115 E Franklin St, Otsego, MI 49078 Property Records

Allegan County property record for 115 E Franklin St, Otsego, MI 49078

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,993 sqft · built 1913
Lot Size	0.279 acres (12,153 sqft)
Owner	2 Individual Names on Record
Tax Bill	$25 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Oct 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`54-100-078-00`

Property Details

APN / Parcel Number

Primary APN	`54-100-078-00`
Alternative APN	`03-54-100-078-00`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,993 sqft Living Area
1st Floor Area	1,368 sqft
Basement Area	636 sqft
Unfinished Basement	636 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1913
Effective Year Built	Effective 1913
Exterior Material	Wood
Foundation Type	No Foundation
Lot Area	12,153 sqft (0.279 acres)
Lot Dimensions	148 ft deep x 82 ft wide
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	115 E FRANKLIN ST
City	OTSEGO
State	MI
Zip	49078-1319
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-B
Legal Description	LOT 78 EX NLY 16 1/2 FT O. P. SEC 22 & 23.
Legal Subdivision	FRANKLIN STREET
Legal Lot Number	78
Jurisdiction	ALLEGAN MI
Township / Civil Division	OTSEGO
Census Block Group	2
Census Block	2003
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	2 Individual Names on Record
Mailing Address	115 E FRANKLIN ST, OTSEGO, MI 49078-1319
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 11, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Oct 6, 2017	Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC
May 26, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Mar 8, 2017	Intrafamily Transfer, Transfer · VA Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 8, 2017
Deed Sale	Mar 8, 2017
Prior Sale	Oct 2, 1997
Deed Book / Page	4119 / 871
Prior Transfer Date	Feb 21, 2017
Prior Transfer Doc	4119/871
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGAN MI
Property Address	115 E FRANKLIN ST, OTSEGO, MI 49078-1319
Transaction Type	Mortgage
Record Updated	Feb 22, 2021
Title Company	INSPIRE CLOSING SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	4577/193
Date	Feb 11, 2021
Book Page	4577/193

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGAN MI
Property Address	115 E FRANKLIN ST, OTSEGO, MI 49078-1319
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	4183/824
Date	Oct 6, 2017
Book Page	4183/824
Instrument	4183-824

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2047

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGAN MI
Property Address	115 E FRANKLIN ST, OTSEGO, MI 49078-1319
Transaction Type	Mortgage
Record Updated	Jun 8, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	4465/950
Date	May 26, 2020
Book Page	4465/950

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2050

March 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ALLEGAN MI
Recording Date	Mar 8, 2017
Property Address	115 E FRANKLIN ST, OTSEGO, MI 49078-1319
Document Number	4119/871
Book / Page	4119 / 871
Instrument Date	Feb 21, 2017
Transaction Type	Transfer
Record Updated	Aug 3, 2021
Title Company	ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 E FRANKLIN ST, OTSEGO, MI 49078-1319

Mortgage

Document Number	4119874
Date	Mar 8, 2017
Instrument	4119/874

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2047

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		$117,700 (+3.52%) Land $13,600 Building $104,100	$235,400 (+3.52%) Land $27,200 Building $208,200
2025	$25.00 Homeowner's exemption	$113,700 Land $12,200 Building $101,500	$227,400 Land $24,400 Building $203,000
2024	$25.00
2022	$25.00

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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