511 Lawrence Dr, Otsego, MI 49078 Property Records

Allegan County property record for 511 Lawrence Dr, Otsego, MI 49078

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,144 sqft · built 1962
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on File
Last Sale	$145,800 (May 2022)
Tax Bill	$2,627 (2025)
Deeds & Mortgages	Jul 2022 Mortgage May 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`54-852-010-00`

Property Details

APN / Parcel Number

Primary APN	`54-852-010-00`
Alternative APN	`03-54-852-010-00`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,144 sqft Living Area
1st Floor Area	1,144 sqft
Basement Area	1,144 sqft
Unfinished Basement	1,144 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Architectural Style	Ranch
Exterior Material	Stucco
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	132 ft deep x 66 ft wide

Utilities, Heating & Cooling

Heating System	Hot Water

Location & Zoning

Street Address	511 LAWRENCE DR
City	OTSEGO
State	MI
Zip	49078-1524
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-A
Legal Description	LOT 10 BLK 2 HOWARD C YOUNG ADDITION TO CITY OF OTSEGO.
Legal Subdivision	HOWARD C YOUNG ADD
Legal Block	2
Legal Lot Number	10
Jurisdiction	ALLEGAN MI
Township / Civil Division	OTSEGO
Census Block Group	3
Census Block	3019
Census Tract	31900

Owner

511 Lawrence Dr is owned and occupied by an individual who bought it in May 2022.

Source: Allegan County records, as of September 9, 2026

Owner of Record	Individual Name on File
Mailing Address	511 LAWRENCE DR, OTSEGO, MI 49078-1524
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.

Deeds, Mortgages & Sale History

Date	Document
Jul 1, 2022	Deed of Trust, Mortgage · FHA Mortgage AMERIFIRST FINANCIAL CORP
May 19, 2022	Warranty Deed, Transfer · FHA Mortgage AMERIFIRST FINANCIAL CORP
Apr 26, 2018	Warranty Deed, Transfer · Conventional Mortgage FIFTH THIRD MORTGAGE MICHIGAN LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 19, 2022 · Amount on File
Deed Sale	May 19, 2022 · Amount on File
Prior Sale	Apr 26, 2018 · Amount on File
Deed Document Number	202210350
Deed Book / Page	4762 / 164
Prior Transfer Date	Nov 23, 2009
Prior Transfer Doc	3378/339
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGAN MI
Property Address	511 LAWRENCE DR, OTSEGO, MI 49078-1524
Transaction Type	Mortgage
Record Updated	Aug 10, 2023
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	511 LAWRENCE DR, OTSEGO, MI 49078-1524

Mortgage

Document Number	004776/173
Date	Jul 1, 2022
Book Page	4776/173
Instrument	2022013287

Lender

Name	AMERIFIRST FINANCIAL CORP
Type	Funding / Finance Company
Address	PORTAGE, MI 49002

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	359 Months
Due	Jun 1, 2052

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEGAN MI
Recording Date	May 19, 2022
Property Address	511 LAWRENCE DR, OTSEGO, MI 49078-1524
Document Number	004762/164
Book / Page	4762 / 164
Map Reference	LB 6 PG 45
Instrument Date	May 13, 2022
Instrument	2022010350
Transaction Type	Transfer
Record Updated	May 31, 2022
Title Company	WEST MI REALTORS TITLE, WEST MI REALTORS TTL CO LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,095.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	511 LAWRENCE DR, 511, OTSEGO, MI 49078-1524

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	511 LAWRENCE DR, OTSEGO, MI 49078-1524

Mortgage

Document Number	0004762167
Date	May 19, 2022
Instrument	4762-167

Lender

Name	AMERIFIRST FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2052

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEGAN MI
Recording Date	Apr 26, 2018
Property Address	511 LAWRENCE DR, OTSEGO, MI 49078-1524
Document Number	004240/337
Book / Page	4240 / 337
Map Reference	LB6 PG45
Instrument Date	Apr 10, 2018
Transaction Type	Transfer
Record Updated	May 3, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$817.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	511 LAWRENCE DR, 511, OTSEGO, MI 49078-1524

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	665 24TH ST, OTSEGO, MI 49078-9600

Mortgage

Document Number	0004240339
Date	Apr 26, 2018
Instrument	4240/339

Lender

Name	FIFTH THIRD MORTGAGE MICHIGAN LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	121 Months
Due	May 1, 2028

Tax Assessment & Valuation

The 2025 property tax bill for 511 Lawrence Dr was $2,627 with a homeowner's exemption.

Source: Allegan County assessment roll, as of September 9, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Allegan County
Municipality	Otsego City
Unified School District	Otsego Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$72,400 Land $11,600 Building $60,800	$144,800 Land $23,200 Building $121,600
2025	$2,627.00
2023		$54,200 Land $5,400 Building $48,800	$108,400 Land $10,800 Building $97,600
2022	$1,905.00

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.

Flood

FEMA maps place 511 Lawrence Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	7 in force

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

Wildfire risk around 511 Lawrence Dr 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	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 274 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Surf Internet Fiber	8,000 / 8,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Mercury Fiber Fixed Wireless	150 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: 123.NET.

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