Allegan County property record for 515 E Hammond St, Otsego, MI 49078
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,022 sqft · built 1890 |
| Lot Size | 0.322 acres (14,026 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $195,000 (Jun 2025) |
| Tax Bill | $1,964 (2025) |
| Deeds & Mortgages | Dec 2023 Transfer Sep 2023 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 54-454-027-00 |
| Primary APN | 54-454-027-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,022 sqft Living Area |
| 1st Floor Area | 1,022 sqft |
| Basement Area | 702 sqft |
| Unfinished Basement | 702 sqft |
| Year Built | Built 1890 |
|---|---|
| Effective Year Built | Effective 1890 |
| Architectural Style | Cape Cod |
| Exterior Material | Stucco |
| Foundation Type | No Foundation |
| Lot Area | 14,026 sqft (0.322 acres) |
| Lot Dimensions | 165 ft deep x 85 ft wide |
| Garage Area | 308 sqft |
| Parking Spaces | 1 Parking Space |
| Total Buildings | 2 Buildings |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 515 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 | LOT 27 EX E 15 FT & LOT 28 BLOCK D HOMESTEAD ADDITION. |
| Legal Subdivision | BLOCK D HOMESTEAD ADD |
| Legal Block | D |
| Legal Lot Number | 27-28 |
| Jurisdiction | ALLEGAN MI |
| Township / Civil Division | OTSEGO |
| Census Block Group | 2 |
| Census Block | 2015 |
| Census Tract | 31900 |
515 E Hammond St is owned and occupied by two individuals who bought it in June 2025.
Source: Allegan County records, as of September 9, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 515 E HAMMOND ST, OTSEGO, MI 49078-1508 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Dec 6, 2023 | Quit Claim Deed, Transfer Quitclaim |
| Sep 20, 2023 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 25, 2025 · Amount on File |
| Deed Sale | Jun 25, 2025 · Amount on File |
| Deed Document Number | 20259824 |
| Deed Book / Page | 5044 / 287 |
| Prior Transfer Date | Jun 18, 2025 |
| Prior Transfer Doc | 005044/309 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ALLEGAN MI |
| Recording Date | Dec 6, 2023 |
| Property Address | 515 E HAMMOND ST, OTSEGO, MI 49078-1508 |
| Document Number | 004906/761 |
| Book / Page | 4906 / 761 |
| Instrument Date | Dec 6, 2023 |
| Instrument | 2023017717 |
| Transaction Type | Transfer |
| Record Updated | Dec 19, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 515 E HAMMOND ST, OTSEGO, MI 49078-1508 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ALLEGAN MI |
| Recording Date | Sep 20, 2023 |
| Property Address | 515 E HAMMOND ST, OTSEGO, MI 49078-1508 |
| Document Number | 004888/366 |
| Book / Page | 4888 / 366 |
| Instrument Date | Sep 20, 2023 |
| Instrument | 2023013799 |
| Transaction Type | Transfer |
| Record Updated | Oct 10, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 515 E HAMMOND ST, OTSEGO, MI 49078-1508 |
| Name | Verified Name |
|---|---|
| Address | 8939 CORAL REEF WAY, PANAMA CITY BEACH, FL 32413-9611 |
The 2025 property tax bill for 515 E Hammond St was $1,964 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 |
| Municipality | Otsego City |
| Unified School District | Otsego Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $79,100 (-) Land $16,600 Building $62,500 | $158,200 (-) Land $33,200 Building $125,000 | |
| 2025 | $1,964.00 (+2.61%) Homeowner's exemption | $79,100 Land $14,000 Building $65,100 | $158,200 Land $28,000 Building $130,200 |
| 2024 | $1,914.00 | ||
| 2023 | $59,000 Land $7,800 Building $51,200 | $118,000 Land $15,600 Building $102,400 | |
| 2022 | $1,640.00 |
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.
FEMA maps place 515 E Hammond 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 risk around 515 E Hammond 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.
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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