620 S North St, Otsego, MI 49078 Property Records

Allegan County property record for 620 S North St, Otsego, MI 49078

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,033 sqft · built 1946
Lot Size	0.45 acres (19,602 sqft)
Owner	Individual Name on File
Last Sale	$200,000 (Jun 2023)
Tax Bill	$4,456 (2025)
Deeds & Mortgages	Jun 2023 Sale & Mortgage May 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`54-700-017-00`

Property Details

APN / Parcel Number

Primary APN	`54-700-017-00`
Alternative APN	`03-54-700-017-00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,033 sqft Living Area
1st Floor Area	1,033 sqft
Basement Area	397 sqft
Unfinished Basement	397 sqft

Exterior

Year Built	Built 1946
Effective Year Built	Effective 1946
Architectural Style	Ranch
Exterior Material	Wood
Foundation Type	No Foundation
Lot Area	19,602 sqft (0.45 acres)
Lot Dimensions	172 ft deep x 114 ft wide
Garage Area	840 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	620 S NORTH ST
City	OTSEGO
State	MI
Zip	49078-1421
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-B
Legal Description	LOTS 17 & 18 RAVEN'S ADD EX A STRIP OF LAND BEG AT NE COR OF LOT 18 TH SW'LY 6 FT TH W PPL WITH N LIN OF SD LOT 115.8 FT TH N 6 FT TO N LIN OF SD LOT TH E TO BEG RAVEN'S ADD.
Legal Subdivision	RAVENS ADD
Jurisdiction	ALLEGAN MI
Township / Civil Division	OTSEGO
Census Block Group	4
Census Block	4013
Census Tract	31800

Owner

620 S North St is owned and occupied by an individual who bought it in June 2023.

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

Owner of Record	Individual Name on File
Mailing Address	620 S NORTH ST, OTSEGO, MI 49078-1421
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
Jun 23, 2023	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
May 22, 2019	Warranty Deed, Transfer · Conventional Mortgage PRIMELENDING
Mar 20, 2018	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 23, 2023 · Amount on File
Deed Sale	Jun 23, 2023 · Amount on File
Prior Sale	May 22, 2019 · Amount on File
Deed Document Number	20239117
Deed Book / Page	4866 / 382
Prior Transfer Date	Mar 13, 2018
Prior Transfer Doc	4229/667
Record Updated	Oct 29, 2026

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEGAN MI
Recording Date	Jun 23, 2023
Property Address	620 S NORTH ST, OTSEGO, MI 49078-1421
Document Number	004866/382
Book / Page	4866 / 382
Map Reference	LB 2 PG 61
Instrument Date	Jun 15, 2023
Instrument	2023009117
Transaction Type	Transfer
Record Updated	Jul 12, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,500.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3226 4TH ST, WAYLAND, MI 49348-9515

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	620 S NORTH ST, OTSEGO, MI 49078-1421

Mortgage

Document Number	2023009118
Date	Jun 23, 2023
Instrument	2023009118

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2053

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEGAN MI
Recording Date	May 22, 2019
Property Address	620 S NORTH ST, OTSEGO, MI 49078-1421
Document Number	004346/192
Book / Page	4346 / 192
Map Reference	LB 2 PG 61
Instrument Date	May 10, 2019
Transaction Type	Transfer
Record Updated	May 3, 2022

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,290.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	620 S NORTH ST, 620, OTSEGO, MI 49078-1421

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1025 W ALLEGAN ST, MARTIN, MI 49070-9759

Mortgage

Document Number	0004346197
Date	May 22, 2019
Instrument	4346/197

Lender

Name	PRIMELENDING
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2049

March 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ALLEGAN MI
Recording Date	Mar 20, 2018
Property Address	620 S NORTH ST, OTSEGO, MI 49078-1421
Document Number	4229/667
Book / Page	4229 / 667
Map Reference	LB2 PG61
Instrument Date	Mar 13, 2018
Transaction Type	Transfer
Record Updated	Jun 6, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	620 S NORTH ST, OTSEGO, MI 49078-1421

Tax Assessment & Valuation

The 2025 property tax bill for 620 S North St was $4,456 with a homeowner's exemption, up 3.9% from the year before.

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		$108,900 (+2.16%) Land $19,000 Building $89,900	$217,800 (+2.16%) Land $38,000 Building $179,800
2025	$4,456.00 (+3.94%) Homeowner's exemption	$106,600 Land $16,900 Building $89,700	$213,200 Land $33,800 Building $179,400
2024	$4,287.00
2023		$83,200 (+7.91%) Land $9,600 Building $73,600	$166,400 (+7.91%) Land $19,200 Building $147,200
2022	$2,962.00 Homeowner's exemption	$77,100 Land $9,600 Building $67,500	$154,200 Land $19,200 Building $135,000

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 620 S North St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 620 S North 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	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 476 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
T-Mobile Fixed Wireless	100 / 20

May also be available: 123.NET.

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