Otsego County property record for 306 E 3rd St, Gaylord, MI 49735
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.21 acres (9,148 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,698 (2025) |
| Deeds & Mortgages | Feb 2021 Mortgage Jul 2020 Mortgage |
| APN | 103-361-003-008-01 |
| Primary APN | 103-361-003-008-01 |
|---|
| Lot Area | 9,148 sqft (0.21 acres) |
|---|---|
| Lot Width | 66 ft Width |
| Street Address | 306 E 3RD ST |
|---|---|
| City | GAYLORD |
| State | MI |
| Zip | 49735-1261 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | N 1/2 OF LOTS 8 & 9 BLK 3 EXC THE E 20 FT OF LOT 8 SHELDEN'S 2ND ADDITION TO CITY OF GAYLORD DESCRIPTION CHANGE PER |
| Legal Range | 03W |
| Legal Township | 30N |
| Legal Section | 04 |
| Legal Subdivision | SHELDENS 2ND ADD CITY OF GAYLO |
| Legal Block | 3 |
| Legal Lot Number | 8-9 |
| Jurisdiction | OTSEGO MI |
| Township / Civil Division | GAYLORD |
| Census Block Group | 3 |
| Census Block | 3042 |
| Census Tract | 950300 |
306 E 3rd St, a single family home, is owned by an individual.
Source: Otsego County records, as of October 22, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | PO BOX 1134, GAYLORD, MI 49734-5134 |
| Owner Type | Individual |
| Vesting | Et Ux (and Wife) |
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 |
|---|---|
| Feb 18, 2021 | Deed of Trust, Mortgage · Conventional Mortgage STATE SAVINGS BANK |
| Jul 30, 2020 | Deed of Trust, Mortgage · Conventional Mortgage STATE SAVINGS BANK |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTSEGO MI |
| Property Address | 306 E 3RD ST, GAYLORD, MI 49735-1261 |
| Transaction Type | Mortgage |
| Record Updated | Mar 29, 2021 |
| Name | Verified Name |
|---|---|
| Address | 306 E 3RD ST, GAYLORD, MI 49735-1261 |
| Document Number | 0000001552/0000000773 |
|---|---|
| Date | Feb 18, 2021 |
| Book Page | 0000001552/0000000773 |
| Name | STATE SAVINGS BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jan 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTSEGO MI |
| Property Address | 306 E 3RD ST, GAYLORD, MI 49735-1261 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 306 E 3RD ST, GAYLORD, MI 49735-1261 |
| Document Number | 0000001530/0000000937 |
|---|---|
| Date | Jul 30, 2020 |
| Book Page | 0000001530/0000000937 |
| Name | STATE SAVINGS BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 306 E 3rd St was $1,698, up 2.1% from the year before.
Source: Otsego County assessment roll, as of October 22, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Otsego County |
| Municipality | Gaylord City |
| Unified School District | Gaylord Community Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $91,300 (+11.34%) | $182,600 (+11.34%) | |
| 2025 | $1,698.00 (+2.1%) | $82,000 | $164,000 |
| 2024 | $1,663.00 | ||
| 2023 | $53,300 | $106,600 | |
| 2022 | $1,598.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA has no flood map on file for 306 E 3rd St.
Source: FEMA National Flood Hazard Layer
| FEMA Flood Zone | Not on file |
|---|
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 306 E 3rd St is low, with 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 80% of the US · above 51% of Michigan |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Indirect within ember reach |
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 | CITY OF GAYLORD serves 3,629 people · EPA ID MI0002600 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2022 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 3 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 286 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
May also be available: Baraga Telephone Company.
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