Otsego County property record for 121 E Mitchell St, Gaylord, MI 49735
| Property Type | Commercial |
|---|---|
| Lot Size | 0.43 acres (18,731 sqft) |
| Owner | Company Name on Record |
| Last Sale | $237,500 (Jul 2026) |
| Tax Bill | $4,116 (2025) |
| Deeds & Mortgages | Jul 2026 Mortgage Jul 2026 Sale & Mortgage + 5 more |
| APN | 101-034-000-145-01 |
| Primary APN | 101-034-000-145-01 |
|---|
| Lot Area | 18,731 sqft (0.43 acres) |
|---|---|
| Lot Width | 114 ft Width |
| Street Address | 121 E MITCHELL ST |
|---|---|
| City | GAYLORD |
| State | MI |
| Zip | 49735-1460 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Legal Description | COMM AT SW COR OF SEC 34, TH N03?27?40?E 709.95? ALG W LINE OF SEC; TH S86?42?22?E 182.93? ALG N ROW LINE OF MITCHELL ST TO |
| Legal Range | 03W |
| Legal Township | 31N |
| Legal Section | 34 |
| Legal Subdivision | GAYLORD SEC 34 |
| Jurisdiction | OTSEGO MI |
| Township / Civil Division | GAYLORD |
| Census Block Group | 3 |
| Census Block | 3011 |
| Census Tract | 950300 |
Source: Otsego County records, as of October 22, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 6855 MOUNTAIN PASS, GAYLORD, MI 49735-8744 |
| Owner Type | Company |
| Date | Document |
|---|---|
| Jul 7, 2026 | Deed of Trust, Mortgage · Conventional Mortgage STATE SAVINGS BANK |
| Jul 13, 2026 | Warranty Deed, Transfer · Conventional Mortgage STATE SAVINGS BANK |
| Jul 13, 2026 | Deed of Trust, Mortgage · Conventional Mortgage STATE SAVINGS BANK |
| Nov 19, 2025 | Deed of Trust, Mortgage · Conventional Mortgage STATE SAVINGS BANK |
| Nov 19, 2025 | Deed of Trust, Mortgage · Conventional Mortgage STATE SAVINGS BANK |
| Apr 1, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance THE HUNTINGTON NATIONAL BANK |
| Nov 19, 2025 | Quit Claim Deed, Transfer · Conventional Mortgage STATE SAVINGS BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 13, 2026 · Amount on Record |
| Deed Sale | Jul 13, 2026 · Amount on Record |
| Prior Sale | Nov 19, 2025 |
| Deed Book / Page | 1716 / 199 |
| Prior Transfer Date | Nov 14, 2025 |
| Prior Transfer Doc | 001697/827 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTSEGO MI |
| Recording Date | Jul 7, 2026 |
| Property Address | 121 E MITCHELL ST, GAYLORD, MI 49735-1460 |
| Document Number | 1715000385 |
| Book / Page | 1715 / 385 |
| Instrument Date | Jun 30, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Aug 10, 2026 |
| Name | Verified Name |
|---|---|
| Address | 6855 MOUNTAIN PASS, GAYLORD, MI 49735-8744 |
| Document Number | 1715000385, |
|---|---|
| Date | Jul 7, 2026 |
| Book Page | 1715/385 |
| Name | STATE SAVINGS BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate | 6.48% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OTSEGO MI |
| Recording Date | Jul 13, 2026 |
| Property Address | 121 E MITCHELL ST, GAYLORD, MI 49735-1460 |
| Document Number | 1716000199 |
| Book / Page | 1716 / 199 |
| Instrument Date | Jun 30, 2026 |
| Transaction Type | Transfer |
| Record Updated | Aug 17, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 6855 MOUNTAIN PASS, GAYLORD, MI 49735-8744 |
| Document Number | 1715000385, |
|---|---|
| Date | Jul 13, 2026 |
| Book Page | 1715/385 |
| Name | STATE SAVINGS BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate | 6.48% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTSEGO MI |
| Recording Date | Jul 13, 2026 |
| Property Address | 121 E MITCHELL ST, GAYLORD, MI 49735-1460 |
| Document Number | 1715000385 |
| Book / Page | 1715 / 385 |
| Instrument Date | Jun 30, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Aug 24, 2026 |
| Name | Verified Name |
|---|---|
| Address | 6855 MOUNTAIN PASS, GAYLORD, MI 49735-8744 |
| Document Number | 1715000385, |
|---|---|
| Date | Jul 13, 2026 |
| Book Page | 1715/385 |
| Name | STATE SAVINGS BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTSEGO MI |
| Property Address | 121 E MITCHELL ST, GAYLORD, MI 49735-1460 |
| Transaction Type | Mortgage |
| Record Updated | Dec 15, 2025 |
| Name | Verified Name |
|---|---|
| Address | 121 E MITCHELL ST, GAYLORD, MI 49735-1460 |
| Document Number | 0000001697/0000000829 |
|---|---|
| Date | Nov 19, 2025 |
| Book Page | 0000001697/0000000829 |
| Name | STATE SAVINGS BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTSEGO MI |
| Property Address | 121 E MITCHELL ST, GAYLORD, MI 49735-1460 |
| Transaction Type | Mortgage |
| Record Updated | Dec 8, 2025 |
| Name | Verified Name |
|---|---|
| Address | 121 E MITCHELL ST, GAYLORD, MI 49735-1460 |
| Document Number | 0000001697/0000000829 |
|---|---|
| Date | Nov 19, 2025 |
| Book Page | 0000001697/0000000829 |
| Name | STATE SAVINGS BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTSEGO MI |
| Property Address | 121 E MITCHELL ST, GAYLORD, MI 49735-1460 |
| Transaction Type | Mortgage |
| Record Updated | Dec 1, 2025 |
| Name | Verified Name |
|---|
| Document Number | 001488/191 |
|---|---|
| Date | Apr 1, 2019 |
| Book Page | 1488/191 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OTSEGO MI |
| Recording Date | Nov 19, 2025 |
| Property Address | 121 E MITCHELL ST, GAYLORD, MI 49735-1460 |
| Document Number | 001697/827 |
| Book / Page | 1697 / 827 |
| Instrument Date | Nov 14, 2025 |
| Transaction Type | Transfer |
| Record Updated | Dec 1, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 121 E MITCHELL ST, GAYLORD, MI 49735-1460 |
| Document Number | 0001697829 |
|---|---|
| Date | Nov 19, 2025 |
| Instrument | 1697/829 |
| Name | STATE SAVINGS BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Otsego County assessment roll, as of October 22, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Otsego County |
| Municipality | Gaylord City |
| Unified School District | Gaylord Community Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $119,100 (+8.67%) | $238,200 (+8.67%) | |
| 2025 | $4,116.00 (+2.11%) | $109,600 (+5.38%) | $219,200 (+5.38%) |
| 2024 | $4,031.00 (+4.03%) | ||
| 2023 | $104,000 | $208,000 | |
| 2022 | $3,875.00 |
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.
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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 324 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 |
| Baraga Telephone Company Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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