520 E Hammond St, Otsego, MI 49078 Property Records

Allegan County property record for 520 E Hammond St, Otsego, MI 49078

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,416 sqft · built 1950
Lot Size	0.284 acres (12,371 sqft)
Owner	Individual Name on File
Tax Bill	$2,306 (2025)
Deeds & Mortgages	Sep 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`54-455-013-00`

Property Details

APN / Parcel Number

Primary APN	`54-455-013-00`
Alternative APN	`03-54-455-013-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,416 sqft Living Area
1st Floor Area	1,188 sqft
Basement Area	816 sqft
Unfinished Basement	816 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Exterior Material	Wood
Foundation Type	Raised
Lot Area	12,371 sqft (0.284 acres)
Lot Dimensions	165 ft deep x 75 ft wide
Garage Area	308 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	520 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 13 & W 1/2 LOT 14 BLOCK E HOMESTEAD ADDITION.
Legal Subdivision	BLOCK E HOMESTEAD ADD
Legal Block	E
Legal Lot Number	13-14
Jurisdiction	ALLEGAN MI
Township / Civil Division	OTSEGO
Census Block Group	2
Census Block	2016
Census Tract	31900

Owner

520 E Hammond St is owned and occupied by an individual who acquired it in July 2002.

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

Owner of Record	Individual Name on File
Mailing Address	520 E HAMMOND ST, OTSEGO, MI 49078-1509
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Jul 10, 2002
Transfer Doc	2270000536
Record Updated	Oct 29, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGAN MI
Property Address	520 E HAMMOND ST, OTSEGO, MI 49078-1509
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN ELS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	4385/902
Date	Sep 30, 2019
Book Page	4385/902

Lender

Name	FIFTH THIRD BANK WESTERN MICHIGAN
Type	Bank
Address	GRAND RAPIDS, MI 49546

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 520 E Hammond St was $2,306 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		$75,600 Land $14,700 Building $60,900	$151,200 Land $29,400 Building $121,800
2025	$2,306.00
2023		$55,800 Land $6,900 Building $48,900	$111,600 Land $13,800 Building $97,800
2022	$1,927.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 520 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

Wildfire risk around 520 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.

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 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