Allegan County property record for 640 Ely St, Allegan, MI 49010
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,473 sqft · built 1920 |
| Lot Size | 0.324 acres (14,113 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $92,000 (Jan 2019) |
| Tax Bill | $1,960 (2025) |
| Deeds & Mortgages | Mar 2020 Mortgage Jul 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 51-100-069-00 |
| Primary APN | 51-100-069-00 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 1,473 sqft Living Area |
| 1st Floor Area | 1,023 sqft |
| Basement Area | 684 sqft |
| Unfinished Basement | 684 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Custom Design |
| Exterior Material | Wood |
| Foundation Type | No Foundation |
| Lot Area | 14,113 sqft (0.324 acres) |
| Lot Dimensions | 235 ft deep x 60 ft wide |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 640 ELY ST |
|---|---|
| City | ALLEGAN |
| State | MI |
| Zip | 49010-1514 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 SFR |
| Legal Description | COM 297' W OF SE COR SW 1/4 SE 1/4 TH N 156.6' TO POB TH E 61.4' TH N 49.66' TH E 109.73' TH S 56 1/2 DEG E TO ELY ST TH SWLY ALG SD ST TO A PT 99' N OF S SEC LINE TH W TO A PT 57.6' S OF POB TH N 57.6' TO POB SEC 29 T2N R13W (88) |
| Legal Range | 13W |
| Legal Township | 02N |
| Legal Section | 29 |
| Jurisdiction | ALLEGAN MI |
| Township / Civil Division | ALLEGAN |
| Census Block Group | 4 |
| Census Block | 4028 |
| Census Tract | 31200 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 640 ELY ST, ALLEGAN, MI 49010-1514 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 17, 2020 | Deed of Trust, Mortgage · Conventional Mortgage UNION HOME MORTGAGE CORP |
| Jul 27, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UNION HOME MORTGAGE CORP |
| Jan 3, 2019 | Warranty Deed, Transfer · Conventional Mortgage UNION HOME MORTGAGE CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 3, 2019 · Amount on Record |
| Deed Sale | Jan 3, 2019 · Amount on Record |
| Prior Sale | Jan 1, 1990 |
| Deed Book / Page | 4312 / 885 |
| Prior Transfer Date | May 13, 2004 |
| Prior Transfer Doc | 2689000694 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALLEGAN MI |
| Property Address | 640 ELY ST, ALLEGAN, MI 49010-1514 |
| Transaction Type | Mortgage |
| Record Updated | May 3, 2022 |
| Name | Verified Name |
|---|
| Document Number | 004440/729 |
|---|---|
| Date | Mar 17, 2020 |
| Book Page | 4440/729 |
| Name | UNION HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | STRONGSVILLE, OH 44136 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Apr 1, 2040 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALLEGAN MI |
| Property Address | 640 ELY ST, ALLEGAN, MI 49010-1514 |
| Transaction Type | Mortgage |
| Record Updated | May 3, 2022 |
| Title Company | CRISLO TITLE COMPANY, CISLO TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 640 ELY ST, ALLEGAN, MI 49010-1514 |
| Document Number | 0004650/66 |
|---|---|
| Date | Jul 27, 2021 |
| Book Page | 4650/66 |
| Name | UNION HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | STRONGSVILLE, OH 44136 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Aug 1, 2041 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ALLEGAN MI |
| Recording Date | Jan 3, 2019 |
| Property Address | 640 ELY ST, ALLEGAN, MI 49010-1514 |
| Document Number | 004312/885 |
| Book / Page | 4312 / 885 |
| Instrument Date | Dec 12, 2018 |
| Transaction Type | Transfer |
| Record Updated | May 3, 2022 |
| Title Company | ATA NATIONAL TITLE GROUP LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $791.20 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1001 GARY ST NW, 1001, CLEVELAND, TN 37311-4229 |
| Name | Verified Name |
|---|---|
| Address | 2020 116TH AVE, ALLEGAN, MI 49010-9073 |
| Document Number | 0004312888 |
|---|---|
| Date | Jan 3, 2019 |
| Instrument | 4312/888 |
| Name | UNION HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2049 |
Source: Allegan County assessment roll, as of September 9, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Allegan County |
| Municipality | Allegan City |
| Unified School District | Allegan Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $80,600 (+3.73%) Land $21,800 Building $58,800 | $161,200 (+3.73%) Land $43,600 Building $117,600 | |
| 2025 | $1,960.00 (+2.3%) Homeowner's exemption | $77,700 (+19.72%) Land $20,600 Building $57,100 | $155,400 (+19.72%) Land $41,200 Building $114,200 |
| 2024 | $1,916.00 (+9.86%) | ||
| 2023 | $64,900 Land $18,500 Building $46,400 | $129,800 Land $37,000 Building $92,800 | |
| 2022 | $1,744.00 |
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 | Direct burnable vegetation |
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 | ALLEGAN serves 5,930 people · EPA ID MI0000120 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Nov 2025 |
| Lead | 2 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Corrosion control Jul 2021 |
| Monitoring and Reporting | None 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 125 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
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