538 E Hammond St, Otsego, MI 49078 Property Records

Allegan County property record for 538 E Hammond St, Otsego, MI 49078

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,658 sqft · built 1880
Lot Size	0.322 acres (14,026 sqft)
Owner	Company Name on Record
Last Sale	$92,296 (Dec 2024)
Tax Bill	$6,256 (2025)
Deeds & Mortgages	Apr 2023 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`54-455-017-00`

Property Details

APN / Parcel Number

Primary APN	`54-455-017-00`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	2,658 sqft Living Area
1st Floor Area	2,346 sqft
Basement Area	887 sqft
Unfinished Basement	887 sqft

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Exterior Material	Wood Siding
Foundation Type	No Foundation
Lot Area	14,026 sqft (0.322 acres)
Lot Dimensions	165 ft deep x 85 ft wide
Garage Area	1,408 sqft
Parking Spaces	2 Parking Spaces
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	538 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	LOTS 17, 18 EX E 15 FT OF LOT 18 BK. E HOMESTEAD ADDITION.
Legal Subdivision	BK E HOMESTEAD ADD
Legal Lot Number	17-18
Jurisdiction	ALLEGAN MI
Township / Civil Division	OTSEGO
Census Block Group	2
Census Block	2016
Census Tract	31900

Owner

Source: Allegan County records, as of June 25, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	538 E HAMMOND ST, OTSEGO, MI 49078-1509
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 23, 2024 · Amount on Record
Deed Sale	Dec 23, 2024 · Amount on Record
Prior Sale	Apr 27, 2023 · Amount on Record
Deed Document Number	202419037
Deed Book / Page	5000 / 97
Record Updated	Sep 20, 2026

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEGAN MI
Recording Date	Apr 27, 2023
Property Address	538 E HAMMOND ST, OTSEGO, MI 49078-1509
Document Number	004851/979
Book / Page	4851 / 979
Instrument Date	Apr 18, 2023
Instrument	2023006043
Transaction Type	Transfer
Record Updated	May 11, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$900.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	229 W VAN BRUGGEN ST, PLAINWELL, MI 49080-1168

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	538 E HAMMOND ST, OTSEGO, MI 49078-1509

Mortgage

Document Number	2023005867
Date	Apr 27, 2023
Instrument	2023005867

Lender

Name	UNITED BANK OF MICHIGAN
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Allegan County assessment roll, as of June 25, 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		$100,200 (+29.29%) Land $16,600 Building $83,600	$200,400 (+29.29%) Land $33,200 Building $167,200
2025	$6,256.00 (+118.66%)
2023		$77,500 Land $7,800 Building $69,700	$155,000 Land $15,600 Building $139,400
2022	$2,861.00

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 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

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 274 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Surf Internet Fiber	8,000 / 8,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Mercury Fiber Fixed Wireless	150 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: 123.NET.

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