245 E Franklin St, Otsego, MI 49078 Property Records

Allegan County property record for 245 E Franklin St, Otsego, MI 49078

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,152 sqft
Lot Size	0.223 acres (9,714 sqft)
Owner	2 Individual Names on Record
Last Sale	$40,000 (May 2014)
Tax Bill	$1,621 (2025)
Deeds & Mortgages	Dec 2022 Transfer
Flood Zone	Zone X (minimal risk)
APN	`54-107-008-00`

Property Details

APN / Parcel Number

Primary APN	`54-107-008-00`
Alternative APN	`03-54-107-008-00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	1,152 sqft Living Area
1st Floor Area	864 sqft
Basement Area	384 sqft
Unfinished Basement	384 sqft

Exterior

Exterior Material	Stucco
Foundation Type	No Foundation
Lot Area	9,714 sqft (0.223 acres)
Lot Dimensions	165 ft deep x 59 ft wide
Garage Area	960 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	245 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	LOT 9 BLOCK 7 EX WLY 6 FT O. P. SEC 22 & 23.
Legal Subdivision	CITY OF OTSEGO
Legal Block	7
Legal Lot Number	9
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	245 E FRANKLIN ST, OTSEGO, MI 49078-1321
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 27, 2014 · Amount on Record
Deed Sale	May 27, 2014 · Amount on Record
Prior Sale	Nov 30, 2009 · Amount on Record
Deed Book / Page	3837 / 823
Last Transfer Date	Dec 28, 2022
Transfer Doc	004826/510
Record Updated	Oct 29, 2026

December 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ALLEGAN MI
Recording Date	Dec 29, 2022
Property Address	245 E FRANKLIN ST, OTSEGO, MI 49078-1321
Document Number	004826/510
Book / Page	4826 / 510
Map Reference	LB 18 PG 642
Instrument Date	Dec 28, 2022
Instrument	2022023968
Transaction Type	Transfer
Record Updated	Jan 11, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	865 11TH ST, PLAINWELL, MI 49080-9521

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	245 E FRANKLIN ST, OTSEGO, MI 49078-1321

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		$74,300 (+6.75%) Land $10,000 Building $64,300	$148,600 (+6.75%) Land $20,000 Building $128,600
2025	$1,621.00 (+2.27%) Homeowner's exemption	$69,600 (+35.15%) Land $8,900 Building $60,700	$139,200 (+35.15%) Land $17,800 Building $121,400
2024	$1,585.00 (+16.63%)
2023		$51,500 Land $5,100 Building $46,400	$103,000 Land $10,200 Building $92,800
2022	$1,359.00

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	Direct 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 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 283 locations within half a mile, as of December 31, 2025

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