Allegan County property record for 628 Ruby St, Otsego, MI 49078 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bathrooms | 2 Baths |
| Architecture Style | Ranch |
| Square Footage | 1,344 sqft Living Area |
| Lot Size | 17,947 sqft (0.412 acres) |
| Garage | 768 sqft |
| Occupancy | Owner Occupied |
| Last Sale | $107,500 (1998) |
| Tax Bill | $2,120.00 (2025) |
| Primary APN | 17-461-042-00 |
|---|
| Full Baths | 2 Baths |
|---|---|
| Building Area | 1,344 sqft Living Area |
| 1st Floor | 1,344 sqft 1st Floor |
| Basement Area | 1,344 sqft Basement |
| Unfinished Basement | 1,344 sqft Unfinished |
| Stories | 1 Stories |
| Architectural Style | Ranch Style |
|---|---|
| Exterior Material | Wood Siding Exterior |
| Lot Area | 17,947 sqft (0.412 acres) |
| Depth X Width | 169 ft x 106 ft Depth x Width |
| Parking Spaces | 3 Parking Spaces |
| Garage Area | 768 sqft Garage |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | Forced Air with Air Conditioning Heating |
| Street Address | 628 RUBY ST |
|---|---|
| City | OTSEGO |
| State | MI |
| Zip | 49078-1534 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LOT 42 RIDGE BROOK SUBDIVISION NO. 1 SEC 26 T1N R12W. |
| Legal Range | 12W |
| Legal Township | 01N |
| Legal Section | 26 |
| Legal Subdivision | RIDGE BROOK |
| Legal Lot Number | 42 |
| Jurisdiction | ALLEGAN MI |
| Minor Civil Division | OTSEGO |
| Census Blockgroup | 3 |
| Census Block | 3030 |
| Census Tract | 31900 |
Source: Allegan County records · APN 17-461-042-00
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 628 RUBY ST, OTSEGO, MI 49078-1534 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Nov 12, 2025 | Deed of Trust, Mortgage · Stand Alone Second Mortgage ARBOR FINANCIAL CU |
| Jan 04, 2023 | Deed of Trust, Mortgage · Line of Credit ARBOR FINANCIAL CU |
| Nov 03, 2021 | Deed of Trust, Mortgage · Line of Credit ARBOR FINANCIAL CU |
| Mar 04, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ARBOR FINANCIAL CU |
| Apr 24, 2018 | Deed of Trust, Mortgage · Line of Credit ARBOR FINANCIAL CU |
| May 19, 2017 | Deed of Trust, Mortgage · Conventional Mortgage ARBOR FINANCIAL CU |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Known Transactions |
|
| Deed Doc Number | 19981 |
| Deed Book / Page | 1781 / 186 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALLEGAN MI |
| Property Address | 628 RUBY ST, OTSEGO, MI 49078-1534 |
| Transaction Type | Mortgage |
| Record Updated | Nov 21, 2025 |
| Name | Verified Name |
|---|---|
| Address | 628 RUBY ST, OTSEGO, MI 49078-1534 |
| Document Number | 005086/124 |
|---|---|
| Date | Nov 12, 2025 |
| Book Page | 5086/124 |
| Instrument | 2025018158 |
| Name | ARBOR FINANCIAL CU |
|---|---|
| Type | Credit Union |
| Address | KALAMAZOO, MI 49009 |
| Type | Stand Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Nov 01, 2040 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALLEGAN MI |
| Property Address | 628 RUBY ST, OTSEGO, MI 49078-1534 |
| Transaction Type | Mortgage |
| Record Updated | Jan 13, 2023 |
| Title Company | CHICAGO TITLE |
| Name | Verified Name |
|---|
| Document Number | 004827/544 |
|---|---|
| Date | Jan 04, 2023 |
| Book Page | 4827/544 |
| Instrument | 2023000162 |
| Name | ARBOR FINANCIAL CU |
|---|---|
| Type | Credit Union |
| Address | KALAMAZOO, MI 49009 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jan 25, 2043 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALLEGAN MI |
| Property Address | 628 RUBY ST, OTSEGO, MI 49078-1534 |
| Transaction Type | Mortgage |
| Record Updated | Nov 17, 2021 |
| Title Company | E-CHICAGO TITLE, CHICAGO TITLE |
| Name | Verified Name |
|---|
| Document Number | 4692/76 |
|---|---|
| Date | Nov 03, 2021 |
| Book Page | 4692/76 |
| Name | ARBOR FINANCIAL CU |
|---|---|
| Type | Credit Union |
| Address | KALAMAZOO, MI 49009 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Nov 25, 2041 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALLEGAN MI |
| Property Address | 628 RUBY ST, OTSEGO, MI 49078-1534 |
| Transaction Type | Mortgage |
| Record Updated | Mar 17, 2021 |
| Name | Verified Name |
|---|
| Document Number | 4585/721 |
|---|---|
| Date | Mar 04, 2021 |
| Book Page | 4585/721 |
| Name | ARBOR FINANCIAL CU |
|---|---|
| Type | Credit Union |
| Address | BEDFORD, MI 49020 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 84 Months |
| Due | Mar 01, 2028 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALLEGAN MI |
| Property Address | 628 RUBY ST, OTSEGO, MI 49078-1534 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 4239/879 |
|---|---|
| Date | Apr 24, 2018 |
| Book Page | 4239/879 |
| Name | ARBOR FINANCIAL CU |
|---|---|
| Type | Credit Union |
| Address | KALAMAZOO, MI 49009 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Apr 25, 2038 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALLEGAN MI |
| Property Address | 628 RUBY ST, OTSEGO, MI 49078-1534 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 4141/646 |
|---|---|
| Date | May 19, 2017 |
| Book Page | 4141/646 |
| Name | ARBOR FINANCIAL CU |
|---|---|
| Type | Credit Union |
| Address | KALAMAZOO, MI 49009 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | May 01, 2032 |
Source: Allegan County records · Assessment roll updated June 25, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Allegan County |
| County Subdivision | Otsego Township |
| Unified School District | Otsego Public Schools (PK - 12) |
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 | $112,400 (+34.77%) Land $8,700 Building $103,700 | $224,800 (+34.77%) Land $17,400 Building $207,400 | |
| 2025 | $2,120.00 (+21.77%) | ||
| 2023 | $83,400 Land $7,400 Building $76,000 | $166,800 Land $14,800 Building $152,000 | |
| 2022 | $1,741.00 |
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