118 E Franklin St, Otsego, MI 49078 Property Records

Allegan County property record for 118 E Franklin St, Otsego, MI 49078

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,504 sqft · built 1880
Lot Size	0.178 acres (7,754 sqft)
Owner	Individual Name on Record
Last Sale	$200,100 (May 2025)
Tax Bill	$2,311 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Nov 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`54-100-094-70`

Property Details

APN / Parcel Number

Primary APN	`54-100-094-70`
Alternative APN	`03-54-100-094-70`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	1,504 sqft Living Area
1st Floor Area	1,072 sqft
Basement Area	672 sqft
Unfinished Basement	672 sqft

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Exterior Material	Wood
Foundation Type	No Foundation
Lot Area	7,754 sqft (0.178 acres)
Lot Dimensions	165 ft deep x 47 ft wide

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	118 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	COM AT NE COR OF THE W 1/2 OF LOT 94 TH W'LY 47 FT ON THE N LIN OF SD LOT TH S'LY 165 FT PPL WITH E & W LIN OF SD LOT TH E'LY 47 FT ON S LIN OF SD LOT TH N'LY 165 FT TO POB O. P. SEC'S 22 & 23. (72).
Legal Subdivision	CITY OTSEGO
Legal Lot Number	94
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	604 W HILL ST, PLAINWELL, MI 49080-1536
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Woman

Deeds, Mortgages & Sale History

Date	Document
Dec 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE CENTER LLC
Nov 13, 2019	Warranty Deed, Transfer · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC
Jan 12, 2018	Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 1, 2025 · Amount on Record
Deed Sale	May 1, 2025 · Amount on Record
Prior Sale	Nov 13, 2019 · Amount on Record
Deed Document Number	20256707
Deed Book / Page	5029 / 772
Prior Transfer Date	Sep 15, 2016
Prior Transfer Doc	4068/596
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGAN MI
Property Address	118 E FRANKLIN ST, OTSEGO, MI 49078-1320
Transaction Type	Mortgage
Record Updated	May 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004546/840
Date	Dec 4, 2020
Book Page	4546/840

Lender

Name	MORTGAGE CENTER LLC
Type	Mortgage Company
Address	SOUTHFIELD, MI 48076

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2050

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEGAN MI
Recording Date	Nov 13, 2019
Property Address	118 E FRANKLIN ST, OTSEGO, MI 49078-1320
Document Number	004402/154
Book / Page	4402 / 154
Map Reference	LB 5 PG 231
Instrument Date	Oct 31, 2019
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	616 TITLE AGENCY/MI LLC, 616 TITLE AGENCY OF MI LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$137.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3859 BRUCE DR SW, 3859, GRANDVILLE, MI 49418-2488

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	118 E FRANKLIN ST, OTSEGO, MI 49078-1320

Mortgage

Document Number	0004402157
Date	Nov 13, 2019
Instrument	4402/157

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2049

January 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	ALLEGAN MI
Recording Date	Jan 12, 2018
Property Address	118 E FRANKLIN ST, OTSEGO, MI 49078-1320
Document Number	4213/367
Book / Page	4213 / 367
Instrument Date	Dec 26, 2017
Instrument	4213-367
Transaction Type	Transfer
Record Updated	Aug 3, 2021

Transaction

Amount	Amount Recorded
Tax	$473.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3415 VISION DR, 3415, COLUMBUS, OH 43219-6009

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3859 BRUCE DR SW, GRANDVILLE, MI 49418-2488

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		$78,000 (+45.25%) Land $8,000 Building $70,000	$156,000 (+45.25%) Land $16,000 Building $140,000
2025	$2,311.00 (+19.37%)
2023		$53,700 Land $4,100 Building $49,600	$107,400 Land $8,200 Building $99,200
2022	$1,936.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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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