900 Eley St, Otsego, MI 49078 Property Records

Allegan County property record for 900 Eley St, Otsego, MI 49078

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,488 sqft · built 2018
Lot Size	0.44 acres (19,166 sqft)
Owner	2 Individual Names on Record
Tax Bill	$6,132 (2025)
Deeds & Mortgages	Sep 2018 Mortgage May 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`54-278-148-00`

Property Details

APN / Parcel Number

Primary APN	`54-278-148-00`
Alternative APN	`03-54-278-148-00`

Interior

Full Baths	2 Baths
Building Area	1,488 sqft Living Area
1st Floor Area	1,488 sqft
Basement Area	1,488 sqft
Unfinished Basement	1,488 sqft

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Ranch
Lot Area	19,166 sqft (0.44 acres)
Lot Dimensions	151 ft deep x 126 ft wide
Garage Area	636 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	900 ELEY ST
City	OTSEGO
State	MI
Zip	49078-2501
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-A
Legal Description	LOT 148 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	148
Jurisdiction	ALLEGAN MI
Township / Civil Division	OTSEGO
Census Block Group	3
Census Block	3035
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	900 ELEY ST, OTSEGO, MI 49078-2501
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Al (and Others)

Deeds, Mortgages & Sale History

Date	Document
Sep 20, 2018	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD MORTGAGE MICHIGAN LLC
May 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK NA
Mar 24, 2020	Intrafamily Transfer, Transfer
Jun 14, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Mar 17, 2020
Transfer Doc	4442/705
Record Updated	Oct 29, 2026

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGAN MI
Property Address	900 ELEY ST, OTSEGO, MI 49078-2501
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	4283/462
Date	Sep 20, 2018
Book Page	4283/462

Lender

Name	FIFTH THIRD MORTGAGE MICHIGAN LLC
Type	Mortgage Company
Address	GRAND RAPIDS, MI 49546

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	370 Months
Due	Jul 1, 2049

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGAN MI
Property Address	900 ELEY ST, OTSEGO, MI 49078-2501
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	4458/601
Date	May 4, 2020
Book Page	4458/601

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45227

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2050

March 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ALLEGAN MI
Recording Date	Mar 24, 2020
Property Address	900 ELEY ST, OTSEGO, MI 49078-2501
Document Number	4442/705
Book / Page	4442 / 705
Map Reference	LB 15 PG 51
Instrument Date	Mar 17, 2020
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Living Trust
Address	900 ELEY ST, OTSEGO, MI 49078-2501

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEGAN MI
Recording Date	Jun 14, 2018
Property Address	900 ELEY ST, OTSEGO, MI 49078-2501
Document Number	4254/325
Book / Page	4254 / 325
Map Reference	LB15 PG51
Instrument Date	Jun 6, 2018
Transaction Type	Transfer
Record Updated	Aug 3, 2021

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	120 S SUNSET ST, PLAINWELL, MI 49080-1550

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		$166,500 (+4.39%) Land $17,500 Building $149,000	$333,000 (+4.39%) Land $35,000 Building $298,000
2025	$6,132.00 (+2.42%) Homeowner's exemption	$159,500 (+19.21%) Land $17,500 Building $142,000	$319,000 (+19.21%) Land $35,000 Building $284,000
2024	$5,987.00 (+16.84%)
2023		$133,800 Land $10,000 Building $123,800	$267,600 Land $20,000 Building $247,600
2022	$5,124.00

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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