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114 E Franklin St, Otsego, MI 49078 Property Records

Allegan County property record for 114 E Franklin St, Otsego, MI 49078

Property Summary

Property TypeSingle Family Home
Details3 bd · 1.5 ba · 2,014 sqft · built 1913
Lot Size0.182 acres (7,928 sqft)
Owner2 Individual Names on File
Last Sale$106,000 (Nov 2011)
Tax Bill$4,763 (2025)
Deeds & MortgagesJul 2022 Sale
Mar 2022 Mortgage
Flood ZoneZone X (minimal risk)
APN54-100-093-80

Property Details

APN / Parcel Number

Primary APN54-100-093-80
Alternative APN
  • 03-54-100-093-80

Interior

Bedrooms3 Beds
Full Baths1.5 Baths
Half Baths1 Half Bath
Stories1 Story
Building Area2,014 sqft Living Area
1st Floor Area1,412 sqft
Basement Area1,204 sqft
Unfinished Basement1,204 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1913
Effective Year BuiltEffective 1913
Architectural StyleCape Cod
Exterior MaterialStucco
Foundation TypeNo Foundation
Lot Area7,928 sqft (0.182 acres)
Lot Dimensions165 ft deep x 48 ft wide
Garage Area528 sqft
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Heating SystemForced Air with A/C

Location & Zoning

Street Address114 E FRANKLIN ST
CityOTSEGO
StateMI
Zip49078-1320
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR-B
Legal DescriptionPT OF RESERVED LOTS LYING WLY OF LOTS 94 & 95 COM ON S LINE FRANKLIN ST S 76 DEG E 152.5 FT FROM SE COR FRANKLIN & FARMER STS TH S 76 DEG E 12.5 FT TH S 14 DEG W 165 FT TH N 76 DEG W 12.5 FT TH N 14 DEG E TO BEG ALSO WLY 1/2 OF LOT 94 EX ELY 47 FT O.
Legal Lot Number94-95
JurisdictionALLEGAN MI
Township / Civil DivisionOTSEGO
Census Block Group2
Census Block2010
Census Tract31900

Owner

114 E Franklin St is owned and occupied by two individuals who bought it in November 2011.

Source: Allegan County records, as of September 9, 2026

Owner of Record2 Individual Names on File
Mailing Address114 E FRANKLIN ST, OTSEGO, MI 49078-1320
OccupancyOwner Occupied
Owner TypeIndividual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

DateDocument
Jul 6, 2022Affidavit, Transfer
TITLE RESOURCE AGENCY
Mar 3, 2022Deed of Trust, Mortgage · Conventional Mortgage
AMERIFIRST FINANCIAL CORP

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleNov 21, 2011 · Amount on File
Deed SaleNov 21, 2011 · Amount on File
Prior SaleMay 14, 1999 · Amount on File
Deed Book / Page3565 / 175
Record UpdatedOct 29, 2026

July 2022: Affidavit, Transfer

Document TypeAffidavit
JurisdictionALLEGAN MI
Recording DateJul 6, 2022
Property Address114 E FRANKLIN ST, OTSEGO, MI 49078-1320
Document Number004776/881
Book / Page4776 / 881
Instrument DateJun 27, 2022
Instrument2022013440
Transaction TypeTransfer
Record UpdatedJul 13, 2022
Title CompanyTITLE RESOURCE AGENCY

Transaction

AmountAmount on Record
Tax$1,590.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address799 BAYBERRY LN, 799, PRINCETON, TX 75407-2745

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address114 E FRANKLIN ST, OTSEGO, MI 49078-1320

March 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionALLEGAN MI
Property Address114 E FRANKLIN ST, OTSEGO, MI 49078-1320
Transaction TypeMortgage
Record UpdatedMar 9, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address114 E FRANKLIN ST, OTSEGO, MI 49078-1320

Mortgage

Document Number004735/974
DateMar 3, 2022
Book Page4735/974
Instrument2022004378
Lender
NameAMERIFIRST FINANCIAL CORP
TypeFunding / Finance Company
AddressPORTAGE, MI 49002
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueApr 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 114 E Franklin St was $4,763 with a homeowner's exemption.

Source: Allegan County assessment roll, as of September 9, 2026

Property Jurisdictions

TypeName
StateMichigan
CountyAllegan County
MunicipalityOtsego City
Unified School DistrictOtsego Public Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$131,700 Land $8,200 Building $123,500$263,400 Land $16,400 Building $247,000
2025$4,763.00
2023$98,900 Land $4,100 Building $94,800$197,800 Land $8,200 Building $189,600
2022$2,210.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 114 E Franklin St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective June 21, 2023

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 114 E Franklin St is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 80% of the US · above 51% of Michigan
Wildfire Likelihood0.01% annual chance
ExposureNone
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 SystemOTSEGO
serves 4,120 people · EPA ID MI0005060
Water SourceGroundwater
Last State InspectionApr 2025
LeadUnder 1 ppb (2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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

ProviderMax 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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