Allegan County property record for 959 20th St, Otsego, MI 49078
| Property Type | Manufactured or Modular Home |
|---|---|
| Details | 2.5 ba · 1,728 sqft · built 2006 |
| Lot Size | 2.71 acres (118,091 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $2,414 (2025) |
| Deeds & Mortgages | Apr 2021 Mortgage Sep 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 17-009-003-10 |
| Primary APN | 17-009-003-10 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,728 sqft Living Area |
| 1st Floor Area | 1,728 sqft |
| Basement Area | 1,728 sqft |
| Unfinished Basement | 1,728 sqft |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Architectural Style | Modular |
| Exterior Material | Wood Siding |
| Lot Area | 118,091 sqft (2.71 acres) |
| Lot Dimensions | 357 ft deep x 330 ft wide |
| Garage Area | 1,192 sqft |
| Parking Spaces | 4 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 959 20TH ST |
|---|---|
| City | OTSEGO |
| State | MI |
| Zip | 49078-9739 |
| Property Category | Residential |
| Property Type | Residential > Prefabricated > Manufactured or Modular Home |
| Local Zoning Code | AG |
| Legal Description | COM AT NW COR TH S 934' TO POB TH E 363' TH S 330' TH W 363' TH N 330' TO POB SEC 9 T1N R12W (07). |
| Legal Range | 12W |
| Legal Township | 01N |
| Legal Section | 09 |
| Jurisdiction | ALLEGAN MI |
| Township / Civil Division | OTSEGO |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 31800 |
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 | 959 20TH ST, OTSEGO, MI 49078-9739 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 30, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP |
| Sep 7, 2017 | Deed of Trust, Mortgage · Conventional Mortgage HONOR CU |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALLEGAN MI |
| Property Address | 959 20TH ST, OTSEGO, MI 49078-9739 |
| Transaction Type | Mortgage |
| Record Updated | May 19, 2021 |
| Name | Verified Name |
|---|
| Document Number | 4613/374 |
|---|---|
| Date | Apr 30, 2021 |
| Book Page | 4613/374 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28273 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | May 1, 2031 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALLEGAN MI |
| Property Address | 959 20TH ST, OTSEGO, MI 49078-9739 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 4174/487 |
|---|---|
| Date | Sep 7, 2017 |
| Book Page | 4174/487 |
| Name | HONOR CU |
|---|---|
| Type | Credit Union |
| Address | BERRIEN SPRINGS, MI 49103 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 239 Months |
| Due | Aug 12, 2037 |
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 | $162,300 (+34.91%) Land $14,800 Building $147,500 | $324,600 (+34.91%) Land $29,600 Building $295,000 | |
| 2025 | $2,414.00 (+21.55%) | ||
| 2023 | $120,300 Land $14,100 Building $106,200 | $240,600 Land $28,200 Building $212,400 | |
| 2022 | $1,986.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
Source: FCC Broadband Data Collection, based on 4 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 |
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