840 Ely St, Allegan, MI 49010 Property Records

Allegan County property record for 840 Ely St, Allegan, MI 49010

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,367 sqft · built 1956
Lot Size	1.43 acres (62,421 sqft)
Owner	Individual Name on Record
Last Sale	$424,000 (May 2026)
Tax Bill	$7,213 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Jan 2011 Mortgage + 10 more
Flood Zone	Zone X (minimal risk)
APN	`51-100-029-00`

Property Details

APN / Parcel Number

Primary APN	`51-100-029-00`
Alternative APN	`03-51-100-029-00`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	2,367 sqft Living Area
1st Floor Area	1,486 sqft
Basement Area	1,078 sqft
Unfinished Basement	1,078 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Exterior Material	Wood
Foundation Type	No Foundation
Lot Area	62,421 sqft (1.43 acres)
Lot Dimensions	396 ft deep x 157 ft wide
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	840 ELY ST
City	ALLEGAN
State	MI
Zip	49010-1543
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2 SFR
Legal Description	COM AT A PT ON CTR ELY ST 445.8 FT NELY OF INTER SD LIN WITH E-W 1/8 LIN NE 1/4 TH N 55 DEG 38' W AT RT ANG TO CTR LIN ELY ST 429 FT TH N 34 DEG 22' E & PPL TO CTR LIN ELY ST 152.3 FT TH S 86 DEG 11' E TO A PT AT RT ANG TO A PT ON CTR LIN ELY ST 163
Jurisdiction	ALLEGAN MI
Township / Civil Division	ALLEGAN
Census Block Group	1
Census Block	1012
Census Tract	31101

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	Individual Name on Record
Mailing Address	840 ELY ST, ALLEGAN, MI 49010-1543
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

Deeds, Mortgages & Sale History

Date	Document
Oct 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage NEIGHBORHOOD LOANS
Jan 20, 2011	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB
Sep 15, 2015	Deed of Trust, Mortgage · Conventional Mortgage CHEMICAL BANK
Jan 18, 2006	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FLAGSTAR BANK FSB
Sep 21, 2005	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB
Jan 13, 2020	Deed of Trust, Mortgage · Stand-Alone Second Mortgage HONOR CU
May 19, 2026	Warranty Deed, Transfer · Conventional Mortgage CONSUMERS CREDIT UNION
May 19, 2026	Warranty Deed, Transfer · Conventional Mortgage CONSUMERS CREDIT UNION
May 7, 2026	Deed of Trust, Mortgage · Construction Mortgage NEIGHBORHOODLOANS INC
Nov 2, 2020	Warranty Deed, Transfer
Jan 13, 2020	Deed of Trust, Mortgage · Stand-Alone Second Mortgage HONOR CU
Jun 7, 2019	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 19, 2026 · Amount on Record
Deed Sale	May 19, 2026 · Amount on Record
Prior Sale	Nov 2, 2020 · Amount on Record
Deed Document Number	20268341
Deed Book / Page	5139 / 401
Prior Transfer Date	Jun 4, 2019
Prior Transfer Doc	4351/015
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGAN MI
Property Address	840 ELY ST, ALLEGAN, MI 49010-1543
Transaction Type	Mortgage
Record Updated	Jun 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	004530/875
Date	Oct 29, 2020
Book Page	4530/875

Lender

Name	NEIGHBORHOOD LOANS
Type	Mortgage Company
Address	DOWNERS GROVE, IL 60515

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

January 2011: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGAN MI
Property Address	840 ELY ST, ALLEGAN, MI 49010-1543
Transaction Type	Mortgage
Record Updated	Jun 3, 2026
Title Company	ACCURATE TITLE GROUP, ACCURATE TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003487/628
Date	Jan 20, 2011
Book Page	3487/628

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 1, 2026

September 2015: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGAN MI
Property Address	840 ELY ST, ALLEGAN, MI 49010-1543
Transaction Type	Mortgage
Record Updated	Jun 3, 2026
Title Company	MIDSTATE TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003963/070
Date	Sep 15, 2015
Book Page	3963/070

Lender

Name	CHEMICAL BANK
Type	Bank
Address	CALEDONIA, MI 49316

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2030

January 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGAN MI
Property Address	840 ELY ST, ALLEGAN, MI 49010-1543
Transaction Type	Mortgage
Record Updated	Jun 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002941/438
Date	Jan 18, 2006
Book Page	2941/438

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	5151 CORPORATE DR, TROY, MI 48098

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Feb 1, 2021

September 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGAN MI
Property Address	840 ELY ST, ALLEGAN, MI 49010-1543
Transaction Type	Mortgage
Record Updated	Jun 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002892/743
Date	Sep 21, 2005
Book Page	2892/743

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	5151 CORPORATE DR, TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2035

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGAN MI
Property Address	840 ELY ST, ALLEGAN, MI 49010-1543
Transaction Type	Mortgage
Record Updated	Jun 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004421/641
Date	Jan 13, 2020
Book Page	4421/641

Lender

Name	HONOR CU
Type	Credit Union
Address	BERRIEN SPRINGS, MI 49103

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 6, 2035

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEGAN MI
Recording Date	May 19, 2026
Property Address	840 ELY ST, ALLEGAN, MI 49010-1543
Document Number	0000008341
Book / Page	5139 / 401
Instrument Date	May 15, 2026
Instrument	20268341
Transaction Type	Transfer
Record Updated	Jun 1, 2026
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$368,286.40
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	840 ELY ST, ALLEGAN, MI 49010-1543

Mortgage

Document Number	0000008342,
Date	May 19, 2026
Instrument	20268342

Lender

Name	CONSUMERS CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
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	840 ELY ST, ALLEGAN, MI 49010-1543
Document Number	005139/401
Book / Page	5139 / 401
Instrument Date	May 15, 2026
Instrument	20268341
Transaction Type	Transfer
Record Updated	Aug 25, 2026
Title Company	CHICAGO TITLE W, CHICAGO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$368,286.40
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	840 ELY ST, ALLEGAN, MI 49010-1543

Mortgage

Document Number	0000008342,
Date	May 19, 2026
Instrument	20268342

Lender

Name	CONSUMERS CREDIT UNION

Agreement

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

Interest

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

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGAN MI
Recording Date	May 7, 2026
Property Address	840 ELY ST, ALLEGAN, MI 49010-1543
Document Number	0000007568
Book / Page	5135 / 580
Instrument Date	Apr 27, 2026
Instrument	20267568
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	ATA NATIONAL TITLE GROUP LLC, ATA NATIONAL TITLE GROUP

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	840 ELY ST, ALLEGAN, MI 49010-1543
Investor	Possibly a Property Investor

Mortgage

Document Number	0000007568,
Date	May 7, 2026
Book Page	5135/580
Instrument	20267568

Lender

Name	NEIGHBORHOODLOANS INC

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	4 Months
Due	Sep 1, 2026

Interest

Rate Type	Balloon
Rate	6.38%
Initial Type	Balloon
Max Rate	-1%

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEGAN MI
Recording Date	Nov 2, 2020
Property Address	840 ELY ST, ALLEGAN, MI 49010-1543
Document Number	4532/336
Book / Page	4532 / 336
Instrument Date	Oct 13, 2020
Transaction Type	Transfer
Record Updated	Aug 3, 2021

Transaction

Amount	Amount Recorded
Tax	$2,709.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	840 ELY ST, 840, ALLEGAN, MI 49010-1543

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8494 CORSICA DR, JENISON, MI 49428-9583
Investor	Possibly a Property Investor

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGAN MI
Property Address	840 ELY ST, ALLEGAN, MI 49010-1543
Transaction Type	Mortgage
Record Updated	Jan 27, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	4421/641
Date	Jan 13, 2020
Book Page	4421/641

Lender

Name	HONOR CU
Type	Credit Union
Address	BERRIEN SPRINGS, MI 49103

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 6, 2035

June 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ALLEGAN MI
Recording Date	Jun 7, 2019
Property Address	840 ELY ST, ALLEGAN, MI 49010-1543
Document Number	4351/015
Book / Page	4351 / 015
Instrument Date	Jun 4, 2019
Transaction Type	Transfer
Record Updated	Aug 3, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	840 ELY ST, 840, ALLEGAN, MI 49010-1543

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	840 ELY ST, ALLEGAN, MI 49010-1543

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Michigan
County	Allegan County
Municipality	Allegan City
Unified School District	Allegan Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$221,600 (+6.03%) Land $19,900 Building $201,700	$443,200 (+6.03%) Land $39,800 Building $403,400
2025	$7,213.00 (+2.28%) Homeowner's exemption	$209,000 (+17.68%) Land $16,100 Building $192,900	$418,000 (+17.68%) Land $32,200 Building $385,800
2024	$7,052.00 (+9.9%)
2023		$177,600 Land $47,300 Building $130,300	$355,200 Land $94,600 Building $260,600
2022	$6,417.00

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

Source: FEMA National Flood Hazard Layer, effective June 21, 2023

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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	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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ALLEGAN serves 5,930 people · EPA ID MI0000120
Water Source	Groundwater
Last State Inspection	Nov 2025
Lead	2 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control Jul 2021
Monitoring and Reporting	None 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 125 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30