787 11th St, Otsego, MI 49078 Property Records

Allegan County property record for 787 11th St, Otsego, MI 49078

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,278 sqft · built 1995
Lot Size	0.317 acres (13,809 sqft)
Owner	Individual Name on File
Last Sale	$142,511 (Sep 2016)
Tax Bill	$3,518 (2025)
Deeds & Mortgages	May 2022 Mortgage Aug 2022 Transfer
Flood Zone	Zone X (minimal risk)
APN	`08-510-003-00`

Property Details

APN / Parcel Number

Primary APN	`08-510-003-00`
Alternative APN	`03-08-510-003-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,278 sqft Living Area
1st Floor Area	1,278 sqft
Basement Area	1,278 sqft
Unfinished Basement	1,278 sqft

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Ranch
Exterior Material	Wood Siding
Lot Area	13,809 sqft (0.317 acres)
Lot Dimensions	120 ft deep x 180 ft wide
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	787 11TH ST
City	OTSEGO
State	MI
Zip	49078-9768
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	LOT 3 TOP VIEW SEC 18 T1N R11W.
Legal Range	11W
Legal Township	01N
Legal Section	18
Legal Subdivision	TOP VIEW PLAT
Legal Lot Number	3
Jurisdiction	ALLEGAN MI
Township / Civil Division	GUN PLAIN
Census Block Group	2
Census Block	2019
Census Tract	32000

Owner

787 11th St is owned and occupied by an individual who acquired it in August 2022.

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

Owner of Record	Individual Name on File
Mailing Address	787 11TH ST, OTSEGO, MI 49078-9768
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
May 5, 2022	Deed of Trust, Mortgage · Conventional Mortgage ARBOR FINANCIAL CU
Aug 9, 2022	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 26, 2016 · Amount on File
Deed Sale	Sep 26, 2016 · Amount on File
Prior Sale	Sep 16, 2016 · Amount on File
Deed Book / Page	4069 / 188
Last Transfer Date	Aug 8, 2022
Transfer Doc	0004787/18
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGAN MI
Property Address	787 11TH ST, OTSEGO, MI 49078-9768
Transaction Type	Mortgage
Record Updated	Feb 27, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	787 11TH ST, OTSEGO, MI 49078-9768

Mortgage

Document Number	004756/807
Date	May 5, 2022
Book Page	4756/807
Instrument	2022009343

Lender

Name	ARBOR FINANCIAL CU
Type	Credit Union
Address	KALAMAZOO, MI 49009

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2052

August 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ALLEGAN MI
Recording Date	Aug 9, 2022
Property Address	787 11TH ST, OTSEGO, MI 49078-9768
Document Number	0004787/18
Book / Page	4787 / 18
Map Reference	LB 12 PG 1
Instrument Date	Aug 8, 2022
Instrument	2022015574
Transaction Type	Transfer
Record Updated	Feb 27, 2023

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
Address	787 11TH ST, OTSEGO, MI 49078-9768

Tax Assessment & Valuation

The 2025 property tax bill for 787 11th St was $3,518 with a homeowner's exemption, up 2.6% from the year before.

Source: Allegan County assessment roll, as of September 9, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Allegan County
County Subdivision	Gun Plain Township
Unified School District	Plainwell Community Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$122,000 (+7.49%) Land $21,600 Building $100,400	$244,000 (+7.49%) Land $43,200 Building $200,800
2025	$3,518.00 (+2.63%) Homeowner's exemption	$113,500 Land $17,200 Building $96,300	$227,000 Land $34,400 Building $192,600
2024	$3,428.00
2023		$101,300 Land $16,200 Building $85,100	$202,600 Land $32,400 Building $170,200
2022	$3,124.00

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

Flood

FEMA maps place 787 11th St in Zone X, an area of minimal flood risk.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 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

Wildfire risk around 787 11th 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 64 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Mercury Fiber Fixed Wireless	150 / 20

May also be available: 123.NET.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on 11th St

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