628 S North St, Otsego, MI 49078 Property Records

Allegan County property record for 628 S North St, Otsego, MI 49078

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 864 sqft · built 1958
Lot Size	0.211 acres (9,191 sqft)
Owner	Individual Name on File
Last Sale	$127,000 (Jan 2021)
Tax Bill	$2,067 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Jan 2017 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`54-700-016-00`

Property Details

APN / Parcel Number

Primary APN	`54-700-016-00`
Alternative APN	`03-54-700-016-00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	864 sqft Living Area
1st Floor Area	864 sqft

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Architectural Style	Ranch
Exterior Material	Stucco
Lot Area	9,191 sqft (0.211 acres)
Lot Dimensions	148 ft deep x 62 ft wide
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	628 S NORTH ST
City	OTSEGO
State	MI
Zip	49078-1470
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-B
Legal Description	LOT 16 RAVEN'S ADDITION.
Legal Subdivision	RAVENS ADD
Legal Lot Number	16
Jurisdiction	ALLEGAN MI
Township / Civil Division	OTSEGO
Census Block Group	4
Census Block	4012
Census Tract	31800

Owner

628 S North St is owned and occupied by an individual who acquired it in July 2021.

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

Owner of Record	Individual Name on File
Mailing Address	628 S NORTH ST, OTSEGO, MI 49078-1470
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
Dec 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage CONSUMERS CU
Jan 3, 2017	Deed of Trust, Mortgage · Conventional Mortgage HONOR CU
Jul 19, 2021	Intrafamily Transfer, Transfer
Jan 4, 2021	Warranty Deed, Transfer TITLE RESOURCE AGENCY
Apr 6, 2018	Warranty Deed, Transfer · FHA Mortgage AMERIFIRST FINANCIAL CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 4, 2021 · Amount on File
Deed Sale	Jan 4, 2021 · Amount on File
Prior Sale	Apr 6, 2018 · Amount on File
Deed Book / Page	4559 / 108
Last Transfer Date	Jul 13, 2021
Transfer Doc	4646/754
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGAN MI
Property Address	628 S NORTH ST, OTSEGO, MI 49078-1470
Transaction Type	Mortgage
Record Updated	Jan 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004557/274
Date	Dec 28, 2020
Book Page	4557/274

Lender

Name	CONSUMERS CU
Type	Credit Union
Address	KALAMAZOO, MI 49009

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGAN MI
Property Address	628 S NORTH ST, OTSEGO, MI 49078-1470
Transaction Type	Mortgage
Record Updated	May 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004102/001
Date	Jan 3, 2017
Book Page	4102/001

Lender

Name	HONOR CU
Type	Credit Union
Address	BERRIEN SPRINGS, MI 49103

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2047

July 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ALLEGAN MI
Recording Date	Jul 19, 2021
Property Address	628 S NORTH ST, OTSEGO, MI 49078-1470
Document Number	4646/754
Book / Page	4646 / 754
Instrument Date	Jul 13, 2021
Transaction Type	Transfer
Record Updated	Jul 30, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	628 S NORTH ST, OTSEGO, MI 49078-1470

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEGAN MI
Recording Date	Jan 4, 2021
Property Address	628 S NORTH ST, OTSEGO, MI 49078-1470
Document Number	4559/108
Book / Page	4559 / 108
Instrument Date	Dec 23, 2020
Transaction Type	Transfer
Record Updated	Aug 3, 2021
Title Company	TITLE RESOURCE AGENCY

Transaction

Amount	Amount on Record
Tax	$1,092.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	628 S NORTH ST, 628, OTSEGO, MI 49078-1470

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	327 12TH ST APT B19, B19, PLAINWELL, MI 49080-1103
Investor	Possibly a Property Investor

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEGAN MI
Recording Date	Apr 6, 2018
Property Address	628 S NORTH ST, OTSEGO, MI 49078-1470
Document Number	004234/849
Book / Page	4234 / 849
Instrument Date	Mar 22, 2018
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	TITLE RESOURCE AGENCY, TITLE RESOURCE AGEMCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$731.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	628 S NORTH ST, 628, OTSEGO, MI 49078-1470

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6574 LAFOUNTAINE DR, PLAINWELL, MI 49080-8233

Mortgage

Document Number	0004234852
Date	Apr 6, 2018
Instrument	4234/852

Lender

Name	AMERIFIRST FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 628 S North St was $2,067 with a homeowner's exemption, up 5.7% 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		$64,700 (+3.03%) Land $11,300 Building $53,400	$129,400 (+3.03%) Land $22,600 Building $106,800
2025	$2,067.00 (+5.73%) Homeowner's exemption	$62,800 Land $10,100 Building $52,700	$125,600 Land $20,200 Building $105,400
2024	$1,955.00
2023		$47,400 Land $5,800 Building $41,600	$94,800 Land $11,600 Building $83,200
2022	$1,584.00

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 628 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 628 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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