204 E Franklin St, Otsego, MI 49078 Property Records

Allegan County property record for 204 E Franklin St, Otsego, MI 49078

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,094 sqft
Lot Size	0.147 acres (6,403 sqft)
Owner	2 Individual Names on Record
Last Sale	$82,000 (Jan 2007)
Tax Bill	$2,048 (2025)
Deeds & Mortgages	Sep 2025 Line of Credit Feb 2024 Transfer
Flood Zone	Zone X (minimal risk)
APN	`54-110-085-70`

Property Details

APN / Parcel Number

Primary APN	`54-110-085-70`
Alternative APN	`03-54-110-085-70`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,094 sqft Living Area
1st Floor Area	1,304 sqft
Basement Area	928 sqft
Unfinished Basement	928 sqft

Exterior

Architectural Style	Cape Cod
Exterior Material	Wood
Foundation Type	No Foundation
Lot Area	6,403 sqft (0.147 acres)
Lot Dimensions	77.5 ft deep x 82.5 ft wide
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	204 E FRANKLIN ST
City	OTSEGO
State	MI
Zip	49078-1327
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-B
Legal Description	82.5' E & W BY 77.5' N & S OFF THE N END OF W 1/2 OF LOT 85 BLK 10 P. O. SEC'S 22 & 23. (72).
Legal Subdivision	ORIGINAL PLAT OF THE VILLAGE OF OTSEGO
Legal Block	10
Legal Lot Number	85
Jurisdiction	ALLEGAN MI
Township / Civil Division	OTSEGO
Census Block Group	2
Census Block	2009
Census Tract	31900

Owner

Source: Allegan County records, as of September 9, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	204 E FRANKLIN ST, OTSEGO, MI 49078-1327
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 23, 2025	Deed of Trust, Mortgage · Line of Credit ADVIA CU
Feb 9, 2024	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 12, 2007 · Amount on Record
Deed Sale	Jan 12, 2007 · Amount on Record
Prior Sale	Aug 29, 2005 · Amount on Record
Deed Book / Page	3078 / 626
Last Transfer Date	Dec 21, 2023
Transfer Doc	004919/773
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGAN MI
Property Address	204 E FRANKLIN ST, OTSEGO, MI 49078-1327
Transaction Type	Mortgage
Record Updated	Oct 1, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	204 E FRANKLIN ST, OTSEGO, MI 49078-1327

Mortgage

Document Number	005070/616
Date	Sep 23, 2025
Book Page	5070/616
Instrument	2025015149

Lender

Name	ADVIA CU
Type	Credit Union
Address	KALAMAZOO, MI 49009

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Sep 22, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ALLEGAN MI
Recording Date	Feb 9, 2024
Property Address	204 E FRANKLIN ST, OTSEGO, MI 49078-1327
Document Number	004919/773
Book / Page	4919 / 773
Instrument Date	Dec 21, 2023
Instrument	2024001747
Transaction Type	Transfer
Record Updated	Feb 28, 2024

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	204 E FRANKLIN ST, OTSEGO, MI 49078-1327

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		$115,200 (+6.47%) Land $12,100 Building $103,100	$230,400 (+6.47%) Land $24,200 Building $206,200
2025	$2,048.00 (+2.3%) Homeowner's exemption	$108,200 (+34.24%) Land $10,800 Building $97,400	$216,400 (+34.24%) Land $21,600 Building $194,800
2024	$2,002.00 (+16.73%)
2023		$80,600 Land $6,100 Building $74,500	$161,200 Land $12,200 Building $149,000
2022	$1,715.00

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

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

Nearby Properties on E Franklin St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures