Genesee County property record for 226 E Main St, Otisville, MI 48463
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,272 sqft · built 2002 |
| Lot Size | 0.202 acres (8,799 sqft) |
| Owner | Individual Name on File |
| Last Sale | $225,000 (Sep 2023) |
| Tax Bill | $3,461 (2025) |
| Deeds & Mortgages | Jan 2026 Mortgage Sep 2023 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-21-579-010 |
| Primary APN | 09-21-579-010 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,272 sqft Living Area |
| 1st Floor Area | 1,272 sqft |
| Basement Area | 1,272 sqft |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Architectural Style | Ranch |
| Lot Area | 8,799 sqft (0.202 acres) |
| Lot Dimensions | 100 ft deep x 95.8 ft wide |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 226 E MAIN ST |
|---|---|
| City | OTISVILLE |
| State | MI |
| Zip | 48463-9480 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | V OTISVILL |
| Legal Description | LOTS 38 39 AND 40 MAP OF EAST OTISVILLE |
| Legal Subdivision | MAP OF VILLAGE OF EAST OTISVILLE |
| Legal Lot Number | 38-39 |
| Jurisdiction | GENESEE MI |
| Township / Civil Division | FOREST |
| Census Block Group | 3 |
| Census Block | 3023 |
| Census Tract | 12402 |
226 E Main St is owned and occupied by an individual who bought it in September 2023.
Source: Genesee County records, as of October 7, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 226 E MAIN ST, OTISVILLE, MI 48463-9480 |
| 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.
| Date | Document |
|---|---|
| Jan 5, 2026 | Deed of Trust, Mortgage · FHA Mortgage UNITED WHOLESALE MORTGAGE |
| Sep 28, 2023 | Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC |
| Dec 22, 2017 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Oct 4, 2017 | Warranty Deed, Transfer FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 28, 2023 · Amount on File |
| Deed Sale | Sep 28, 2023 · Amount on File |
| Prior Sale | Oct 4, 2017 · Amount on File |
| Deed Document Number | 2023092851386 |
| Prior Transfer Date | Apr 10, 2008 |
| Prior Transfer Doc | 0000039356 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GENESEE MI |
| Property Address | 226 E MAIN ST, OTISVILLE, MI 48463-9480 |
| Transaction Type | Mortgage |
| Record Updated | Mar 3, 2026 |
| Name | Verified Name |
|---|---|
| Address | 226 E MAIN ST, OTISVILLE, MI 48463-9480 |
| Document Number | 0000028989 |
|---|---|
| Date | Jan 5, 2026 |
| Instrument | 202601050028989 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | GENESEE MI |
| Recording Date | Sep 28, 2023 |
| Property Address | 226 E MAIN ST, OTISVILLE, MI 48463-9480 |
| Document Number | 0000051386 |
| Map Reference | LB 1 PG 14 |
| Instrument Date | Sep 15, 2023 |
| Instrument | 202309280051386 |
| Transaction Type | Transfer |
| Record Updated | Oct 11, 2023 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,687.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 9437 FARRAND RD, OTISVILLE, MI 48463-9776 |
| Name | Verified Name |
|---|---|
| Address | 226 E MAIN ST, OTISVILLE, MI 48463-9480 |
| Document Number | 0000051387 |
|---|---|
| Date | Sep 28, 2023 |
| Instrument | 202309280051387 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GENESEE MI |
| Property Address | 226 E MAIN ST, OTISVILLE, MI 48463-9480 |
| Transaction Type | Mortgage |
| Record Updated | May 26, 2021 |
| Name | Verified Name |
|---|
| Document Number | 201712220078413 |
|---|---|
| Date | Dec 22, 2017 |
| Instrument | 201712220078413 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | PITTSBURGH, PA 15222 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | GENESEE MI |
| Recording Date | Oct 4, 2017 |
| Property Address | 226 E MAIN ST, OTISVILLE, MI 48463-9480 |
| Document Number | 0000063803 |
| Instrument Date | Sep 20, 2017 |
| Instrument | 63803 |
| Transaction Type | Transfer |
| Record Updated | Oct 10, 2017 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE |
| Amount | Amount on Record |
|---|---|
| Tax | $1,375.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 257 ATHLETIC ST OTISVILLE MI 484637719, OTISVILLE, MI 48463-7719 |
The 2025 property tax bill for 226 E Main St was $3,461 with a homeowner's exemption, up 1.5% from the year before.
Source: Genesee County assessment roll, as of October 2, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Genesee County |
| County Subdivision | Forest Township |
| Municipality | Otisville Village |
| Unified School District | Lakeville Community Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $128,100 (+8.28%) Land $8,900 Building $119,200 | $256,200 (+8.28%) Land $17,800 Building $238,400 | |
| 2025 | $3,461.00 (+1.47%) Homeowner's exemption | $118,300 | $236,600 |
| 2024 | $3,411.00 | ||
| 2023 | $112,200 | $224,400 | |
| 2019 | $2,084.00 |
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.
FEMA maps place 226 E Main St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective February 19, 2024
| 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 risk around 226 E Main St is low, with less than 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 94% of the US · lower than 85% of Michigan |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 62 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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