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

Otsego County property record for 124 E 3rd St, Gaylord, MI 49735

Property Summary

Property Type	Single Family Home
Lot Size	0.42 acres (18,295 sqft)
Owner	Individual Name on File
Last Sale	$65,000 (Apr 2016)
Tax Bill	$2,114 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Oct 2019 Transfer
APN	`103-360-008-001-00`

Property Details

APN / Parcel Number

Primary APN	`103-360-008-001-00`

Exterior

Lot Area	18,295 sqft (0.42 acres)
Lot Width	132 ft Width

Location & Zoning

Street Address	124 E 3RD ST
City	GAYLORD
State	MI
Zip	49735-1257
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 1 & 6 BLK. 8 SHELDENS FIRST ADDITIONCITY 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	1,6
Jurisdiction	OTSEGO MI
Township / Civil Division	GAYLORD
Census Block Group	3
Census Block	3040
Census Tract	950300

Owner

124 E 3rd St is owned and occupied by an individual who acquired it in October 2019.

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

Owner of Record	Individual Name on File
Mailing Address	124 E 3RD ST, GAYLORD, MI 49735-1257
Occupancy	Owner Occupied
Owner Type	Individual

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
Jun 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage AWAKON FEDERAL CREDIT UNION
Oct 17, 2019	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 27, 2016 · Amount on File
Deed Sale	Apr 27, 2016 · Amount on File
Prior Sale	Jan 12, 1999
Deed Book / Page	1401 / 266
Last Transfer Date	Oct 10, 2019
Transfer Doc	1506/382
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTSEGO MI
Property Address	124 E 3RD ST, GAYLORD, MI 49735-1257
Transaction Type	Mortgage
Record Updated	Jul 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	124 E 3RD ST, GAYLORD, MI 49735-1257

Mortgage

Document Number	0000001566/0000000758
Date	Jun 17, 2021
Book Page	0000001566/0000000758

Lender

Name	AWAKON FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Jan 1, 2041

October 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OTSEGO MI
Recording Date	Oct 17, 2019
Property Address	124 E 3RD ST, GAYLORD, MI 49735-1257
Document Number	1506/382
Book / Page	1506 / 382
Instrument Date	Oct 10, 2019
Transaction Type	Transfer
Record Updated	Dec 3, 2021

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	124E 3RD ST, GAYLORD, MI 49735-1257

Tax Assessment & Valuation

The 2025 property tax bill for 124 E 3rd St was $2,114 with a homeowner's exemption, up 1.5% 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		$147,300 (+11.51%)	$294,600 (+11.51%)
2025	$2,114.00 (+1.49%) Homeowner's exemption	$132,100	$264,200
2024	$2,083.00
2023		$86,800	$173,600
2022	$2,009.00

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 124 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 124 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.

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