Allegan County property record for 304 E Franklin St, Otsego, MI 49078
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,656 sqft · built 1910 |
| Lot Size | 0.254 acres (11,064 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $130,000 (Sep 2020) |
| Tax Bill | $3,470 (2025) |
| Deeds & Mortgages | Sep 2020 Mortgage Sep 2020 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 54-111-001-00 |
| Primary APN | 54-111-001-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 1,656 sqft Living Area |
| 1st Floor Area | 936 sqft |
| Basement Area | 720 sqft |
| Unfinished Basement | 720 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1910 |
| Exterior Material | Wood |
| Foundation Type | No Foundation |
| Lot Area | 11,064 sqft (0.254 acres) |
| Lot Dimensions | 165 ft deep x 67 ft wide |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 304 E FRANKLIN ST |
|---|---|
| City | OTSEGO |
| State | MI |
| Zip | 49078-1324 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-B |
| Legal Description | LOT 1 BLOCK 11 LESS SLY 49.5 FT O. P. SEC 22 & 23. |
| Legal Subdivision | ORIGINAL PLAT OF THE VILLAGE OF OTSEGO |
| Legal Block | 11 |
| Legal Lot Number | 1 |
| Jurisdiction | ALLEGAN MI |
| Township / Civil Division | OTSEGO |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 31900 |
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 | 304 E FRANKLIN ST, OTSEGO, MI 49078-1324 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 11, 2020 | Deed of Trust, Mortgage · FHA Mortgage AMERIFIRST FINANCIAL CORP |
| Sep 14, 2020 | Warranty Deed, Transfer TITLE RESOURCE AGENCY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 14, 2020 · Amount on Record |
| Deed Sale | Sep 14, 2020 · Amount on Record |
| Prior Sale | Feb 14, 2008 · Amount on Record |
| Deed Book / Page | 4509 / 489 |
| Prior Transfer Date | Jul 17, 1998 |
| Prior Transfer Doc | 1755000001 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALLEGAN MI |
| Property Address | 304 E FRANKLIN ST, OTSEGO, MI 49078-1324 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 4508/884 |
|---|---|
| Date | Sep 11, 2020 |
| Book Page | 4508/884 |
| Name | AMERIFIRST FINANCIAL CORP |
|---|---|
| Type | Funding / Finance Company |
| Address | PORTAGE, MI 49002 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ALLEGAN MI |
| Recording Date | Sep 14, 2020 |
| Property Address | 304 E FRANKLIN ST, OTSEGO, MI 49078-1324 |
| Document Number | 4509/489 |
| Book / Page | 4509 / 489 |
| Instrument Date | Sep 8, 2020 |
| Transaction Type | Transfer |
| Record Updated | Aug 3, 2021 |
| Title Company | TITLE RESOURCE AGENCY |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,118.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1103 PINE RIDGE RD, 1103, MARTIN, MI 49070-8718 |
| Name | Verified Name |
|---|---|
| Address | 2144 FOX MOUNTAIN DR, OTSEGO, MI 49078-9697 |
Source: Allegan County assessment roll, as of September 9, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Allegan County |
| Municipality | Otsego City |
| Unified School District | Otsego Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $107,200 (+34.67%) Land $11,400 Building $95,800 | $214,400 (+34.67%) Land $22,800 Building $191,600 | |
| 2025 | $3,470.00 (+19.49%) | ||
| 2023 | $79,600 Land $5,800 Building $73,800 | $159,200 Land $11,600 Building $147,600 | |
| 2022 | $2,904.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 |
| 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.
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 |
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