Allegan County property record for 732 Ruby St, Otsego, MI 49078 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1993 |
| Square Footage | 1,619 sqft Living Area |
| Lot Size | 16,161 sqft (0.371 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $394,000 (2025) |
| Tax Bill | $5,976.00 (2025) |
| Primary APN | 54-270-036-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,619 sqft Living Area |
| 1st Floor | 1,596 sqft 1st Floor |
| Basement Area | 1,596 sqft Basement |
| Unfinished Basement | 1,596 sqft Unfinished |
| Stories | 1 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 1993 |
| Architectural Style | Ranch Style |
| Exterior Material | Stucco Exterior |
| Lot Area | 16,161 sqft (0.371 acres) |
| Depth X Width | 140 ft x 115 ft Depth x Width |
| Parking Spaces | 5 Parking Spaces |
| Garage Area | 1,280 sqft Garage |
| Heating System | Forced Air with Air Conditioning Heating |
|---|
| Street Address | 732 RUBY ST |
|---|---|
| City | OTSEGO |
| State | MI |
| Zip | 49078-1567 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LOT 36 ELEY ACRES #2 SEC 26 T1N R12W (90) |
| Legal Range | 12W |
| Legal Township | 01N |
| Legal Section | 26 |
| Legal Subdivision | ELEY ACRES II |
| Legal Lot Number | 36 |
| Jurisdiction | ALLEGAN MI |
| Minor Civil Division | OTSEGO |
| Census Blockgroup | 3 |
| Census Block | 3011 |
| Census Tract | 31900 |
Source: Allegan County records · APN 54-270-036-00
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 | 5571 MEADOWSTONE DR, A, KALAMAZOO, MI 49048-8227 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| May 10, 2006 | Deed of Trust, Mortgage · Conventional Mortgage COUNTRYWIDE HOME LOANS INC |
| Apr 04, 2012 | Deed of Trust, Mortgage · Conventional Mortgage UNITED BANK MORTGAGE CORP |
| Nov 12, 2025 | Warranty Deed, Transfer · Veterans Administration Mortgage MORTGAGE RESEARCH CENTER LLC |
| Dec 08, 2020 | Warranty Deed, Transfer · Conventional Mortgage PRIMELENDING |
| May 01, 2009 | Other, Transfer UNITED BANK MORTGAGE CORP GUN LAKE |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Known Transactions |
|
| Deed Doc Number | 202518175 |
| Deed Book / Page | 5086 / 215 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALLEGAN MI |
| Property Address | 732 RUBY ST, OTSEGO, MI 49078-1567 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Name | Verified Name |
|---|
| Document Number | 002984/001 |
|---|---|
| Date | May 10, 2006 |
| Book Page | 2984/001 |
| Name | COUNTRYWIDE HOME LOANS INC |
|---|---|
| Type | Lending Institution |
| Address | 4500 PARK GRANADA, CALABASAS, CA 91302 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALLEGAN MI |
| Property Address | 732 RUBY ST, OTSEGO, MI 49078-1567 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Name | Verified Name |
|---|
| Document Number | 003605/051 |
|---|---|
| Date | Apr 04, 2012 |
| Book Page | 3605/051 |
| Name | UNITED BANK MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | GRAND RAPIDS, MI 49546 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Apr 01, 2027 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ALLEGAN MI |
| Recording Date | Nov 12, 2025 |
| Property Address | 732 RUBY ST, OTSEGO, MI 49078-1567 |
| Document Number | 005086/215 |
| Book / Page | 5086 / 215 |
| Map Reference | LB 17 PG 36 |
| Instrument Date | Oct 31, 2025 |
| Instrument | 2025018175 |
| Transaction Type | Transfer |
| Record Updated | Apr 03, 2026 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,955.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 732 RUBY ST, OTSEGO, MI 49078-1567 |
| Name | Verified Name |
|---|---|
| Address | 5571 MEADOWSTONE DR APT A, A, KALAMAZOO, MI 49048-8227 |
| Document Number | 0005086217 |
|---|---|
| Date | Nov 12, 2025 |
| Instrument | 5086/217 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 01, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ALLEGAN MI |
| Recording Date | Dec 08, 2020 |
| Property Address | 732 RUBY ST, OTSEGO, MI 49078-1567 |
| Document Number | 004548/297 |
| Book / Page | 4548 / 297 |
| Map Reference | LB 13 PG 36 |
| Instrument Date | Nov 25, 2020 |
| Transaction Type | Transfer |
| Record Updated | May 03, 2022 |
| Title Company | LIGHTHOUSE TITLE AGENCY, LIGHTHOUSE TTL AGCY THORNAPP |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,455.30 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 732 RUBY ST, 732, OTSEGO, MI 49078-1567 |
| Name | Verified Name |
|---|---|
| Address | 732 RUBY ST, OTSEGO, MI 49078-1567 |
| Document Number | 0004548300 |
|---|---|
| Date | Dec 08, 2020 |
| Instrument | 4548/300 |
| Name | PRIMELENDING |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Dec 01, 2040 |
| Document Type | Other |
|---|---|
| Jurisdiction | ALLEGAN MI |
| Recording Date | May 01, 2009 |
| Property Address | 732 RUBY ST, OTSEGO, MI 49078-1567 |
| Document Number | 3320/948 |
| Book / Page | 3320 / 948 |
| Map Reference | LB13 PG36 |
| Instrument Date | Apr 27, 2009 |
| Transaction Type | Transfer |
| Record Updated | Jun 21, 2021 |
| Title Company | E TITLE AGENCY INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 8200 JONES BRANCH DR, 8200, MCLEAN, VA 22102-3107 |
| Name | Verified Name |
|---|---|
| Address | 431 MILL ST APT 7, 7, WAYLAND, MI 49348-1557 |
| Document Number | 003321/452 |
|---|---|
| Date | May 01, 2009 |
| Book Page | 3321/452 |
| Name | UNITED BANK MORTGAGE CORP GUN LAKE |
|---|---|
| Address | GRAND RAPIDS, MI 49546 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | May 01, 2039 |
Source: Allegan County records · Assessment roll updated June 25, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Allegan County |
| Municipality | Otsego City |
| Unified School District | Otsego Public Schools (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $160,300 (+3.89%) Land $17,500 Building $142,800 | $320,600 (+3.89%) Land $35,000 Building $285,600 | |
| 2025 | $5,976.00 (+2.42%) Homeowner's exemption | $154,300 (+18.6%) Land $17,500 Building $136,800 | $308,600 (+18.6%) Land $35,000 Building $273,600 |
| 2024 | $5,835.00 (+16.86%) | ||
| 2023 | $130,100 Land $10,000 Building $120,100 | $260,200 Land $20,000 Building $240,200 | |
| 2022 | $4,993.00 |
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