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  5. E Hammond St

532 E Hammond St, Otsego, MI 49078 Property Records

Allegan County property record for 532 E Hammond St, Otsego, MI 49078

Property Summary

Property TypeSingle Family Home
Details3 bd · 1 ba · 1,788 sqft · built 1890
Lot Size0.284 acres (12,371 sqft)
Owner2 Individual Names on Record
Last Sale$124,900 (Mar 2018)
Tax Bill$2,833 (2025)
Deeds & MortgagesJun 2026 Mortgage
Aug 2022 Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APN54-455-015-00

Property Details

APN / Parcel Number

Primary APN54-455-015-00
Alternative APN
  • 03-54-455-015-00

Interior

Bedrooms3 Beds
Full Baths1 Bath
Stories2 Stories
Building Area1,788 sqft Living Area
1st Floor Area1,372 sqft
Basement Area416 sqft
Unfinished Basement416 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1890
Effective Year BuiltEffective 1890
Exterior MaterialWood
Lot Area12,371 sqft (0.284 acres)
Lot Dimensions165 ft deep x 75 ft wide
Garage Area252 sqft
Parking Spaces1 Parking Space
Total Buildings2 Buildings

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C

Location & Zoning

Street Address532 E HAMMOND ST
CityOTSEGO
StateMI
Zip49078-1509
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR-B
Legal DescriptionLOT 15 & ALSO E 1/2 LOT 14 BLOCK E HOMESTEAD ADDITION.
Legal SubdivisionBLOCK E HOMESTEAD ADD
Legal BlockE
Legal Lot Number14-15
JurisdictionALLEGAN MI
Township / Civil DivisionOTSEGO
Census Block Group2
Census Block2016
Census Tract31900

Owner

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 Record2 Individual Names on Record
Mailing Address532 E HAMMOND ST, OTSEGO, MI 49078-1509
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jun 30, 2026Deed of Trust, Mortgage · FHA Mortgage
NONE LISTED ON DOCUMENT
Aug 1, 2022Deed of Trust, Mortgage · FHA Mortgage
DEPARTMENT OF HOUSING & URBAN DEV
Mar 15, 2018Warranty Deed, Transfer · FHA Mortgage
NORTHERN MORTGAGE SERVICES INC
Jan 19, 2017Intrafamily Transfer, Transfer
ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMar 15, 2018 · Amount on Record
Deed SaleMar 15, 2018 · Amount on Record
Prior SaleJul 20, 1993 · Amount on Record
Deed Book / Page4228 / 758
Prior Transfer DateJan 18, 2017
Prior Transfer Doc4106/747
Record UpdatedOct 29, 2026

June 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionALLEGAN MI
Recording DateJun 30, 2026
Property Address532 E HAMMOND ST, OTSEGO, MI 49078-1509
Document Number0000010840
Book / Page5151 / 330
Instrument DateJun 19, 2026
Instrument202610840
Transaction TypeMortgage
Record UpdatedJul 15, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

NameVerified Name
Address532 E HAMMOND ST, OTSEGO, MI 49078-1509

Mortgage

Document Number0000010840,
DateJun 30, 2026
Book Page5151/330
Instrument202610840
Lender
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term313 Months
DueJul 1, 2052
Interest
Rate6.51%
Max Rate-1%

August 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionALLEGAN MI
Property Address532 E HAMMOND ST, OTSEGO, MI 49078-1509
Transaction TypeMortgage
Record UpdatedAug 10, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address532 E HAMMOND ST, OTSEGO, MI 49078-1509

Mortgage

Document Number004784/285
DateAug 1, 2022
Book Page4784/285
Instrument2022015033
Lender
NameDEPARTMENT OF HOUSING & URBAN DEV
TypeGovernment Agency
AddressWASHINGTON, DC 20410
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term359 Months
DueJul 1, 2052

March 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionALLEGAN MI
Recording DateMar 15, 2018
Property Address532 E HAMMOND ST, OTSEGO, MI 49078-1509
Document Number004228/758
Book / Page4228 / 758
Map ReferenceLB2 PG22
Instrument DateMar 6, 2018
Transaction TypeTransfer
Record UpdatedMay 3, 2022
Title CompanyTITLE RESOURCE AGENCY, TITLE RE SOURCE AGENCY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,075.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address532 E HAMMOND ST, 532, OTSEGO, MI 49078-1509

Transferred To (Grantee/Buyer)

NameVerified Name
Address718 KAY ST, OTSEGO, MI 49078-1523

Mortgage

Document Number0004228761
DateMar 15, 2018
Instrument4228/761
Lender
NameNORTHERN MORTGAGE SERVICES INC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueApr 1, 2048

January 2017: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionALLEGAN MI
Recording DateJan 19, 2017
Property Address532 E HAMMOND ST, OTSEGO, MI 49078-1509
Document Number4106/747
Book / Page4106 / 747
Instrument DateJan 18, 2017
Transaction TypeTransfer
Record UpdatedAug 3, 2021
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address1602 SOUTHPOINTE TRL, OTSEGO, MI 49078-9323

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateMichigan
CountyAllegan County
MunicipalityOtsego City
Unified School DistrictOtsego Public Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$104,800 (-0.19%) Land $14,700 Building $90,100$209,600 (-0.19%) Land $29,400 Building $180,200
2025$2,833.00 (+2.5%) Homeowner's exemption$105,000 (+30.11%) Land $12,400 Building $92,600$210,000 (+30.11%) Land $24,800 Building $185,200
2024$2,764.00 (+16.77%)
2023$80,700 Land $6,900 Building $73,800$161,400 Land $13,800 Building $147,600
2022$2,367.00

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

Flood

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

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

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

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 80% of the US · above 51% of Michigan
Wildfire Likelihood0.01% annual chance
ExposureNone
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 SystemOTSEGO
serves 4,120 people · EPA ID MI0005060
Water SourceGroundwater
Last State InspectionApr 2025
LeadUnder 1 ppb (2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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

ProviderMax 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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