Allegan County property record for 972 15th St, Otsego, MI 49078
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,222 sqft · built 2023 |
| Lot Size | 13.6 acres (594,942 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $71,000 (Jul 2022) |
| Tax Bill | $7,371 (2025) |
| Deeds & Mortgages | Sep 2023 Mortgage Jul 2022 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 17-011-005-10 |
| Primary APN | 17-011-005-10 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,222 sqft Living Area |
| 1st Floor Area | 2,222 sqft |
| Year Built | Built 2023 |
|---|---|
| Effective Year Built | Effective 2023 |
| Architectural Style | Ranch |
| Lot Area | 594,942 sqft (13.6 acres) |
| Lot Dimensions | 2,253 ft deep x 264 ft wide |
| Garage Area | 1,750 sqft |
| Parking Spaces | 6 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 972 15TH ST |
|---|---|
| City | OTSEGO |
| State | MI |
| Zip | 49078-9712 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | N 1/2 NE 1/4 NW 1/4 EX BEG AT N 1/4 PST TH S 236.97' TH N 85 DEG 08'39W 114.65' TH N 56 DEG 47'32W 81.99' TH N 182.16' TH E 182.26' TO POB ALSO EX W 213.74' OF E 396'OF N 165' ALSO EX S 165' SEC 11 T1N R12W (95) |
| Legal Range | 12W |
| Legal Township | 01N |
| Legal Section | 11 |
| Jurisdiction | ALLEGAN MI |
| Township / Civil Division | OTSEGO |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 31900 |
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 | 972 15TH ST, OTSEGO, MI 49078-9712 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
| Date | Document |
|---|---|
| Sep 14, 2023 | Deed of Trust, Mortgage · Commercial Mortgage GREENSTONE FARM CREDIT SERVICES |
| Jul 19, 2022 | Warranty Deed, Transfer ATA NATIONAL TITLE GROUP LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 19, 2022 · Amount on Record |
| Deed Sale | Jul 19, 2022 · Amount on Record |
| Prior Sale | Nov 4, 1994 · Amount on Record |
| Deed Document Number | 202214223 |
| Deed Book / Page | 4780 / 353 |
| Last Transfer Date | Apr 2, 2025 |
| Transfer Doc | 005048/591 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALLEGAN MI |
| Property Address | 972 15TH ST, OTSEGO, MI 49078-9712 |
| Transaction Type | Mortgage |
| Record Updated | Oct 2, 2023 |
| Title Company | CTC |
| Name | Verified Name |
|---|---|
| Address | 4326 BELGRAVE ST, WAYLAND, MI 49348-9189 |
| Document Number | 004886/852 |
|---|---|
| Date | Sep 14, 2023 |
| Book Page | 4886/852 |
| Instrument | 2023013447 |
| Name | GREENSTONE FARM CREDIT SERVICES |
|---|---|
| Type | Subprime Lender |
| Address | EAST LANSING, MI 48823 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 371 Months |
| Due | Aug 1, 2054 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ALLEGAN MI |
| Recording Date | Jul 19, 2022 |
| Property Address | 972 15TH ST, OTSEGO, MI 49078-9712 |
| Document Number | 004780/353 |
| Book / Page | 4780 / 353 |
| Instrument Date | Jul 6, 2022 |
| Instrument | 2022014223 |
| Transaction Type | Transfer |
| Record Updated | Aug 7, 2023 |
| Title Company | ATA NATIONAL TITLE GROUP LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $532.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4016 GRAND PRAIRIE RD, KALAMAZOO, MI 49006-1437 |
| Name | Verified Name |
|---|---|
| Address | 6243 N ROBERTSON RD, MIDDLEVILLE, MI 49333-9443 |
| Investor | Possibly a Property Investor |
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 | $227,100 (+562.1%) Land $43,600 Building $183,500 | $454,200 (+562.1%) Land $87,200 Building $367,000 | |
| 2025 | $7,371.00 (+1,438.83%) | ||
| 2023 | $34,300 Land $34,300 | $68,600 Land $68,600 | |
| 2022 | $479.00 |
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.
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 Claims | 1 (2009) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jan 2009 · river or lake flooding |
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.
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 20 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| 123.NET Fiber | 6,000 / 6,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| Mercury Fiber Fixed Wireless | 150 / 20 |
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