806 Eley St, Otsego, MI 49078 Property Records

Allegan County property record for 806 Eley St, Otsego, MI 49078

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,500 sqft · built 2018
Lot Size	0.439 acres (19,123 sqft)
Owner	Individual Name on Record
Last Sale	$260,000 (Jan 2019)
Tax Bill	$6,386 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Jan 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`54-278-147-00`

Property Details

APN / Parcel Number

Primary APN	`54-278-147-00`

Interior

Full Baths	2 Baths
Building Area	1,500 sqft Living Area
1st Floor Area	1,500 sqft
Basement Area	1,500 sqft
Unfinished Basement	1,500 sqft

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Ranch
Lot Area	19,123 sqft (0.439 acres)
Lot Dimensions	150 ft deep x 126 ft wide
Garage Area	640 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	806 ELEY ST
City	OTSEGO
State	MI
Zip	49078-2502
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-A
Legal Description	LOT 147 ELEY ACRES VI SEC 26 T1N R12W (03).
Legal Range	12W
Legal Township	01N
Legal Section	26
Legal Subdivision	ELEY ACRES VI
Legal Lot Number	147
Jurisdiction	ALLEGAN MI
Township / Civil Division	OTSEGO
Census Block Group	3
Census Block	3004
Census Tract	31900

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	806 ELEY ST, OTSEGO, MI 49078-2502
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 8, 2021	Deed of Trust, Mortgage · FHA Mortgage AMERISAVE MORTGAGE CORP
Jan 7, 2019	Warranty Deed, Transfer · FHA Mortgage CONSUMERS CU
May 25, 2018	Warranty Deed, Transfer DEVON TITLE COMPANY, DEVON TITLE AGENCY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 7, 2019 · Amount on Record
Deed Sale	Jan 7, 2019 · Amount on Record
Deed Book / Page	4313 / 897
Record Updated	Sep 20, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGAN MI
Property Address	806 ELEY ST, OTSEGO, MI 49078-2502
Transaction Type	Mortgage
Record Updated	May 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	806 ELEY ST, OTSEGO, MI 49078-2502

Mortgage

Document Number	004694/597
Date	Nov 8, 2021
Book Page	4694/597

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Sep 1, 2051

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEGAN MI
Recording Date	Jan 7, 2019
Property Address	806 ELEY ST, OTSEGO, MI 49078-2502
Document Number	004313/897
Book / Page	4313 / 897
Map Reference	LB 15 PG 51
Instrument Date	Jan 4, 2019
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	ATA NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,236.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3537 125TH AVE, 3537, ALLEGAN, MI 49010-9221

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1309 CONCORD PLACE DR, KALAMAZOO, MI 49009-2612

Mortgage

Document Number	0004313899
Date	Jan 7, 2019
Instrument	4313/899

Lender

Name	CONSUMERS CU
Type	Credit Union

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2049

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEGAN MI
Recording Date	May 25, 2018
Property Address	806 ELEY ST, OTSEGO, MI 49078-2502
Document Number	4248/882
Book / Page	4248 / 882
Map Reference	LB15 PG51
Instrument Date	May 18, 2018
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	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	117 E ORLEANS ST, 117, OTSEGO, MI 49078-1124

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3537 125TH AVE, ALLEGAN, MI 49010-9221

Tax Assessment & Valuation

Source: Allegan County assessment roll, as of June 25, 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		$173,800 (+24.68%) Land $17,500 Building $156,300	$347,600 (+24.68%) Land $35,000 Building $312,600
2025	$6,386.00 (+19.66%)
2023		$139,400 Land $10,000 Building $129,400	$278,800 Land $20,000 Building $258,800
2022	$5,337.00

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

Provider	Max Down / Up (Mbps)
Surf Internet Fiber	8,000 / 8,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Mercury Fiber Fixed Wireless	150 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: 123.NET.

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