118 E 3rd St, Gaylord, MI 49735 Property Records

Otsego County property record for 118 E 3rd St, Gaylord, MI 49735

Property Summary

Property Type	Single Family Home
Lot Size	0.21 acres (9,148 sqft)
Owner	Company Name on File
Tax Bill	$5,388 (2025)
Deeds & Mortgages	Nov 2023 Transfer Oct 2023 Sale & Mortgage + 1 more
APN	`103-360-008-002-00`

Property Details

APN / Parcel Number

Primary APN	`103-360-008-002-00`

Exterior

Lot Area	9,148 sqft (0.21 acres)
Lot Width	66 ft Width

Location & Zoning

Street Address	118 E 3RD ST
City	GAYLORD
State	MI
Zip	49735-1257
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 2 BLK 8 SHELDENS FIRST ADDITION CITY OF GAYLORD. SEC 4 T30N R3W.
Legal Range	03W
Legal Township	30N
Legal Section	04
Legal Subdivision	SHELDENS FIRST ADD
Legal Block	8
Legal Lot Number	2
Jurisdiction	OTSEGO MI
Township / Civil Division	GAYLORD
Census Block Group	3
Census Block	3040
Census Tract	950300

Owner

118 E 3rd St is owned by a company that acquired it in November 2023.

Source: Otsego County records, as of October 22, 2026

Owner of Record	Company Name on File
Mailing Address	17606 SANTA ROSA DR, DETROIT, MI 48221-2645
Owner Type	Company
Vesting	Company

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

Date	Document
Nov 30, 2023	Quit Claim Deed, Transfer Quitclaim
Oct 9, 2023	Warranty Deed, Transfer · Conventional Mortgage BANK OF AMERICA
Nov 10, 2022	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 30, 2023
Deed Sale	Nov 30, 2023
Prior Sale	Oct 9, 2023 · Amount on File
Deed Book / Page	1645 / 556
Prior Transfer Date	Nov 29, 2023
Prior Transfer Doc	001645/556
Record Updated	Oct 29, 2026

November 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OTSEGO MI
Recording Date	Nov 30, 2023
Property Address	118 E 3RD ST, GAYLORD, MI 49735-1257
Document Number	001645/556
Book / Page	1645 / 556
Instrument Date	Nov 29, 2023
Transaction Type	Transfer
Record Updated	Dec 29, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	17606 SANTA ROSA DR, DETROIT, MI 48221-2645

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTSEGO MI
Recording Date	Oct 9, 2023
Property Address	118 E 3RD ST, GAYLORD, MI 49735-1257
Document Number	001641/822
Book / Page	1641 / 822
Instrument Date	Oct 6, 2023
Transaction Type	Transfer
Record Updated	Nov 17, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$15.91
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	17606 SANTA ROSA DR, DETROIT, MI 48221-2645

Mortgage

Document Number	0001641825
Date	Oct 9, 2023
Instrument	1641/825

Lender

Name	BANK OF AMERICA

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	351 Months
Due	Jan 1, 2053

November 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OTSEGO MI
Recording Date	Nov 10, 2022
Property Address	118 E 3RD ST, GAYLORD, MI 49735-1257
Document Number	001618/353
Book / Page	1618 / 353
Instrument Date	Sep 30, 2022
Transaction Type	Transfer
Record Updated	Nov 21, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4397 E VAIL LN, GAYLORD, MI 49735-7920

Tax Assessment & Valuation

The 2025 property tax bill for 118 E 3rd St was $5,388, down 3.5% from the year before.

Source: Otsego County assessment roll, as of October 22, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Otsego County
Municipality	Gaylord City
Unified School District	Gaylord Community Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$103,700 (+11.15%)	$207,400 (+11.15%)
2025	$5,388.00 (-3.54%)	$93,300	$186,600
2024	$5,586.00
2023		$61,900	$123,800
2022	$2,876.00

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

Flood

FEMA has no flood map on file for 118 E 3rd St.

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

Wildfire risk around 118 E 3rd 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 Risk	Low lower than 80% of the US · above 51% of Michigan
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within 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	CITY OF GAYLORD serves 3,629 people · EPA ID MI0002600
Water Source	Groundwater
Last State Inspection	Jul 2022
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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 286 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: Baraga Telephone Company.

Nearby Properties on E 3rd St

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