538 Ely St, Allegan, MI 49010 Property Records

Allegan County property record for 538 Ely St, Allegan, MI 49010

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,960 sqft
Lot Size	0.375 acres (16,335 sqft)
Owner	2 Individual Names on File
Last Sale	$200,000 (Sep 2024)
Tax Bill	$4,665 (2025)
Deeds & Mortgages	Sep 2022 Mortgage Sep 2022 Sale
Flood Zone	Zone X (minimal risk)
APN	`51-125-007-00`

Property Details

APN / Parcel Number

Primary APN	`51-125-007-00`
Alternative APN	`03-51-125-007-00`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,960 sqft Living Area
1st Floor Area	1,260 sqft
Basement Area	952 sqft
Unfinished Basement	952 sqft

Exterior

Architectural Style	Custom Design
Exterior Material	Wood
Foundation Type	Raised
Lot Area	16,335 sqft (0.375 acres)
Lot Dimensions	165 ft deep x 99 ft wide
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	538 ELY ST
City	ALLEGAN
State	MI
Zip	49010-1421
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2 SFR
Legal Description	LOT 7 ALSO ELY ONE}HALF LOT 8 DAVIS PLAT TO CITY OF ALLEGAN
Legal Subdivision	DAVIS PLAT
Legal Lot Number	7-8
Jurisdiction	ALLEGAN MI
Township / Civil Division	ALLEGAN
Census Block Group	4
Census Block	4023
Census Tract	31200

Owner

538 Ely St is owned and occupied by two individuals who bought it in September 2024.

Source: Allegan County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	538 ELY ST, ALLEGAN, MI 49010-1421
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 23, 2022	Deed of Trust, Mortgage · Conventional Mortgage LAKE MICHIGAN CU
Sep 30, 2022	Warranty Deed, Transfer FIRST AMERICAN TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 30, 2024 · Amount on File
Deed Sale	Sep 30, 2024 · Amount on File
Prior Sale	Sep 30, 2022 · Amount on File
Deed Document Number	202414425
Deed Book / Page	4977 / 486
Prior Transfer Date	Feb 7, 2013
Prior Transfer Doc	003706/526
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGAN MI
Property Address	538 ELY ST, ALLEGAN, MI 49010-1421
Transaction Type	Mortgage
Record Updated	Jan 19, 2023
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	807 VALLEY AVE NW 2, 2, GRAND RAPIDS, MI 49504-4056

Mortgage

Document Number	004800/967
Date	Sep 23, 2022
Book Page	4800/967
Instrument	2022018536

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2052

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEGAN MI
Recording Date	Sep 30, 2022
Property Address	538 ELY ST, ALLEGAN, MI 49010-1421
Document Number	004802/900
Book / Page	4802 / 900
Map Reference	LB 2 PG 64
Instrument Date	Sep 15, 2022
Instrument	2022018970
Transaction Type	Transfer
Record Updated	Jan 19, 2023
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Tax	$1,312.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1071 CHIPPEWA ST, JENISON, MI 49428-7913

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	538 ELY ST, ALLEGAN, MI 49010-1421

Tax Assessment & Valuation

The 2025 property tax bill for 538 Ely St was $4,665 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	Allegan City
Unified School District	Allegan Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$110,300 Land $26,000 Building $84,300	$220,600 Land $52,000 Building $168,600
2025	$4,665.00
2023		$73,100 Land $22,100 Building $51,000	$146,200 Land $44,200 Building $102,000
2022	$2,077.00

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 538 Ely St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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 538 Ely 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	Direct burnable vegetation

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	ALLEGAN serves 5,930 people · EPA ID MI0000120
Water Source	Groundwater
Last State Inspection	Nov 2025
Lead	2 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control Jul 2021
Monitoring and Reporting	None 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 285 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Mercury Fiber.

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