513 S Farmer St, Otsego, MI 49078 Property Records

Allegan County property record for 513 S Farmer St, Otsego, MI 49078

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,841 sqft
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Individual Names on File
Last Sale	$271,500 (Jul 2026)
Tax Bill	$4,456 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Aug 2023 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`54-121-008-00`

Property Details

APN / Parcel Number

Primary APN	`54-121-008-00`
Alternative APN	`03-54-121-008-00`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,841 sqft Living Area
1st Floor Area	1,232 sqft
Basement Area	560 sqft
Unfinished Basement	560 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Exterior Material	Stucco
Foundation Type	No Foundation
Lot Area	10,890 sqft (0.25 acres)
Lot Dimensions	165 ft deep x 66 ft wide
Garage Area	812 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	513 S FARMER ST
City	OTSEGO
State	MI
Zip	49078-1405
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-B
Legal Description	S 66 FT OF N 198 FT OF W 165 FT OF BLOCK 21 O. P. SEC 22 & 23.
Legal Subdivision	ORIGINAL PLAT OF VILLAGE OF OTSEGO
Legal Block	21
Jurisdiction	ALLEGAN MI
Township / Civil Division	OTSEGO
Census Block Group	2
Census Block	2019
Census Tract	31900

Owner

513 S Farmer St is owned and occupied by two individuals who bought it in July 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	2154 122ND AVE, HOPKINS, MI 49328-9632
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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 2, 2026	Warranty Deed, Transfer · VA Mortgage ARVEST BANK
Aug 4, 2023	Warranty Deed, Transfer · Conventional Mortgage LAKE MICHIGAN CU
Jun 15, 2023	Quit Claim Deed, Transfer Quitclaim
Jul 22, 2019	Intrafamily Transfer, Transfer RONALD JOHN MAAG ETUX
Feb 19, 2019	Warranty Deed, Transfer
Mar 4, 2019	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 2, 2026 · Amount on File
Deed Sale	Jul 2, 2026 · Amount on File
Prior Sale	Aug 4, 2023 · Amount on File
Deed Document Number	202610990
Deed Book / Page	5152 / 154
Prior Transfer Date	Jun 12, 2023
Prior Transfer Doc	004864/296
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEGAN MI
Recording Date	Jul 2, 2026
Property Address	513 S FARMER ST, OTSEGO, MI 49078-1405
Document Number	0000010990
Book / Page	5152 / 154
Instrument Date	Jun 29, 2026
Instrument	202610990
Transaction Type	Transfer
Record Updated	Jul 17, 2026
Title Company	CHICAGO TITLE W, CHICAGO TITLE OF MICHIGAN

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$235,824.90
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2154 122ND AVE, HOPKINS, MI 49328-9632

Mortgage

Document Number	0000010991,
Date	Jul 2, 2026
Instrument	202610991

Lender

Name	ARVEST BANK

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.51%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEGAN MI
Recording Date	Aug 4, 2023
Property Address	513 S FARMER ST, OTSEGO, MI 49078-1405
Document Number	004876/232
Book / Page	4876 / 232
Instrument Date	Aug 1, 2023
Instrument	2023011165
Transaction Type	Transfer
Record Updated	Aug 18, 2023
Title Company	CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,800.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10553 W 487, FLORENCE, TX 76527

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2359 BRIARWOOD, DORR, MI 49323-9562

Mortgage

Document Number	2023011166
Date	Aug 4, 2023
Instrument	2023011166

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2053

June 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ALLEGAN MI
Recording Date	Jun 15, 2023
Property Address	513 S FARMER ST, OTSEGO, MI 49078-1405
Document Number	004864/296
Book / Page	4864 / 296
Instrument Date	Jun 12, 2023
Instrument	2023008699
Transaction Type	Transfer
Record Updated	Jul 6, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1108 BARTON ST, OTSEGO, MI 49078-1571

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10553 W FM 487, FLORENCE, TX 76527-4112

July 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ALLEGAN MI
Recording Date	Jul 22, 2019
Property Address	513 S FARMER ST, OTSEGO, MI 49078-1405
Document Number	004363/942
Book / Page	4363 / 942
Instrument Date	May 25, 2019
Transaction Type	Transfer
Record Updated	May 3, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	513 S FARMER ST, OTSEGO, MI 49078-1405

Mortgage

Document Number	0004363939
Date	Jul 22, 2019
Instrument	4363/939

Lender

Name	RONALD JOHN MAAG ETUX
Type	Private Party

Agreement

Amount	Amount on Record

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEGAN MI
Recording Date	Feb 19, 2019
Property Address	513 S FARMER ST, OTSEGO, MI 49078-1405
Document Number	4322/121
Book / Page	4322 / 121
Instrument Date	Dec 31, 2018
Transaction Type	Transfer
Record Updated	Aug 3, 2021

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	513 S FARMER ST, 513, OTSEGO, MI 49078-1405

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	10553 W FM 487, FLORENCE, TX 76527-4112

March 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ALLEGAN MI
Recording Date	Mar 4, 2019
Property Address	513 S FARMER ST, OTSEGO, MI 49078-1405
Document Number	4324/722
Book / Page	4324 / 722
Instrument Date	Dec 31, 2018
Transaction Type	Transfer
Record Updated	Aug 3, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10553 W FM 487, 10553, FLORENCE, TX 76527-4112

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	10553 W FM 487, FLORENCE, TX 76527-4112

Tax Assessment & Valuation

The 2025 property tax bill for 513 S Farmer St was $4,456 with a homeowner's exemption, up 2.3% from the year before.

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		$118,200 (+7.16%) Land $11,200 Building $107,000	$236,400 (+7.16%) Land $22,400 Building $214,000
2025	$4,456.00 (+2.32%) Homeowner's exemption	$110,300 Land $10,000 Building $100,300	$220,600 Land $20,000 Building $200,600
2024	$4,355.00
2023		$82,600 (+12.69%) Land $5,700 Building $76,900	$165,200 (+12.69%) Land $11,400 Building $153,800
2022	$2,074.00 Homeowner's exemption	$73,300 Land $5,700 Building $67,600	$146,600 Land $11,400 Building $135,200

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 513 S Farmer St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective June 21, 2023

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 513 S Farmer 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	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 476 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
T-Mobile Fixed Wireless	100 / 20

May also be available: 123.NET.

Cell Coverage

5G (outdoors only) and 4G LTE

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