Allegan County property record for 549 E Hammond St, Otsego, MI 49078
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,576 sqft · built 1870 |
| Lot Size | 0.214 acres (9,322 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $85,000 (Aug 2003) |
| Tax Bill | $2,348 (2025) |
| Deeds & Mortgages | Sep 2026 Mortgage Oct 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 54-454-019-00 |
| Primary APN | 54-454-019-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 2 Stories |
| Building Area | 1,576 sqft Living Area |
| 1st Floor Area | 1,464 sqft |
| Basement Area | 414 sqft |
| Unfinished Basement | 414 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1870 |
|---|---|
| Effective Year Built | Effective 1870 |
| Exterior Material | Wood |
| Lot Area | 9,322 sqft (0.214 acres) |
| Lot Dimensions | 123 ft deep x 60 ft wide |
| Garage Area | 468 sqft |
| Parking Spaces | 2 Parking Spaces |
| Total Buildings | 2 Buildings |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 549 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 | LOT 19 ALSO W 14' OF S 123' LOT 18 BLK D HOMESTEAD ADDITION |
| Legal Subdivision | BLK D HOMESTEAD ADD |
| Legal Block | D |
| Legal Lot Number | 18-19 |
| Jurisdiction | ALLEGAN MI |
| Township / Civil Division | OTSEGO |
| Census Block Group | 2 |
| Census Block | 2015 |
| Census Tract | 31900 |
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 | 549 E HAMMOND ST, OTSEGO, MI 49078-1508 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 8, 2026 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Oct 20, 2021 | Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORPORATION |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 1, 2003 · Amount on Record |
| Deed Sale | Aug 1, 2003 · Amount on Record |
| Prior Sale | Apr 4, 1998 · Amount on Record |
| Deed Book / Page | 2518 / 809 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALLEGAN MI |
| Recording Date | Sep 8, 2026 |
| Property Address | 549 E HAMMOND ST, OTSEGO, MI 49078-1508 |
| Document Number | 0000015128 |
| Book / Page | 5173 / 141 |
| Instrument Date | Sep 2, 2026 |
| Instrument | 202615128 |
| Transaction Type | Mortgage |
| Record Updated | Sep 23, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 549 E HAMMOND ST, OTSEGO, MI 49078-1508 |
| Document Number | 0000015128, |
|---|---|
| Date | Sep 8, 2026 |
| Book Page | 5173/141 |
| Instrument | 202615128 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Oct 1, 2046 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALLEGAN MI |
| Property Address | 549 E HAMMOND ST, OTSEGO, MI 49078-1508 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2021 |
| Name | Verified Name |
|---|---|
| Address | 549 E HAMMOND ST, OTSEGO, MI 49078-1508 |
| Document Number | 4685/890 |
|---|---|
| Date | Oct 20, 2021 |
| Book Page | 4685/890 |
| Name | BETTER MORTGAGE CORPORATION |
|---|---|
| Type | Mortgage Company |
| Address | NEW YORK, NY 10007 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Nov 1, 2036 |
Source: Allegan County assessment roll, as of September 9, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Allegan County |
| Municipality | Otsego City |
| Unified School District | Otsego Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $104,600 (+28.66%) Land $11,400 Building $93,200 | $209,200 (+28.66%) Land $22,800 Building $186,400 | |
| 2025 | $2,348.00 (+19.67%) | ||
| 2023 | $81,300 Land $5,400 Building $75,900 | $162,600 Land $10,800 Building $151,800 | |
| 2022 | $1,962.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 |
| 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.
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 |
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