110 E Franklin St, Otsego, MI 49078 Property Records

Allegan County property record for 110 E Franklin St, Otsego, MI 49078

Property Summary

Property Type	Single Family Home
Details	5 bd · 1.5 ba · 1,775 sqft · built 1832
Lot Size	0.265 acres (11,543 sqft)
Owner	Individual Name on Record
Last Sale	$131,000 (Aug 2004)
Tax Bill	$2,405 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Nov 2025 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`54-100-093-75`

Property Details

APN / Parcel Number

Primary APN	`54-100-093-75`
Alternative APN	`03-54-100-093-75`

Interior

Bedrooms	5 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,775 sqft Living Area
1st Floor Area	1,324 sqft
Basement Area	1,084 sqft
Unfinished Basement	1,084 sqft

Exterior

Year Built	Built 1832
Effective Year Built	Effective 1832
Exterior Material	Stucco
Foundation Type	No Foundation
Lot Area	11,543 sqft (0.265 acres)
Lot Dimensions	165 ft deep x 70 ft wide
Garage Area	260 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	110 E FRANKLIN ST
City	OTSEGO
State	MI
Zip	49078-1320
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-B
Legal Description	PT OF RESERVED LOTS LYING WLY OF LOTS 94 & 95 COM ON S LINE OF FRANKLIN ST S 76 DEG E 82.5 FT FROM SE COR FRANKLIN & FARMER STS TH S 76 DEG E 70 FT TH S 14 DEG W 165 FT TH N 76 DEG W 70 FT TH N 14 DEG E TO BEG O.P. SEC 22 & 23
Legal Lot Number	94-95
Jurisdiction	ALLEGAN MI
Township / Civil Division	OTSEGO
Census Block Group	2
Census Block	2010
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	Individual Name on Record
Mailing Address	110 E FRANKLIN ST, OTSEGO, MI 49078-1320
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 10, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Nov 20, 2025	Deed of Trust, Mortgage · Line of Credit CONSUMERS CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 18, 2004 · Amount on Record
Deed Sale	Aug 18, 2004 · Amount on Record
Prior Sale	Sep 24, 1996 · Amount on Record
Deed Book / Page	2719 / 303
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGAN MI
Recording Date	Apr 10, 2026
Property Address	110 E FRANKLIN ST, OTSEGO, MI 49078-1320
Document Number	005127/386
Book / Page	5127 / 386
Instrument Date	Apr 6, 2026
Instrument	20265946
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	110 E FRANKLIN ST, OTSEGO, MI 49078-1320

Mortgage

Document Number	0000005946,
Date	Apr 10, 2026
Book Page	5127/386
Instrument	20265946

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	May 1, 2046

Interest

Rate Type	Fixed Rate
Rate	6%
Initial Type	Fixed Rate
Max Rate	-1%

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGAN MI
Property Address	110 E FRANKLIN ST, OTSEGO, MI 49078-1320
Transaction Type	Mortgage
Record Updated	Dec 2, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	110 E FRANKLIN ST, OTSEGO, MI 49078-1320

Mortgage

Document Number	005088/662
Date	Nov 20, 2025
Book Page	5088/662
Instrument	2025018680

Lender

Name	CONSUMERS CU
Type	Credit Union
Address	KALAMAZOO, MI 49009

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Nov 27, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$119,100 (+4.02%) Land $11,900 Building $107,200	$238,200 (+4.02%) Land $23,800 Building $214,400
2025	$2,405.00 (+2.3%) Homeowner's exemption	$114,500 (+27.22%) Land $10,600 Building $103,900	$229,000 (+27.22%) Land $21,200 Building $207,800
2024	$2,351.00 (+16.73%)
2023		$90,000 Land $6,000 Building $84,000	$180,000 Land $12,000 Building $168,000
2022	$2,014.00

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

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

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 476 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
T-Mobile Fixed Wireless	100 / 20

May also be available: 123.NET.

Cell Coverage

5G (outdoors only) and 4G LTE

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