799 Topview Dr, Otsego, MI 49078 Property Records

Allegan County property record for 799 Topview Dr, Otsego, MI 49078

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,828 sqft · built 1994
Lot Size	0.335 acres (14,593 sqft)
Owner	Individual Name on File
Last Sale	$314,400 (May 2026)
Tax Bill	$3,912 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Aug 2016 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`08-510-007-00`

Property Details

APN / Parcel Number

Primary APN	`08-510-007-00`
Alternative APN	`03-08-510-007-00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,828 sqft Living Area
1st Floor Area	914 sqft
Basement Area	914 sqft
Unfinished Basement	914 sqft

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Exterior Material	Wood Siding
Lot Area	14,593 sqft (0.335 acres)
Lot Dimensions	146 ft deep x 100 ft wide
Garage Area	507 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	799 TOPVIEW DR
City	OTSEGO
State	MI
Zip	49078-9705
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	LOT 7 TOP VIEW SEC 18 T1N R11W.
Legal Range	11W
Legal Township	01N
Legal Section	18
Legal Subdivision	TOP VIEW
Legal Lot Number	7
Jurisdiction	ALLEGAN MI
Township / Civil Division	GUN PLAIN
Census Block Group	2
Census Block	2020
Census Tract	32000

Owner

799 Topview Dr is owned and occupied by an individual who bought it in May 2026.

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

Owner of Record	Individual Name on File
Mailing Address	1316 32ND ST SW, WYOMING, MI 49509-2716
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Man, Separate Property

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
Mar 21, 2022	Deed of Trust, Mortgage · Conventional Mortgage LAKE MICHIGAN CU
Aug 16, 2016	Deed of Trust, Mortgage · Line of Credit WELLS FARGO BANK NA
Jan 2, 2013	Deed of Trust, Mortgage · FHA Mortgage SUMMIT HOME MORTGAGE LLC
May 19, 2026	Warranty Deed, Transfer · Conventional Mortgage DFCU FINANCIAL
May 19, 2026	Warranty Deed, Transfer · Conventional Mortgage DFCU FINANCIAL
Feb 27, 2018	Warranty Deed, Transfer · Conventional Mortgage LAKE MICHIGAN CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 19, 2026 · Amount on File
Deed Sale	May 19, 2026 · Amount on File
Prior Sale	Feb 27, 2018 · Amount on File
Deed Document Number	20268202
Deed Book / Page	5138 / 842
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGAN MI
Property Address	799 TOPVIEW DR, OTSEGO, MI 49078-9705
Transaction Type	Mortgage
Record Updated	Jun 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	799 TOPVIEW DR, OTSEGO, MI 49078-9705

Mortgage

Document Number	004741/672
Date	Mar 21, 2022
Book Page	4741/672
Instrument	2022005511

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union
Address	GRAND RAPIDS, MI 49501

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

August 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGAN MI
Property Address	799 TOPVIEW DR, OTSEGO, MI 49078-9705
Transaction Type	Mortgage
Record Updated	Jun 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004056/253
Date	Aug 16, 2016
Book Page	4056/253

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Sep 4, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGAN MI
Property Address	799 TOPVIEW DR, OTSEGO, MI 49078-9705
Transaction Type	Mortgage
Record Updated	Jun 3, 2026
Title Company	CHICAGO TITLE-(PORTAGE), CHICAGO TITLE PORTAGE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003691/732
Date	Jan 2, 2013
Book Page	3691/732

Lender

Name	SUMMIT HOME MORTGAGE LLC
Address	PORTAGE, MI 49024

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2043

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEGAN MI
Recording Date	May 19, 2026
Property Address	799 TOPVIEW DR, OTSEGO, MI 49078-9705
Document Number	0000008202
Book / Page	5138 / 842
Instrument Date	May 15, 2026
Instrument	20268202
Transaction Type	Transfer
Record Updated	May 29, 2026
Title Company	MORTGAGE CADENCE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$273,087.84
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1316 32ND ST SW, WYOMING, MI 49509-2716

Mortgage

Document Number	0000008203,
Date	May 19, 2026
Instrument	20268203

Lender

Name	DFCU FINANCIAL

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.46%
Initial Type	Fixed Rate
Max Rate	-1%

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEGAN MI
Recording Date	May 19, 2026
Property Address	799 TOPVIEW DR, OTSEGO, MI 49078-9705
Document Number	005138/842
Book / Page	5138 / 842
Instrument Date	May 15, 2026
Instrument	20268202
Transaction Type	Transfer
Record Updated	Aug 25, 2026
Title Company	MORTGAGE CONNECT, MORTGAGE CADENCE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$273,087.84
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1316 32ND ST SW, WYOMING, MI 49509-2716

Mortgage

Document Number	0000008203,
Date	May 19, 2026
Instrument	20268203

Lender

Name	DFCU FINANCIAL

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEGAN MI
Recording Date	Feb 27, 2018
Property Address	799 TOPVIEW DR, OTSEGO, MI 49078-9705
Document Number	004224/503
Book / Page	4224 / 503
Map Reference	LB12 PG1
Instrument Date	Feb 20, 2018
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	CHICAGO TITLE MERIDIAN, CHICAGO TITLE OF MICHIGAN IN

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,591.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	799 TOPVIEW DR, 799, OTSEGO, MI 49078-9705

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	231 E HAMMOND ST, OTSEGO, MI 49078-1411

Mortgage

Document Number	0004224506
Date	Feb 27, 2018
Instrument	4224/506

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 799 Topview Dr was $3,912 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		$132,300 (+11.18%) Land $11,700 Building $120,600	$264,600 (+11.18%) Land $23,400 Building $241,200
2025	$3,912.00 (+2.62%) Homeowner's exemption	$119,000 Land $9,700 Building $109,300	$238,000 Land $19,400 Building $218,600
2024	$3,812.00
2023		$105,800 Land $9,300 Building $96,500	$211,600 Land $18,600 Building $193,000
2022	$3,474.00

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.

Flood

FEMA maps place 799 Topview Dr 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 799 Topview Dr 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 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.

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