532 River Rd, Otsego, MI 49078 Property Records

Allegan County property record for 532 River Rd, Otsego, MI 49078

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,976 sqft · built 1995
Lot Size	4.85 acres (211,484 sqft)
Owner	2 Individual Names on File
Last Sale	$369,000 (Oct 2024)
Tax Bill	$5,568 (2025)
Deeds & Mortgages	Sep 2022 Transfer Jan 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`17-020-008-10`

Property Details

APN / Parcel Number

Primary APN	`17-020-008-10`
Alternative APN	`03-17-020-008-10`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,976 sqft Living Area
1st Floor Area	1,576 sqft
Basement Area	1,576 sqft
Unfinished Basement	1,576 sqft

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Ranch
Exterior Material	Wood
Lot Area	211,484 sqft (4.85 acres)
Lot Dimensions	342 ft deep x 618 ft wide
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	532 RIVER RD
City	OTSEGO
State	MI
Zip	49078-9685
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG
Legal Description	COM AT E 1/4 PST TH S 88 DEG 37' 50 W 83.63' TO C/L RIVER RD TH N 46 DEG 47' 05 W ON SD C/L 1092.42' TO POB THIS DES TH CONT ON SD C/L 624.85' TO N & S 1/8 LIN NE 1/4 TH S 907.26' TH N 43 DEG 12' 55 E 657.80' TO POB SEC 20 T1N R12W (80)
Legal Range	12W
Legal Township	01N
Legal Section	20
Jurisdiction	ALLEGAN MI
Township / Civil Division	OTSEGO
Census Block Group	1
Census Block	1029
Census Tract	31800

Owner

532 River Rd is owned and occupied by two individuals who bought it in October 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	532 RIVER RD, OTSEGO, MI 49078-9685
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

Date	Document
Sep 29, 2022	Intrafamily Transfer, Transfer
Jan 4, 2022	Deed of Trust, Mortgage · Conventional Mortgage LAKE MICHIGAN CU
Sep 18, 2017	Deed of Trust, Mortgage · Line of Credit ARBOR FINANCIAL CU
Dec 6, 2019	Intrafamily Transfer, Transfer
Jun 20, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 1, 2024 · Amount on File
Deed Sale	Oct 1, 2024 · Amount on File
Prior Sale	Jun 20, 2017 · Amount on File
Deed Document Number	202414464
Deed Book / Page	4977 / 679
Prior Transfer Date	Jun 21, 2022
Prior Transfer Doc	004802/114
Record Updated	Oct 29, 2026

September 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ALLEGAN MI
Recording Date	Sep 29, 2022
Property Address	532 RIVER RD, OTSEGO, MI 49078-9685
Document Number	004802/114
Book / Page	4802 / 114
Instrument Date	Jun 21, 2022
Instrument	2022018813
Transaction Type	Transfer
Record Updated	Oct 7, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	532 RIVER RD, 532, OTSEGO, MI 49078-9685

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	532 RIVER RD, OTSEGO, MI 49078-9685

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGAN MI
Property Address	532 RIVER RD, OTSEGO, MI 49078-9685
Transaction Type	Mortgage
Record Updated	Jan 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	532 RIVER RD, OTSEGO, MI 49078-9685

Mortgage

Document Number	004715/872
Date	Jan 4, 2022
Book Page	4715/872
Instrument	2022000307

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union
Address	GRAND RAPIDS, MI 49501

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jan 1, 2037

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGAN MI
Property Address	532 RIVER RD, OTSEGO, MI 49078-9685
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	4177/486
Date	Sep 18, 2017
Book Page	4177/486

Lender

Name	ARBOR FINANCIAL CU
Type	Credit Union
Address	KALAMAZOO, MI 49009

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Sep 25, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ALLEGAN MI
Recording Date	Dec 6, 2019
Property Address	532 RIVER RD, OTSEGO, MI 49078-9685
Document Number	4409/718
Book / Page	4409 / 718
Instrument Date	Nov 14, 2019
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	323 WASHINGTON ST, 323, OTSEGO, MI 49078-1252

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	532 RIVER RD, OTSEGO, MI 49078-9685

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEGAN MI
Recording Date	Jun 20, 2017
Property Address	532 RIVER RD, OTSEGO, MI 49078-9685
Document Number	4150/788
Book / Page	4150 / 788
Instrument Date	Jun 1, 2017
Transaction Type	Transfer
Record Updated	Aug 3, 2021

Transaction

Amount	Amount on Record
Tax	$1,444.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	532 RIVER RD, 532, OTSEGO, MI 49078-9685

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	323 WASHINGTON ST, OTSEGO, MI 49078-1252

Tax Assessment & Valuation

The 2025 property tax bill for 532 River Rd was $5,568 with a homeowner's exemption, up 49% from the year before.

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

Property Jurisdictions

Type	Name
State	Michigan
County	Allegan County
County Subdivision	Otsego Township
Unified School District	Otsego Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$164,600 (+0.61%) Land $20,400 Building $144,200	$329,200 (+0.61%) Land $40,800 Building $288,400
2025	$5,568.00 (+48.96%) Homeowner's exemption	$163,600 Land $19,900 Building $143,700	$327,200 Land $39,800 Building $287,400
2024	$3,738.00
2023		$124,500 Land $18,600 Building $105,900	$249,000 Land $37,200 Building $211,800
2022	$3,151.00

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.

Flood

FEMA maps place 532 River Rd 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 532 River Rd 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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 16 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mercury Fiber Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Verizon Fixed Wireless	300 / 20

May also be available: 123.NET.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on River Rd

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