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

Otsego County property record for 207 E 3rd St, Gaylord, MI 49735

Property Summary

Property Type	Single Family Home
Lot Size	0.19 acres (8,276 sqft)
Owner	2 Individual Names on File
Last Sale	$95,300 (Jul 2021)
Tax Bill	$1,781 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Mar 2026 Mortgage + 4 more
APN	`103-360-006-006-00`

Property Details

APN / Parcel Number

Primary APN	`103-360-006-006-00`

Exterior

Lot Area	8,276 sqft (0.19 acres)
Lot Width	66 ft Width

Location & Zoning

Street Address	207 E 3RD ST
City	GAYLORD
State	MI
Zip	49735-1258
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 6 BLK 6 SHELDENS 1ST ADD. CITY OF GAYLORD SEC 4 T30N R3W
Legal Range	03W
Legal Township	30N
Legal Section	04
Legal Subdivision	SHELDENS 1ST ADD
Legal Block	6
Legal Lot Number	6
Jurisdiction	OTSEGO MI
Township / Civil Division	GAYLORD
Census Block Group	3
Census Block	3027
Census Tract	950300

Owner

207 E 3rd St is owned and occupied by two individuals who acquired it in March 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	207 E 3RD ST, GAYLORD, MI 49735-1258
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
Mar 19, 2026	Deed of Trust, Mortgage · Conventional Mortgage ORSA CREDIT UNION
Mar 19, 2026	Deed of Trust, Mortgage · Conventional Mortgage ORSA CREDIT UNION
Nov 16, 2023	Deed of Trust, Mortgage · Conventional Mortgage AWAKON FEDERAL CREDIT UNION
Nov 16, 2023	Deed of Trust, Mortgage · Conventional Mortgage AWAKON FEDERAL CREDIT UNION
Mar 19, 2026	Quit Claim Deed, Transfer · Conventional Mortgage ORSA CREDIT UNION
Jul 14, 2021	Warranty Deed, Transfer · Conventional Mortgage AWAKON FEDERAL CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 14, 2021 · Amount on File
Deed Sale	Jul 14, 2021 · Amount on File
Prior Sale	Aug 12, 2004
Deed Book / Page	1569 / 732
Last Transfer Date	Mar 13, 2026
Transfer Doc	001706/765
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTSEGO MI
Property Address	207 E 3RD ST, GAYLORD, MI 49735-1258
Transaction Type	Mortgage
Record Updated	Apr 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	207 E 3RD ST, GAYLORD, MI 49735-1258

Mortgage

Document Number	0000001706/0000000767
Date	Mar 19, 2026
Book Page	0000001706/0000000767

Lender

Name	ORSA CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	358 Months
Due	Jan 1, 2056

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTSEGO MI
Property Address	207 E 3RD ST, GAYLORD, MI 49735-1258
Transaction Type	Mortgage
Record Updated	Apr 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	207 E 3RD ST, GAYLORD, MI 49735-1258

Mortgage

Document Number	0000001706/0000000767
Date	Mar 19, 2026
Book Page	0000001706/0000000767

Lender

Name	ORSA CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	358 Months
Due	Jan 1, 2056

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTSEGO MI
Property Address	207 E 3RD ST, GAYLORD, MI 49735-1258
Transaction Type	Mortgage
Record Updated	Apr 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	207 E 3RD ST, GAYLORD, MI 49735-1258

Mortgage

Document Number	0000001644/0000000921
Date	Nov 16, 2023
Book Page	0000001644/0000000921

Lender

Name	AWAKON FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jan 1, 2038

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTSEGO MI
Property Address	207 E 3RD ST, GAYLORD, MI 49735-1258
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	207 E 3RD ST, GAYLORD, MI 49735-1258

Mortgage

Document Number	0000001644/0000000921
Date	Nov 16, 2023
Book Page	0000001644/0000000921

Lender

Name	AWAKON FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jan 1, 2038

March 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OTSEGO MI
Recording Date	Mar 19, 2026
Property Address	207 E 3RD ST, GAYLORD, MI 49735-1258
Document Number	001706/765
Book / Page	1706 / 765
Instrument Date	Mar 13, 2026
Transaction Type	Transfer
Record Updated	Apr 6, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	207 E 3RD ST, GAYLORD, MI 49735-1258

Mortgage

Document Number	0001706767
Date	Mar 19, 2026
Instrument	1706/767

Lender

Name	ORSA CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	358 Months
Due	Jan 1, 2056

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTSEGO MI
Recording Date	Jul 14, 2021
Property Address	207 E 3RD ST, GAYLORD, MI 49735-1258
Document Number	1569/732
Book / Page	1569 / 732
Instrument Date	Jul 1, 2021
Transaction Type	Transfer
Record Updated	Aug 9, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment 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	207 E 3RD ST, GAYLORD, MI 49735-1258

Mortgage

Document Number	1569733
Date	Jul 14, 2021
Instrument	1569/733

Lender

Name	AWAKON FEDERAL CREDIT UNION

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 207 E 3rd St was $1,781 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		$78,700 (+12.91%)	$157,400 (+12.91%)
2025	$1,781.00 (+1.48%) Homeowner's exemption	$69,700	$139,400
2024	$1,755.00
2023		$49,200	$98,400
2022	$1,693.00

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 207 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 207 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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