Otsego County property record for 1045 Kernel Ct, Gaylord, MI 49735
| Property Type | Single Family Home |
|---|---|
| Lot Size | 1.26 acres (54,886 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,584 (2025) |
| Deeds & Mortgages | May 2018 Mortgage Jun 2018 Transfer |
| APN | 091-310-000-647-01 |
| Primary APN | 091-310-000-647-01 |
|---|
| Lot Area | 54,886 sqft (1.26 acres) |
|---|
| Street Address | 1045 KERNEL CT |
|---|---|
| City | GAYLORD |
| State | MI |
| Zip | 49735-7624 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOTS 646 & 647 MICHAYWE NO. 2 COMBINED 2018 |
| Legal Lot Number | 646-647 |
| Jurisdiction | OTSEGO MI |
| Township / Civil Division | OTSEGO LAKE |
| Census Block Group | 4 |
| Census Block | 4033 |
| Census Tract | 950500 |
1045 Kernel Ct is owned and occupied by two individuals.
Source: Otsego County records, as of October 22, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1045 KERNEL CT, GAYLORD, MI 49735-7624 |
| 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 |
|---|---|
| May 30, 2018 | Deed of Trust, Mortgage QUICKEN LOAN INC |
| Jun 20, 2018 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTSEGO MI |
| Property Address | 1045 KERNEL CT, GAYLORD, MI 49735-7624 |
| Transaction Type | Mortgage |
| Record Updated | Mar 9, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000001460/0000000915 |
|---|---|
| Date | May 30, 2018 |
| Book Page | 0000001460/0000000915 |
| Name | QUICKEN LOAN INC |
|---|---|
| Type | Lending Institution |
| Amount | Amount on Record |
|---|---|
| Term | 356 Months |
| Due | Jan 1, 2048 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OTSEGO MI |
| Recording Date | Jun 20, 2018 |
| Property Address | 1045 KERNEL CT, GAYLORD, MI 49735-7624 |
| Document Number | 001462/484 |
| Book / Page | 1462 / 484 |
| Instrument Date | Jun 18, 2018 |
| Transaction Type | Transfer |
| Record Updated | Mar 9, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1045 KERNEL CT, GAYLORD, MI 49735-7624 |
The 2025 property tax bill for 1045 Kernel Ct was $1,584 with a homeowner's exemption, up 23.2% from the year before.
Source: Otsego County assessment roll, as of October 22, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Otsego County |
| County Subdivision | Otsego Lake Township |
| Unified School District | Gaylord Community Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $113,100 (-1.05%) | $226,200 (-1.05%) | |
| 2025 | $1,584.00 (+23.17%) Homeowner's exemption | $114,300 | $228,600 |
| 2024 | $1,286.00 | ||
| 2023 | $80,400 | $160,800 | |
| 2022 | $1,238.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA has no flood map on file for 1045 Kernel Ct.
Source: FEMA National Flood Hazard Layer
| FEMA Flood Zone | Not on file |
|---|
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 1045 Kernel Ct 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 100 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
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