655 18th St, Otsego, MI 49078 Property Records

Allegan County property record for 655 18th St, Otsego, MI 49078

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,460 sqft · built 1920
Lot Size	10.4 acres (455,594 sqft)
Owner	Individual Name on File
Last Sale	$75,000 (Oct 2005)
Tax Bill	$1,837 (2025)
Flood Zone	Zone X (minimal risk)
APN	`17-015-013-00`

Property Details

APN / Parcel Number

Primary APN	`17-015-013-00`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,460 sqft Living Area
1st Floor Area	1,460 sqft
Basement Area	712 sqft
Unfinished Basement	712 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Ranch
Exterior Material	Wood Siding
Lot Area	455,594 sqft (10.4 acres)
Lot Dimensions	1,347 ft deep x 338 ft wide
Garage Area	552 sqft
Parking Spaces	2 Parking Spaces
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	655 18TH ST
City	OTSEGO
State	MI
Zip	49078-9759
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG
Legal Description	COM AT W 1/4 COR TH S 994.50' TH E 1327.46' TH S 331.32' TH W 1326.57' TH N 331.50' TO POB SEC 15 T1N R12W (06).
Legal Range	12W
Legal Township	01N
Legal Section	15
Jurisdiction	ALLEGAN MI
Township / Civil Division	OTSEGO
Census Block Group	2
Census Block	2002
Census Tract	31800

Owner

655 18th St is owned and occupied by an individual who bought it in October 2005.

Source: Allegan County records, as of June 25, 2026

Owner of Record	Individual Name on File
Mailing Address	655 18TH ST, OTSEGO, MI 49078-9759
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 13, 2005 · Amount on File
Deed Sale	Oct 13, 2005 · Amount on File
Deed Book / Page	2903 / 88
Record Updated	Sep 20, 2026

Tax Assessment & Valuation

The 2025 property tax bill for 655 18th St was $1,837 with a homeowner's exemption.

Source: Allegan County assessment roll, as of June 25, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$145,900 Land $37,400 Building $108,500	$291,800 Land $74,800 Building $217,000
2025	$1,837.00
2023		$106,600 Land $27,400 Building $79,200	$213,200 Land $54,800 Building $158,400
2022	$1,514.00

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

Flood

FEMA maps place 655 18th 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 655 18th 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	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 19 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20