548 19th St, Otsego, MI 49078 Property Records

Allegan County property record for 548 19th St, Otsego, MI 49078

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,500 sqft · built 1995
Lot Size	0.908 acres (39,552 sqft)
Owner	Individual Name on File
Last Sale	$168,250 (Nov 2017)
Tax Bill	$3,561 (2025)
Deeds & Mortgages	Jun 2020 Mortgage Nov 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`17-480-009-00`

Property Details

APN / Parcel Number

Primary APN	`17-480-009-00`
Alternative APN	`03-17-480-009-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,500 sqft Living Area
1st Floor Area	1,500 sqft
Basement Area	1,500 sqft
Unfinished Basement	1,500 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Ranch
Exterior Material	Wood Siding
Lot Area	39,552 sqft (0.908 acres)
Lot Dimensions	197 ft deep x 200 ft wide
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Total Buildings	3 Buildings

Utilities, Heating & Cooling

Heating System	Hot Water

Location & Zoning

Street Address	548 19TH ST
City	OTSEGO
State	MI
Zip	49078-9313
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES
Legal Description	LOTS 8 & 9 RIVER GROVE SUBDIVISION SEC 20 & 21 T1N R12W (95)
Legal Range	12W
Legal Township	01N
Legal Section	02
Legal Subdivision	RIVER GROVE
Legal Lot Number	8-9
Jurisdiction	ALLEGAN MI
Township / Civil Division	OTSEGO
Census Block Group	1
Census Block	1017
Census Tract	31800

Owner

548 19th St is owned and occupied by an individual who acquired it in November 2023.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	548 19TH ST, OTSEGO, MI 49078-9313
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 8, 2020	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS INC
Nov 1, 2017	Quit Claim Deed, Transfer · FHA Mortgage QUICKEN LOANS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 1, 2017 · Amount on File
Deed Sale	Nov 1, 2017 · Amount on File
Prior Sale	Oct 31, 2003 · Amount on File
Deed Document Number	20174192-276
Deed Book / Page	4192 / 276
Last Transfer Date	Nov 8, 2023
Transfer Doc	0000016613
Record Updated	Oct 29, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGAN MI
Property Address	548 19TH ST, OTSEGO, MI 49078-9313
Transaction Type	Mortgage
Record Updated	Jun 18, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	4469/968
Date	Jun 8, 2020
Book Page	4469/968

Lender

Name	QUICKEN LOANS INC
Type	Mortgage Company
Address	DETROIT, MI 48222

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2050

November 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ALLEGAN MI
Recording Date	Nov 1, 2017
Property Address	548 19TH ST, OTSEGO, MI 49078-9313
Document Number	4192/276
Book / Page	4192 / 276
Map Reference	LB6 PG55
Instrument Date	Oct 26, 2017
Instrument	4192-276
Transaction Type	Transfer
Record Updated	Aug 3, 2021
Title Company	CHICAGO TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,449.10
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	548 19TH ST, 548, OTSEGO, MI 49078-9313

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1140 10TH ST, MARTIN, MI 49070-9748

Mortgage

Document Number	4192278
Date	Nov 1, 2017
Instrument	4192-278

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 548 19th St was $3,561 with a homeowner's exemption.

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		$153,800 Land $8,300 Building $145,500	$307,600 Land $16,600 Building $291,000
2025	$3,561.00
2023		$124,300 Land $8,100 Building $116,200	$248,600 Land $16,200 Building $232,400
2022	$2,926.00

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

Flood

FEMA maps place 548 19th St in Zone X, an area of minimal flood risk, within 100 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 100 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 548 19th 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 53 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
123.NET Fiber	6,000 / 6,000
Spectrum Cable	1,000 / 1,000

May also be available: Mercury Fiber.

Cell Coverage

5G (outdoors only) and 4G LTE

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