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

Otsego County property record for 202 E 3rd St, Gaylord, MI 49735

Property Summary

Property Type	Single Family Home
Lot Size	0.22 acres (9,583 sqft)
Owner	Individual Name on File
Last Sale	$237,000 (Aug 2025)
Tax Bill	$2,321 (2025)
Deeds & Mortgages	Aug 2025 Sale & Mortgage Jul 2021 Sale & Mortgage
APN	`103-360-007-004-00`

Property Details

APN / Parcel Number

Primary APN	`103-360-007-004-00`

Exterior

Lot Area	9,583 sqft (0.22 acres)
Lot Width	66 ft Width

Location & Zoning

Street Address	202 E 3RD ST
City	GAYLORD
State	MI
Zip	49735-1259
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 4 BLK. 7 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	7
Legal Lot Number	4
Jurisdiction	OTSEGO MI
Township / Civil Division	GAYLORD
Census Block Group	3
Census Block	3041
Census Tract	950300

Owner

202 E 3rd St is owned and occupied by an individual who bought it in August 2025.

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

Owner of Record	Individual Name on File
Mailing Address	419 E PETOSKEY ST, GAYLORD, MI 49735-1657
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
Aug 8, 2025	Warranty Deed, Transfer · Conventional Mortgage FEDERAL SAVINGS BANK
Jul 6, 2021	Warranty Deed, Transfer · VA Mortgage WINTRUST MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 8, 2025 · Amount on File
Deed Sale	Aug 8, 2025 · Amount on File
Prior Sale	Jul 6, 2021 · Amount on File
Deed Book / Page	1688 / 362
Prior Transfer Date	Nov 4, 2010
Prior Transfer Doc	1244/578
Record Updated	Oct 29, 2026

August 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTSEGO MI
Recording Date	Aug 8, 2025
Property Address	202 E 3RD ST, GAYLORD, MI 49735-1259
Document Number	001688/362
Book / Page	1688 / 362
Instrument Date	Jul 24, 2025
Transaction Type	Transfer
Record Updated	Oct 3, 2025
Title Company	RED CEDAR TITLE AGENCY LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$20.38
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	419 E PETOSKEY ST, GAYLORD, MI 49735-1657

Mortgage

Document Number	0001688317
Date	Aug 8, 2025
Instrument	1688/317

Lender

Name	FEDERAL SAVINGS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	353 Months
Due	Jan 1, 2055

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTSEGO MI
Recording Date	Jul 6, 2021
Property Address	202 E 3RD ST, GAYLORD, MI 49735-1259
Document Number	1568/820
Book / Page	1568 / 820
Instrument Date	Jun 30, 2021
Transaction Type	Transfer
Record Updated	Jul 27, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8719 FINNEGAN RD, JOHANNESBURG, MI 49751-9702

Mortgage

Document Number	1568821
Date	Jul 6, 2021
Instrument	1568/821

Lender

Name	WINTRUST MORTGAGE

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	354 Months
Due	Jan 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 202 E 3rd St was $2,321 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		$103,800 (+11.73%)	$207,600 (+11.73%)
2025	$2,321.00 (+1.49%) Homeowner's exemption	$92,900	$185,800
2024	$2,287.00
2023		$61,700	$123,400
2022	$2,206.00

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

FEMA has no flood map on file for 202 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 202 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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