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235 E Franklin St, Otsego, MI 49078 Property Records

Allegan County property record for 235 E Franklin St, Otsego, MI 49078

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 2,291 sqft · built 1952
Lot Size0.515 acres (22,433 sqft)
OwnerIndividual Name on Record
Last Sale$138,000 (Jul 2014)
Tax Bill$3,399 (2025)
Deeds & MortgagesDec 2021 Mortgage
Jun 2017 Mortgage
Flood ZoneZone X (minimal risk)
APN54-107-007-00

Property Details

APN / Parcel Number

Primary APN54-107-007-00
Alternative APN
  • 03-54-107-007-00

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area2,291 sqft Living Area
1st Floor Area2,291 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1952
Effective Year BuiltEffective 1952
Architectural StyleRanch
Exterior MaterialWood
Foundation TypeSlab (Mat/Raft)
Lot Area22,433 sqft (0.515 acres)
Lot Dimensions165 ft deep x 136 ft wide
Garage Area484 sqft
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Heating SystemRadiant
Heating FuelElectric

Location & Zoning

Street Address235 E FRANKLIN ST
CityOTSEGO
StateMI
Zip49078-1321
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR-B
Legal DescriptionLOT 7 BLOCK 7 O. P. SEC 22 & 23 LOT 8 BLOCK 7 ALSO W 6 FT OF LOT 9 BLOCK 7 O. P. SEC 22 & 23.
Legal SubdivisionORIGINAL PLAT OF THE CITY OF OTSEGO
Legal Block7
Legal Lot Number7-9
JurisdictionALLEGAN MI
Township / Civil DivisionOTSEGO
Census Block Group2
Census Block2004
Census Tract31900

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 RecordIndividual Name on Record
Mailing Address235 E FRANKLIN ST, OTSEGO, MI 49078-1321
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Dec 1, 2021Deed of Trust, Mortgage · Conventional Mortgage
MORTGAGE CENTER LLC
Jun 27, 2017Deed of Trust, Mortgage · VA Mortgage
UNITED MILITARY MORTGAGE LLC

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJul 2, 2014 · Amount on Record
Deed SaleJul 2, 2014 · Amount on Record
Deed Book / Page3847 / 326
Prior Transfer DateOct 9, 2006
Prior Transfer Doc3050/923
Record UpdatedOct 29, 2026

December 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionALLEGAN MI
Property Address235 E FRANKLIN ST, OTSEGO, MI 49078-1321
Transaction TypeMortgage
Record UpdatedDec 16, 2021

Transferred To (Grantee/Buyer)

NameVerified Name
Address235 E FRANKLIN ST, OTSEGO, MI 49078-1321

Mortgage

Document Number004703/274
DateDec 1, 2021
Book Page4703/274
Lender
NameMORTGAGE CENTER LLC
TypeMortgage Company
AddressSOUTHFIELD, MI 48076
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueDec 1, 2051

June 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionALLEGAN MI
Property Address235 E FRANKLIN ST, OTSEGO, MI 49078-1321
Transaction TypeMortgage
Record UpdatedFeb 5, 2021
Title CompanyELEVATED TITLE LLC

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number4152/717
DateJun 27, 2017
Book Page4152/717
Lender
NameUNITED MILITARY MORTGAGE LLC
TypeMortgage Company
AddressLINDON, UT 84042
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueJul 1, 2047
Interest
Rate TypeAdjustable Rate
Rate2.25%
AdjustableAdjustable Rate Rider
Type Change DateOct 1, 2020
Change FrequencyAnnually
Min Rate At Change2.25%
Max Rate At Change3.25%
Index1-Year CMT
Max Rate7.25%

Tax Assessment & Valuation

Source: Allegan County assessment roll, as of September 9, 2026

Property Jurisdictions

TypeName
StateMichigan
CountyAllegan County
MunicipalityOtsego City
Unified School DistrictOtsego Public Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$146,900 (+5.61%) Land $23,100 Building $123,800$293,800 (+5.61%) Land $46,200 Building $247,600
2025$3,399.00 (+2.29%) Homeowner's exemption$139,100 (+29.4%) Land $20,600 Building $118,500$278,200 (+29.4%) Land $41,200 Building $237,000
2024$3,323.00 (+16.8%)
2023$107,500 Land $11,700 Building $95,800$215,000 Land $23,400 Building $191,600
2022$2,845.00

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot 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 RiskLow
lower than 80% of the US · above 51% of Michigan
Wildfire Likelihood0.01% annual chance
ExposureDirect
burnable vegetation

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 SystemOTSEGO
serves 4,120 people · EPA ID MI0005060
Water SourceGroundwater
Last State InspectionApr 2025
LeadUnder 1 ppb (2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 283 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Surf Internet
Fiber		8,000 / 8,000
Spectrum
Cable		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20

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