543 E Hammond St, Otsego, MI 49078 Property Records

Allegan County property record for 543 E Hammond St, Otsego, MI 49078

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,601 sqft · built 1946
Lot Size	0.568 acres (24,742 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,246 (2025)
Deeds & Mortgages	Oct 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`54-454-020-00`

Property Details

APN / Parcel Number

Primary APN	`54-454-020-00`
Alternative APN	`03-54-454-020-00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,601 sqft Living Area
1st Floor Area	1,315 sqft
Basement Area	1,145 sqft
Unfinished Basement	1,145 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1946
Effective Year Built	Effective 1946
Architectural Style	Cape Cod
Exterior Material	Stucco
Foundation Type	No Foundation
Lot Area	24,742 sqft (0.568 acres)
Lot Dimensions	165 ft deep x 150 ft wide
Garage Area	960 sqft
Parking Spaces	4 Parking Spaces
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	543 E HAMMOND ST
City	OTSEGO
State	MI
Zip	49078-1508
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-B
Legal Description	LOTS 20, 21 & 22 INC. BLOCK D HOMESTEAD ADDITION.
Legal Subdivision	INC BLOCK D HOMESTEAD ADD
Legal Block	D
Legal Lot Number	20-22
Jurisdiction	ALLEGAN MI
Township / Civil Division	OTSEGO
Census Block Group	2
Census Block	2015
Census Tract	31900

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 Record	2 Individual Names on Record
Mailing Address	543 E HAMMOND ST, OTSEGO, MI 49078-1508
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Sep 20, 2022
Transfer Doc	004803/351
Record Updated	Oct 29, 2026

October 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ALLEGAN MI
Recording Date	Oct 3, 2022
Property Address	543 E HAMMOND ST, OTSEGO, MI 49078-1508
Document Number	004803/351
Book / Page	4803 / 351
Instrument Date	Sep 20, 2022
Instrument	2022019067
Transaction Type	Transfer
Record Updated	Oct 13, 2022
Title Company	F/C TITLE SERVICES LLC, FNC TITLE SERVICES LLC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	543 E HAMMOND ST, OTSEGO, MI 49078-1508

Mortgage

Document Number	0004803353
Date	Oct 3, 2022
Instrument	4803-353

Lender

Name	AMERICAN ADVISORS GROUP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	913 Months
Due	Nov 26, 2098

Interest

Rate Type	Adjustable Rate
Rate	7.22%
Adjustable	Adjustable Rate Rider
Type Change Date	Nov 1, 2022
Change Frequency	Monthly
Index	1-Year CMT
Max Rate	12.2%

Tax Assessment & Valuation

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		$119,300 (+3.02%) Land $29,300 Building $90,000	$238,600 (+3.02%) Land $58,600 Building $180,000
2025	$2,246.00 (+2.56%) Homeowner's exemption	$115,800 (+31.89%) Land $24,700 Building $91,100	$231,600 (+31.89%) Land $49,400 Building $182,200
2024	$2,190.00 (+16.74%)
2023		$87,800 Land $13,800 Building $74,000	$175,600 Land $27,600 Building $148,000
2022	$1,876.00

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 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