221 E Franklin St, Otsego, MI 49078 Property Records

Allegan County property record for 221 E Franklin St, Otsego, MI 49078

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,492 sqft · built 1920
Lot Size	0.167 acres (7,275 sqft)
Owner	2 Individual Names on Record
Last Sale	$47,500 (Dec 2014)
Tax Bill	$1,513 (2025)
Deeds & Mortgages	Jul 2017 Mortgage Jun 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`54-107-082-50`

Property Details

APN / Parcel Number

Primary APN	`54-107-082-50`
Alternative APN	`03-54-107-082-50`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	1,492 sqft Living Area
1st Floor Area	1,044 sqft
Basement Area	824 sqft
Unfinished Basement	836 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Exterior Material	Stucco
Lot Area	7,275 sqft (0.167 acres)
Lot Dimensions	132 ft deep x 55 ft wide

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	221 E FRANKLIN ST
City	OTSEGO
State	MI
Zip	49078-1321
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-B
Legal Description	SLY 132 FT OF ELY 27.5 FT LOT 82 BLOCK 7 ALSO S 132 FT OF WLY 22.5 FT OF LOT 83 BLOCK 7 & THE SLY 132 FT OF WLY 5 FT OF ELY 60 FT OF LOT 83 BLK 7 O. P. SEC 22 & 23. (64).
Legal Block	7
Legal Lot Number	82-83
Jurisdiction	ALLEGAN MI
Township / Civil Division	OTSEGO
Census Block Group	2
Census Block	2004
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	221 E FRANKLIN ST, OTSEGO, MI 49078-1321
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 17, 2017	Deed of Trust, Mortgage CONSUMERS CU
Jun 22, 2020	Deed of Trust, Mortgage · Line of Credit CONSUMERS CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 2, 2014 · Amount on Record
Deed Sale	Dec 2, 2014 · Amount on Record
Deed Book / Page	3886 / 101
Prior Transfer Date	Sep 20, 2013
Prior Transfer Doc	3783/611
Record Updated	Oct 29, 2026

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGAN MI
Property Address	221 E FRANKLIN ST, OTSEGO, MI 49078-1321
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	4159/284
Date	Jul 17, 2017
Book Page	4159/284

Lender

Name	CONSUMERS CU
Type	Credit Union
Address	KALAMAZOO, MI 49009

Agreement

Amount	Amount Recorded
Term	204 Months
Due	Jul 25, 2034

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGAN MI
Property Address	221 E FRANKLIN ST, OTSEGO, MI 49078-1321
Transaction Type	Mortgage
Record Updated	Jul 6, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	4475/35
Date	Jun 22, 2020
Book Page	4475/35

Lender

Name	CONSUMERS CU
Type	Credit Union
Address	OSHTEMO, MI 49077

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 27, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$77,800 (+32.76%) Land $8,900 Building $68,900	$155,600 (+32.76%) Land $17,800 Building $137,800
2025	$1,513.00 (+19.32%)
2023		$58,600 Land $4,500 Building $54,100	$117,200 Land $9,000 Building $108,200
2022	$1,268.00

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

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