218 E Franklin St, Otsego, MI 49078 Property Records

Allegan County property record for 218 E Franklin St, Otsego, MI 49078

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,696 sqft · built 1880
Lot Size	0.322 acres (14,026 sqft)
Owner	2 Individual Names on Record
Last Sale	$222,222 (Dec 2023)
Tax Bill	$3,648 (2025)
Deeds & Mortgages	Apr 2018 Mortgage Apr 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`54-110-084-50`

Property Details

APN / Parcel Number

Primary APN	`54-110-084-50`
Alternative APN	`03-54-110-084-50`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	1,696 sqft Living Area
1st Floor Area	1,160 sqft
Basement Area	1,160 sqft
Unfinished Basement	1,160 sqft

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Exterior Material	Wood
Lot Area	14,026 sqft (0.322 acres)
Lot Dimensions	165 ft deep x 85 ft wide
Garage Area	208 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	218 E FRANKLIN ST
City	OTSEGO
State	MI
Zip	49078-1322
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-B
Legal Description	WLY 1/2 LOT 84 BLOCK 10.
Legal Subdivision	VILLAGE OTSEGO
Legal Block	10
Legal Lot Number	84
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	218 E FRANKLIN ST, OTSEGO, MI 49078-1322
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 25, 2018	Deed of Trust, Mortgage · Conventional Mortgage AMERIFIRST FINANCIAL CORP
Apr 27, 2018	Warranty Deed, Transfer DEVON TITLE COMPANY, DEVON TITLE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 15, 2023 · Amount on Record
Deed Sale	Dec 15, 2023 · Amount on Record
Prior Sale	Apr 27, 2018 · Amount on Record
Deed Document Number	202318342
Deed Book / Page	4909 / 366
Record Updated	Oct 29, 2026

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGAN MI
Property Address	218 E FRANKLIN ST, OTSEGO, MI 49078-1322
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	4240/076
Date	Apr 25, 2018
Book Page	4240/076

Lender

Name	AMERIFIRST FINANCIAL CORP
Type	Funding / Finance Company
Address	PORTAGE, MI 49002

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2048

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEGAN MI
Recording Date	Apr 27, 2018
Property Address	218 E FRANKLIN ST, OTSEGO, MI 49078-1322
Document Number	4240/589
Book / Page	4240 / 589
Map Reference	LB5 PG231
Instrument Date	Apr 18, 2018
Transaction Type	Transfer
Record Updated	Aug 3, 2021
Title Company	DEVON TITLE COMPANY, DEVON TITLE CO

Transaction

Amount	Amount Recorded
Tax	$1,049.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	31 108TH AVE, 31, PLAINWELL, MI 49080-9101

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	630 CHARLIE CT APT 1C, 1C, PORTAGE, MI 49002-7913

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		$99,600 (+47.12%) Land $14,400 Building $85,200	$199,200 (+47.12%) Land $28,800 Building $170,400
2025	$3,648.00 (+71.35%)
2023		$67,700 Land $7,300 Building $60,400	$135,400 Land $14,600 Building $120,800
2022	$2,129.00

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

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

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