Allegan County property record for 869 20th St, Otsego, MI 49078
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 1,745 sqft · built 1900 |
| Lot Size | 5.1 acres (222,417 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $115,000 (Mar 2000) |
| Tax Bill | $2,340 (2025) |
| Deeds & Mortgages | Mar 2023 Line of Credit Jun 2020 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 17-009-005-10 |
| Primary APN | 17-009-005-10 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 2 Stories |
| Building Area | 1,745 sqft Living Area |
| 1st Floor Area | 1,212 sqft |
| Basement Area | 442 sqft |
| Unfinished Basement | 442 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Custom Design |
| Exterior Material | Shingles |
| Foundation Type | No Foundation |
| Lot Area | 222,417 sqft (5.1 acres) |
| Lot Dimensions | 329 ft deep x 675 ft wide |
| Parking Spaces | 2 Parking Spaces |
| Total Buildings | 2 Buildings |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 869 20TH ST |
|---|---|
| City | OTSEGO |
| State | MI |
| Zip | 49078-9739 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AG |
| Legal Description | S 660 FT OF W 330 FT OF NW 1/4 SW 1/4 SEC 9 T1N R12W. |
| Legal Range | 12W |
| Legal Township | 01N |
| Legal Section | 09 |
| Jurisdiction | ALLEGAN MI |
| Township / Civil Division | OTSEGO |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 31800 |
869 20th St is owned and occupied by two individuals who bought it in March 2000.
Source: Allegan County records, as of September 9, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 869 20TH ST, OTSEGO, MI 49078-9739 |
| 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.
| Date | Document |
|---|---|
| Mar 17, 2023 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Jun 30, 2020 | Deed of Trust, Mortgage · Line of Credit MACATAWA BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 30, 2000 · Amount on File |
| Deed Sale | Mar 30, 2000 · Amount on File |
| Deed Document Number | 20001 |
| Deed Book / Page | 1936 / 9 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALLEGAN MI |
| Property Address | 869 20TH ST, OTSEGO, MI 49078-9739 |
| Transaction Type | Mortgage |
| Record Updated | Mar 28, 2023 |
| Name | Verified Name |
|---|---|
| Address | 869 20TH ST, OTSEGO, MI 49078-9739 |
| Document Number | 004842/289 |
|---|---|
| Date | Mar 17, 2023 |
| Book Page | 4842/289 |
| Instrument | 2023003390 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19801 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 480 Months |
| Due | Mar 20, 2063 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALLEGAN MI |
| Property Address | 869 20TH ST, OTSEGO, MI 49078-9739 |
| Transaction Type | Mortgage |
| Record Updated | Jul 9, 2020 |
| Name | Verified Name |
|---|
| Document Number | 4478/366 |
|---|---|
| Date | Jun 30, 2020 |
| Book Page | 4478/366 |
| Name | MACATAWA BANK |
|---|---|
| Type | Bank |
| Address | HOLLAND, MI 49424 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 869 20th St was $2,340 with a homeowner's exemption.
Source: Allegan County assessment roll, as of September 9, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Allegan County |
| County Subdivision | Otsego Township |
| Unified School District | Otsego Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $150,500 Land $21,100 Building $129,400 | $301,000 Land $42,200 Building $258,800 | |
| 2025 | $2,340.00 | ||
| 2023 | $109,600 Land $18,900 Building $90,700 | $219,200 Land $37,800 Building $181,400 | |
| 2022 | $1,926.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 869 20th St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective June 21, 2023
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 869 20th 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.
Source: FCC Broadband Data Collection, based on 13 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| 123.NET Fiber | 6,000 / 6,000 |
| Mercury Fiber Fixed Wireless | 150 / 20 |
May also be available: Verizon.
5G and 4G LTE (outdoors only)
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