809 Windigo Ln, Otsego, MI 49078 Property Records

Allegan County property record for 809 Windigo Ln, Otsego, MI 49078

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 1,936 sqft · built 1993
Lot Size	0.321 acres (13,983 sqft)
Owner	2 Individual Names on Record
Last Sale	$197,500 (May 2017)
Tax Bill	$5,793 (2025)
Deeds & Mortgages	Jun 2023 Line of Credit Jul 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`54-260-023-00`

Property Details

APN / Parcel Number

Primary APN	`54-260-023-00`
Alternative APN	`03-54-260-023-00`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,936 sqft Living Area
1st Floor Area	952 sqft
Basement Area	952 sqft
Unfinished Basement	952 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Exterior Material	Wood
Lot Area	13,983 sqft (0.321 acres)
Lot Dimensions	140 ft deep x 100 ft wide
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	809 WINDIGO LN
City	OTSEGO
State	MI
Zip	49078-1535
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-A
Legal Description	LOT 23 ELEY ACRES
Legal Subdivision	ELEY ACRES
Legal Lot Number	23
Jurisdiction	ALLEGAN MI
Township / Civil Division	OTSEGO
Census Block Group	3
Census Block	3037
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	809 WINDIGO LN, OTSEGO, MI 49078-1535
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 22, 2023	Deed of Trust, Mortgage · Line of Credit ADVIA CU
Jul 11, 2019	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
May 12, 2017	Warranty Deed, Transfer · FHA Mortgage MICHIGAN MUTUAL INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 12, 2017 · Amount on Record
Deed Sale	May 12, 2017 · Amount on Record
Prior Sale	Aug 5, 2009 · Amount on Record
Deed Book / Page	4139 / 560
Record Updated	Oct 29, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGAN MI
Property Address	809 WINDIGO LN, OTSEGO, MI 49078-1535
Transaction Type	Mortgage
Record Updated	Jul 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	809 WINDIGO LN, OTSEGO, MI 49078-1535

Mortgage

Document Number	0004866/14
Date	Jun 22, 2023
Book Page	4866/14
Instrument	2023009045

Lender

Name	ADVIA CU
Type	Credit Union
Address	KALAMAZOO, MI 49009

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGAN MI
Property Address	809 WINDIGO LN, OTSEGO, MI 49078-1535
Transaction Type	Mortgage
Record Updated	Aug 6, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	4360/976
Date	Jul 11, 2019
Book Page	4360/976

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEGAN MI
Recording Date	May 12, 2017
Property Address	809 WINDIGO LN, OTSEGO, MI 49078-1535
Document Number	4139/560
Book / Page	4139 / 560
Map Reference	LB12 PG21
Instrument Date	Apr 28, 2017
Transaction Type	Transfer
Record Updated	Aug 3, 2021
Title Company	STAR TITLE AGENCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,698.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	809 WINDIGO LN, 809, OTSEGO, MI 49078-1535

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	809 WINDIGO LN, OTSEGO, MI 49078-1535

Mortgage

Document Number	4139/563
Date	May 12, 2017
Book Page	4139/563

Lender

Name	MICHIGAN MUTUAL INC
Type	Non-Lending Institution
Address	PORT HURON, MI 48060

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2047

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		$164,900 (+21.7%) Land $17,500 Building $147,400	$329,800 (+21.7%) Land $35,000 Building $294,800
2025	$5,793.00 (+19.67%)
2023		$135,500 Land $10,000 Building $125,500	$271,000 Land $20,000 Building $251,000
2022	$4,841.00

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.

Nearby Properties on Windigo Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures