Allegan County property record for 516 E Hammond St, Otsego, MI 49078
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,139 sqft · built 1890 |
| Lot Size | 0.379 acres (16,509 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $208,000 (Aug 2024) |
| Tax Bill | $4,226 (2025) |
| Deeds & Mortgages | Aug 2023 Sale & Mortgage Jun 2023 Sale + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 54-455-011-00 |
| Primary APN | 54-455-011-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,139 sqft Living Area |
| 1st Floor Area | 1,139 sqft |
| Basement Area | 947 sqft |
| Unfinished Basement | 947 sqft |
| Year Built | Built 1890 |
|---|---|
| Effective Year Built | Effective 1890 |
| Architectural Style | Ranch |
| Exterior Material | Stucco |
| Foundation Type | No Foundation |
| Lot Area | 16,509 sqft (0.379 acres) |
| Lot Dimensions | 165 ft deep x 100 ft wide |
| Garage Area | 336 sqft |
| Parking Spaces | 1 Parking Space |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 516 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 | LOT 11 & 12 BLOCK E HOMESTEAD ADDITION. |
| Legal Subdivision | BLOCK E HOMESTEAD ADD |
| Legal Block | E |
| Legal Lot Number | 11-12 |
| 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 516 E HAMMOND ST, OTSEGO, MI 49078-1509 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 15, 2023 | Warranty Deed, Transfer · Conventional Mortgage NEIGHBORHOOD LOANS |
| Jun 14, 2023 | Personal Representative Deed, Transfer |
| Apr 12, 2023 | Sheriff's Deed, Foreclosure |
| Jun 28, 2019 | Intrafamily Transfer, Transfer · Conventional Mortgage SYNERGY ONE LENDING |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 16, 2024 · Amount on Record |
| Deed Sale | Aug 16, 2024 · Amount on Record |
| Prior Sale | Aug 15, 2023 · Amount on Record |
| Deed Document Number | 202412075 |
| Deed Book / Page | 4966 / 155 |
| Prior Transfer Date | Apr 6, 2023 |
| Prior Transfer Doc | 004848/495 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ALLEGAN MI |
| Recording Date | Aug 15, 2023 |
| Property Address | 516 E HAMMOND ST, OTSEGO, MI 49078-1509 |
| Document Number | 004878/709 |
| Book / Page | 4878 / 709 |
| Map Reference | LB 2 PG 22 |
| Instrument Date | Aug 10, 2023 |
| Instrument | 2023011689 |
| Transaction Type | Transfer |
| Record Updated | Aug 28, 2023 |
| Title Company | SUN TITLE AGENCY/MI LLC, SUN TITLE AGENCY OF MI LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,185.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2815 MICHIGAN ST NE, GRAND RAPIDS, MI 49506-1266 |
| Name | Verified Name |
|---|---|
| Address | 4307 SUSSEX PL, WAYLAND, MI 49348-8940 |
| Investor | Possibly a Property Investor |
| Document Number | 2023011690 |
|---|---|
| Date | Aug 15, 2023 |
| Instrument | 2023011690 |
| Name | NEIGHBORHOOD LOANS |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2053 |
| Document Type | Personal Representative Deed |
|---|---|
| Jurisdiction | ALLEGAN MI |
| Recording Date | Jun 14, 2023 |
| Property Address | 516 E HAMMOND ST, OTSEGO, MI 49078-1509 |
| Document Number | 004864/294 |
| Book / Page | 4864 / 294 |
| Map Reference | LB 2 PG 22 |
| Instrument Date | Jun 1, 2023 |
| Instrument | 2023008697 |
| Transaction Type | Transfer |
| Record Updated | Jul 6, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 11010 ANCHOR COVE DR, SHELBYVILLE, MI 49344-9413 |
| Name | Verified Name |
|---|---|
| Address | 2815 MICHIGAN ST NE STE D, D, GRAND RAPIDS, MI 49506-1266 |
| Investor | Possibly a Property Investor |
| Document Type | Sheriff's Deed |
|---|---|
| Jurisdiction | ALLEGAN MI |
| Recording Date | Apr 12, 2023 |
| Property Address | 516 E HAMMOND ST, OTSEGO, MI 49078-1509 |
| Document Number | 004848/495 |
| Book / Page | 4848 / 495 |
| Map Reference | LB 2 PG 22 |
| Instrument Date | Apr 4, 2023 |
| Instrument | 2023005073 |
| Transaction Type | Foreclosure |
| Record Updated | Apr 24, 2023 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | PO BOX 89, TROY, MI 48099-0089 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ALLEGAN MI |
| Recording Date | Jun 28, 2019 |
| Property Address | 516 E HAMMOND ST, OTSEGO, MI 49078-1509 |
| Document Number | 004357/041 |
| Book / Page | 4357 / 041 |
| Map Reference | LB 2 PG 22 |
| Instrument Date | Jun 13, 2019 |
| Transaction Type | Transfer |
| Record Updated | Apr 24, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 516 E HAMMOND ST, OTSEGO, MI 49078-1509 |
| Document Number | 0000435743 |
|---|---|
| Date | Jun 28, 2019 |
| Instrument | 4357/43 |
| Name | SYNERGY ONE LENDING |
|---|---|
| Type | Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2049 |
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 | $96,200 (+1.48%) Land $19,600 Building $76,600 | $192,400 (+1.48%) Land $39,200 Building $153,200 | |
| 2025 | $4,226.00 (+36.45%) Homeowner's exemption | $94,800 (+53.65%) Land $16,500 Building $78,300 | $189,600 (+53.65%) Land $33,000 Building $156,600 |
| 2024 | $3,097.00 (+87.92%) | ||
| 2023 | $61,700 (+11.57%) Land $9,200 Building $52,500 | $123,400 (+11.57%) Land $18,400 Building $105,000 | |
| 2022 | $1,648.00 Homeowner's exemption | $55,300 Land $9,200 Building $46,100 | $110,600 Land $18,400 Building $92,200 |
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.
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.
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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures