, 2023 | Deed of Trust, Mortgage · Line of Credit ARBOR FINANCIAL CU |
| Aug 25, 2020 | Deed of Trust, Mortgage · Line of Credit ARBOR FINANCIAL CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 16, 2024 · Amount on Record |
| Deed Sale | Jul 16, 2024 · Amount on Record |
| Prior Sale | May 19, 2016 · Amount on Record |
| Deed Document Number | 202410296 |
| Deed Book / Page | 4957 / 492 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALLEGAN MI |
| Property Address | 506 E HAMMOND ST, OTSEGO, MI 49078-1509 |
| Transaction Type | Mortgage |
| Record Updated | Apr 14, 2023 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO |
| Name | Verified Name |
|---|
| Document Number | 004846/903 |
|---|---|
| Date | Apr 6, 2023 |
| Book Page | 4846/903 |
| Instrument | 2023004461 |
| Name | ARBOR FINANCIAL CU |
|---|---|
| Type | Credit Union |
| Address | KALAMAZOO, MI 49009 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Apr 3, 2043 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALLEGAN MI |
| Property Address | 506 E HAMMOND ST, OTSEGO, MI 49078-1509 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 4501/703 |
|---|---|
| Date | Aug 25, 2020 |
| Book Page | 4501/703 |
| Name | ARBOR FINANCIAL CU |
|---|---|
| Type | Credit Union |
| Address | KALAMAZOO, MI 49009 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $86,600 (+36.59%) Land $19,600 Building $67,000 | $173,200 (+36.59%) Land $39,200 Building $134,000 | |
| 2025 | $3,801.00 (+100.16%) | ||
| 2023 | $63,400 Land $9,200 Building $54,200 | $126,800 Land $18,400 Building $108,400 | |
| 2022 | $1,899.00 |
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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