621 Ruby St, Otsego, MI 49078 Property Records

Allegan County property record for 621 Ruby St, Otsego, MI 49078 · Last verified July 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	2 Baths
Year Built	Built 1977
Square Footage	1,688 sqft Living Area
Lot Size	82,372 sqft (1.89 acres)
Occupancy	Owner Occupied
Last Sale	$280,000 (2016)
Tax Bill	$4,496.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`17-026-003-11`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,688 sqft Living Area
1st Floor	1,688 sqft 1st Floor
Basement Area	1,632 sqft Basement
Unfinished Basement	1,632 sqft Unfinished
Stories	1 Stories
Fireplace	Fireplace
Fireplaces	1 Fireplaces

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Ranch Style
Exterior Material	Wood Exterior
Lot Area	82,372 sqft (1.89 acres)
Depth X Width	390 ft x 211 ft Depth x Width
Parking Spaces	2 Parking Spaces
Garage Area	616 sqft Garage
Total Buildings	2 Total Buildings

Utilities and HVAC

Cooling System	HVAC Cooling
Heating System	Forced Air with Air Conditioning Heating

Location & Zoning

Street Address	621 RUBY ST
City	OTSEGO
State	MI
Zip	49078-1533
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	COM AT N 1/4 PST TH S 1552.02' TH S 84 DEG E 619.92' TO POB THIS DESC TH S 84 DEG E 231.43' TH N 383.04' TH W 230' TH S
Legal Range	12W
Legal Township	01N
Legal Section	26
Jurisdiction	ALLEGAN MI
Minor Civil Division	OTSEGO
Census Blockgroup	3
Census Block	3028
Census Tract	31900

Owner

Source: Allegan County records · APN 17-026-003-11

Assessment roll updated June 25, 2026 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	621 RUBY ST, OTSEGO, MI 49078-1533
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Oct 13, 2016 · Amount on Record
Deed Sale	Oct 13, 2016 · Amount on Record
Prior Sale	Apr 20, 1998 · Amount on Record
Deed Book / Page	4075 / 792
Prior Transfer Date	Mar 11, 2013
Prior Transfer Doc	3716/709
Record Refreshed	Sep 20, 2026

July 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ALLEGAN MI
Recording Date	Jul 15, 2026
Property Address	621 RUBY ST, OTSEGO, MI 49078-1533
Document Number	0000011850
Book / Page	5156 / 202
Instrument Date	Jul 09, 2026
Instrument	202611850
Transaction Type	Transfer
Record Updated	Jul 30, 2026
Title Company	TITLE AGENCY, SUN TITLE AGENCY

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Document

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	621 RUBY ST, OTSEGO, MI 49078-1533

Mortgage

Document Number	0000011851,
Date	Jul 15, 2026
Instrument	202611851

Lender

Name	LAKE MICHIGAN CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 01, 2056

Interest

Rate Type	Fixed Rate
Rate	6.48%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

Source: Allegan County records · Assessment roll updated June 25, 2026 · Last verified July 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$247,300 (+0.82%) Land $12,300 Building $235,000	$494,600 (+0.82%) Land $24,600 Building $470,000
2025	$4,496.00 (+2.84%) Homeowner's exemption	$245,300 (+32.95%) Land $12,300 Building $233,000	$490,600 (+32.95%) Land $24,600 Building $466,000
2024	$4,372.00 (+18.68%)
2023		$184,500 Land $11,200 Building $173,300	$369,000 Land $22,400 Building $346,600
2022	$3,684.00