710 Howard St, Otsego, MI 49078 Property Records

Allegan County property record for 710 Howard St, Otsego, MI 49078

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,693 sqft · built 1956
Lot Size	0.267 acres (11,631 sqft)
Owner	2 Individual Names on Record
Last Sale	$190,000 (Jul 2019)
Tax Bill	$4,048 (2025)
Deeds & Mortgages	Jul 2019 Sale & Mortgage May 2018 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`54-851-003-00`

Property Details

APN / Parcel Number

Primary APN	`54-851-003-00`
Alternative APN	`03-54-851-003-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,693 sqft Living Area
1st Floor Area	1,693 sqft
Basement Area	1,693 sqft
Unfinished Basement	1,693 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Architectural Style	Ranch
Exterior Material	Wood
Lot Area	11,631 sqft (0.267 acres)
Lot Dimensions	155 ft deep x 75 ft wide
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	710 HOWARD ST
City	OTSEGO
State	MI
Zip	49078-1521
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-A
Legal Description	LOT 3 & S 9 FT OF LOTS 1 & 2 BLOCK 1 HOWARD C YOUNG ADDITION TO CITY OF OTSEGO. (64).
Legal Subdivision	HOWARD C YOUNG ADD
Legal Block	1
Legal Lot Number	1-3
Jurisdiction	ALLEGAN MI
Township / Civil Division	OTSEGO
Census Block Group	3
Census Block	3020
Census Tract	31900

Owner

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	2 Individual Names on Record
Mailing Address	710 HOWARD ST, OTSEGO, MI 49078-1521
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 1, 2019	Warranty Deed, Transfer · Conventional Mortgage PACOR MORTGAGE CORP
May 2, 2018	Intrafamily Transfer, Transfer
Aug 28, 2017	Intrafamily Transfer, Transfer DEVON TITLE COMPANY, DEVON TITLE AGENCY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 1, 2019 · Amount on Record
Deed Sale	Jul 1, 2019 · Amount on Record
Prior Sale	Sep 1, 2004 · Amount on Record
Deed Book / Page	4357 / 426
Prior Transfer Date	May 1, 2018
Prior Transfer Doc	4241/859
Record Updated	Oct 29, 2026

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEGAN MI
Recording Date	Jul 1, 2019
Property Address	710 HOWARD ST, OTSEGO, MI 49078-1521
Document Number	004357/426
Book / Page	4357 / 426
Map Reference	LB 6 PG 45
Instrument Date	Jun 21, 2019
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,634.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	710 HOWARD ST, 710, OTSEGO, MI 49078-1521

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3447 W B AVE, PLAINWELL, MI 49080-8605

Mortgage

Document Number	0004357430
Date	Jul 1, 2019
Instrument	4357/430

Lender

Name	PACOR MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2049

May 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ALLEGAN MI
Recording Date	May 2, 2018
Property Address	710 HOWARD ST, OTSEGO, MI 49078-1521
Document Number	4241/859
Book / Page	4241 / 859
Map Reference	LB6 PG45
Instrument Date	May 1, 2018
Transaction Type	Transfer
Record Updated	Aug 3, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7000 W D AVE, 7000, KALAMAZOO, MI 49009-8873

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	727 CLARA ST, OTSEGO, MI 49078-1513

August 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ALLEGAN MI
Recording Date	Aug 28, 2017
Property Address	710 HOWARD ST, OTSEGO, MI 49078-1521
Document Number	4171/293
Book / Page	4171 / 293
Map Reference	LB6 PG45
Instrument Date	Jan 23, 2006
Transaction Type	Transfer
Record Updated	Aug 3, 2021
Title Company	DEVON TITLE COMPANY, DEVON TITLE AGENCY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	710 HOWARD ST, 710, OTSEGO, MI 49078-1521

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	710 HOWARD ST, OTSEGO, MI 49078-1521

Tax Assessment & Valuation

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		$128,400 (+0.08%) Land $14,200 Building $114,200	$256,800 (+0.08%) Land $28,400 Building $228,400
2025	$4,048.00 (+2.48%) Homeowner's exemption	$128,300 (+31.45%) Land $12,000 Building $116,300	$256,600 (+31.45%) Land $24,000 Building $232,600
2024	$3,950.00 (+16.79%)
2023		$97,600 Land $6,700 Building $90,900	$195,200 Land $13,400 Building $181,800
2022	$3,382.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective June 21, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	7 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

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	None beyond ember reach

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 195 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Surf Internet Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: 123.NET, Mercury Fiber.

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