225 E Franklin St, Otsego, MI 49078 Property Records

Allegan County property record for 225 E Franklin St, Otsego, MI 49078

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,024 sqft
Lot Size	0.167 acres (7,275 sqft)
Owner	2 Individual Names on Record
Last Sale	$160,000 (Dec 2025)
Tax Bill	$2,214 (2025)
Deeds & Mortgages	Dec 2025 Sale & Mortgage Jul 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`54-107-083-00`

Property Details

APN / Parcel Number

Primary APN	`54-107-083-00`

Interior

Full Baths	1 Bath
Stories	2 Stories
Building Area	1,024 sqft Living Area
1st Floor Area	688 sqft
Basement Area	448 sqft
Unfinished Basement	764 sqft

Exterior

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	225 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	E 60' OF LOT 83 BLK 7 OP EX N 2 RDS ALSO EX S'LY 132' OF W'LY 5' OF E'LY 60 OP SEC 22 & 23.
Legal Subdivision	CITY OTSEGO
Legal Block	7
Legal Lot Number	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 June 25, 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	500 STREETER AVE, 9, ALLEGAN, MI 49010-8622
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

Deeds, Mortgages & Sale History

Date	Document
Dec 23, 2025	Warranty Deed, Transfer · FHA Mortgage SUCCESS MORTGAGE PARTNERS INC
Jul 8, 2022	Warranty Deed, Transfer · Conventional Mortgage FIFTH THIRD BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 23, 2025 · Amount on Record
Deed Sale	Dec 23, 2025 · Amount on Record
Prior Sale	Jul 8, 2022 · Amount on Record
Deed Document Number	202520702
Deed Book / Page	5098 / 949
Record Updated	Sep 20, 2026

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEGAN MI
Recording Date	Dec 23, 2025
Property Address	225 E FRANKLIN ST, OTSEGO, MI 49078-1321
Document Number	005098/949
Book / Page	5098 / 949
Instrument Date	Dec 19, 2025
Instrument	2025020702
Transaction Type	Transfer
Record Updated	Jan 6, 2026
Title Company	CHICAGO TITLE OF MI INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,200.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	225 E FRANKLIN ST, OTSEGO, MI 49078-1321

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	500 STREETER AVE APT 9, 9, ALLEGAN, MI 49010-8622

Mortgage

Document Number	0005098952
Date	Dec 23, 2025
Instrument	5098/952

Lender

Name	SUCCESS MORTGAGE PARTNERS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

Mortgage

Document Number	005098/964
Date	Dec 23, 2025
Book Page	5098/964
Instrument	2025020704

Lender

Name	SUCCESS MORTGAGE PARTNERS INC
Type	Mortgage Company
Address	PLYMOUTH, MI 48170

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEGAN MI
Recording Date	Jul 8, 2022
Property Address	225 E FRANKLIN ST, OTSEGO, MI 49078-1321
Document Number	004777/937
Book / Page	4777 / 937
Instrument Date	Jun 30, 2022
Instrument	2022013691
Transaction Type	Transfer
Record Updated	Jul 14, 2022
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,023.75
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 121, OTSEGO, MI 49078-0121

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3645 RAVEN AVE SW, WYOMING, MI 49509-3831

Mortgage

Document Number	0004777940
Date	Jul 8, 2022
Instrument	4777-940

Lender

Name	FIFTH THIRD BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2052

Tax Assessment & Valuation

Source: Allegan County assessment roll, as of June 25, 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		$61,600 (+5.12%) Land $8,900 Building $52,700	$123,200 (+5.12%) Land $17,800 Building $105,400
2025	$2,214.00 (+2.31%) Homeowner's exemption	$58,600 (+28.23%) Land $8,000 Building $50,600	$117,200 (+28.23%) Land $16,000 Building $101,200
2024	$2,164.00 (+108.28%)
2023		$45,700 Land $4,500 Building $41,200	$91,400 Land $9,000 Building $82,400
2022	$1,039.00

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

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