303 E Franklin St, Otsego, MI 49078 Property Records

Allegan County property record for 303 E Franklin St, Otsego, MI 49078

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,340 sqft · built 1918
Lot Size	0.126 acres (5,489 sqft)
Owner	2 Individual Names on Record
Last Sale	$115,000 (Feb 2021)
Tax Bill	$2,171 (2025)
Deeds & Mortgages	Feb 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`54-108-011-10`

Property Details

APN / Parcel Number

Primary APN	`54-108-011-10`
Alternative APN	`03-54-108-011-10`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	1,340 sqft Living Area
1st Floor Area	920 sqft
Basement Area	920 sqft
Unfinished Basement	920 sqft

Exterior

Year Built	Built 1918
Effective Year Built	Effective 1918
Exterior Material	Stucco
Lot Area	5,489 sqft (0.126 acres)
Lot Dimensions	60.5 ft deep x 91 ft wide
Garage Area	204 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	303 E FRANKLIN ST
City	OTSEGO
State	MI
Zip	49078-1323
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-B
Legal Description	THE S 91' OF LOT 11 BLOCK 8 EX E 4.5' O.P. SEC 23 T1N R12W (94)
Legal Range	12W
Legal Township	01N
Legal Section	23
Legal Subdivision	ORIGINAL PLAT OF THE CITY OF OTSEGO
Legal Block	8
Legal Lot Number	11
Jurisdiction	ALLEGAN MI
Township / Civil Division	OTSEGO
Census Block Group	2
Census Block	2005
Census Tract	31900

Owner

Source: Allegan County records, as of September 9, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	303 E FRANKLIN ST, OTSEGO, MI 49078-1323
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 17, 2021 · Amount on Record
Deed Sale	Feb 17, 2021 · Amount on Record
Prior Sale	Sep 2, 1994 · Amount on Record
Deed Book / Page	4579 / 149
Prior Transfer Date	May 26, 2009
Prior Transfer Doc	3336/568
Record Updated	Oct 29, 2026

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEGAN MI
Recording Date	Feb 17, 2021
Property Address	303 E FRANKLIN ST, OTSEGO, MI 49078-1323
Document Number	004579/149
Book / Page	4579 / 149
Map Reference	LB 5 PG 231
Instrument Date	Jan 19, 2021
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	SERVICELINK

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$126.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	303 E FRANKLIN ST, 303, OTSEGO, MI 49078-1323

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	303 E FRANKLIN ST, OTSEGO, MI 49078-1323

Mortgage

Document Number	0004579152
Date	Feb 17, 2021
Instrument	4579/152

Lender

Name	AMERIFIRST FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Feb 1, 2041

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		$105,700 (+4.76%) Land $12,700 Building $93,000	$211,400 (+4.76%) Land $25,400 Building $186,000
2025	$2,171.00 (+2.31%) Homeowner's exemption	$100,900 (+28.21%) Land $11,300 Building $89,600	$201,800 (+28.21%) Land $22,600 Building $179,200
2024	$2,122.00 (+16.72%)
2023		$78,700 Land $6,400 Building $72,300	$157,400 Land $12,800 Building $144,600
2022	$1,818.00

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