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329 E Franklin St, Otsego, MI 49078 Property Records

Allegan County property record for 329 E Franklin St, Otsego, MI 49078

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,110 sqft · built 1908
Lot Size0.246 acres (10,716 sqft)
OwnerIndividual Name on Record
Last Sale$210,000 (Mar 2024)
Tax Bill$3,743 (2025)
Deeds & MortgagesSep 2025 Mortgage
Mar 2024 Sale & Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APN54-108-016-00

Property Details

APN / Parcel Number

Primary APN54-108-016-00
Alternative APN
  • 03-54-108-016-00

Interior

Bedrooms3 Beds
Full Baths2 Baths
Half Baths1 Half Bath
Stories1 Story
Building Area1,110 sqft Living Area
1st Floor Area740 sqft
Basement Area740 sqft
Unfinished Basement740 sqft

Exterior

Year BuiltBuilt 1908
Effective Year BuiltEffective 1908
Architectural StyleCape Cod
Exterior MaterialWood
Lot Area10,716 sqft (0.246 acres)
Lot Dimensions165 ft deep x 65 ft wide
Garage Area576 sqft
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Heating SystemForced Air with A/C

Location & Zoning

Street Address329 E FRANKLIN ST
CityOTSEGO
StateMI
Zip49078-1323
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR-B
Legal DescriptionLOT 16 BLOCK 8 O. P. SEC 22 & 23.
Legal SubdivisionORIGINAL PLAT OF CITY OF OTSEGO
Legal Block8
Legal Lot Number16
JurisdictionALLEGAN MI
Township / Civil DivisionOTSEGO
Census Block Group2
Census Block2005
Census Tract31900

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 RecordIndividual Name on Record
Mailing Address329 E FRANKLIN ST, OTSEGO, MI 49078-1323
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Sep 16, 2025Deed of Trust, Mortgage · FHA Mortgage
PENNYMAC LOAN SERVICES LLC
Mar 20, 2024Warranty Deed, Transfer · FHA Mortgage
GVC MORTGAGE INC
Sep 23, 2021Warranty Deed, Transfer · Conventional Mortgage
LAKE MICHIGAN CU
Feb 4, 2020Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed NamesName on Deed
Last SaleMar 20, 2024 · Amount on Record
Deed SaleMar 20, 2024 · Amount on Record
Prior SaleSep 23, 2021 · Amount on Record
Deed Document Number20243482
Deed Book / Page4927 / 557
Prior Transfer DateDec 23, 2019
Prior Transfer Doc4428/540
Record UpdatedOct 29, 2026

September 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionALLEGAN MI
Property Address329 E FRANKLIN ST, OTSEGO, MI 49078-1323
Transaction TypeMortgage
Record UpdatedSep 24, 2025
Title CompanySERVICELINK

Transferred To (Grantee/Buyer)

NameVerified Name
Address329 E FRANKLIN ST, OTSEGO, MI 49078-1323

Mortgage

Document Number005068/643
DateSep 16, 2025
Book Page5068/643
Instrument2025014706
Lender
NamePENNYMAC LOAN SERVICES LLC
TypeMortgage Company
AddressMOORPARK, CA 93021
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term343 Months
DueApr 1, 2054

March 2024: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionALLEGAN MI
Recording DateMar 20, 2024
Property Address329 E FRANKLIN ST, OTSEGO, MI 49078-1323
Document Number004927/557
Book / Page4927 / 557
Map ReferenceLB 5 PG 231
Instrument DateMar 15, 2024
Instrument2024003482
Transaction TypeTransfer
Record UpdatedApr 1, 2024
Title CompanyEVONS TITLE, DEVON TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,575.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1023 WEDGEWOOD DR, PLAINWELL, MI 49080-1278

Transferred To (Grantee/Buyer)

NameVerified Name
Address224 W FRANKLIN ST, OTSEGO, MI 49078-1352

Mortgage

Document Number2024003483
DateMar 20, 2024
Instrument2024003483
Lender
NameGVC MORTGAGE INC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueApr 1, 2054

September 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionALLEGAN MI
Recording DateSep 23, 2021
Property Address329 E FRANKLIN ST, OTSEGO, MI 49078-1323
Document Number0004675/87
Book / Page4675 / 87
Map ReferenceLB 5 PG 231
Instrument DateSep 16, 2021
Transaction TypeTransfer
Record UpdatedMay 3, 2022
Title CompanySERVICELINK

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,367.40
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1410 FINLEYS LN, 1410, VICKSBURG, MI 49097-7760

Transferred To (Grantee/Buyer)

NameVerified Name
Address1023 WEDGEWOOD DR, PLAINWELL, MI 49080-1278

Mortgage

Document Number0000467589
DateSep 23, 2021
Instrument4675/89
Lender
NameLAKE MICHIGAN CU
TypeCredit Union
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueOct 1, 2051

February 2020: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionALLEGAN MI
Recording DateFeb 4, 2020
Property Address329 E FRANKLIN ST, OTSEGO, MI 49078-1323
Document Number4428/540
Book / Page4428 / 540
Map ReferenceLB 5 PG 231
Instrument DateDec 23, 2019
Transaction TypeTransfer
Record UpdatedAug 3, 2021

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address329 E FRANKLIN ST, OTSEGO, MI 49078-1323

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$87,100 (+3.69%) Land $11,000 Building $76,100$174,200 (+3.69%) Land $22,000 Building $152,200
2025$3,743.00 (+29.7%) Homeowner's exemption$84,000 (+28.44%) Land $9,900 Building $74,100$168,000 (+28.44%) Land $19,800 Building $148,200
2024$2,886.00 (+16.75%)
2023$65,400 Land $5,600 Building $59,800$130,800 Land $11,200 Building $119,600
2022$2,472.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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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