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342 E Franklin St, Otsego, MI 49078 Property Records

Allegan County property record for 342 E Franklin St, Otsego, MI 49078

Property Summary

Property TypeSingle Family Home
Details4 bd · 1 ba · 1,822 sqft · built 1880
Lot Size0.254 acres (11,064 sqft)
OwnerIndividual Name on Record
Last Sale$108,000 (Nov 2016)
Tax Bill$2,609 (2025)
Deeds & MortgagesJul 2026 Mortgage
Mar 2017 Transfer
Flood ZoneZone X (minimal risk)
APN54-111-008-00

Property Details

APN / Parcel Number

Primary APN54-111-008-00

Interior

Bedrooms4 Beds
Full Baths1 Bath
Stories2 Stories
Building Area1,822 sqft Living Area
1st Floor Area1,504 sqft
Basement Area704 sqft
Unfinished Basement704 sqft

Exterior

Year BuiltBuilt 1880
Effective Year BuiltEffective 1880
Exterior MaterialStucco
Foundation TypeNo Foundation
Lot Area11,064 sqft (0.254 acres)
Lot Dimensions165 ft deep x 67 ft wide

Utilities, Heating & Cooling

Heating SystemForced Air with A/C

Location & Zoning

Street Address342 E FRANKLIN ST
CityOTSEGO
StateMI
Zip49078-1324
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR-B
Legal DescriptionLOT 8 BLOCK 11 O. P. SEC 22 & 23.
Legal SubdivisionTHE VILLAGE OF OTSEGO
Legal Block11
Legal Lot Number8
JurisdictionALLEGAN MI
Township / Civil DivisionOTSEGO
Census Block Group2
Census Block2008
Census Tract31900

Owner

Source: Allegan County records, as of June 25, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on Record
Mailing Address342 E FRANKLIN ST, OTSEGO, MI 49078-1324
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jul 14, 2026Deed of Trust, Mortgage · FHA Mortgage
PENNYMAC LOAN SERVICES LLC
Mar 9, 2017Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed NamesName on Deed
Last SaleNov 10, 2016 · Amount on Record
Deed SaleNov 10, 2016 · Amount on Record
Prior SaleOct 26, 1999
Deed Book / Page4086 / 434
Last Transfer DateMar 8, 2017
Transfer Doc4120/532
Record UpdatedSep 20, 2026

July 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionALLEGAN MI
Recording DateJul 14, 2026
Property Address342 E FRANKLIN ST, OTSEGO, MI 49078-1324
Document Number0000011762
Book / Page5155 / 720
Instrument DateJul 7, 2026
Instrument202611762
Transaction TypeMortgage
Record UpdatedJul 23, 2026
Title CompanySERVICELINK

Transferred To (Grantee/Buyer)

NameVerified Name
Address342 E FRANKLIN ST, OTSEGO, MI 49078-1324

Mortgage

Document Number0000011762,
DateJul 14, 2026
Book Page5155/720
Instrument202611762
Lender
NamePENNYMAC LOAN SERVICES LLC
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueAug 1, 2056
Interest
Rate TypeAdjustable Rate
Rate5.13%
Initial TypeAdjustable Rate
AdjustableAdjustable Rate Rider
Max Rate-1%

March 2017: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionALLEGAN MI
Recording DateMar 9, 2017
Property Address342 E FRANKLIN ST, OTSEGO, MI 49078-1324
Document Number4120/532
Book / Page4120 / 532
Instrument DateMar 8, 2017
Transaction TypeTransfer
Record UpdatedAug 3, 2021

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address342 E FRANKLIN ST, 342, OTSEGO, MI 49078-1324

Transferred To (Grantee/Buyer)

NameVerified Name
Address342 E FRANKLIN ST, OTSEGO, MI 49078-1324

Tax Assessment & Valuation

Source: Allegan County assessment roll, as of June 25, 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$103,100 (+7.51%) Land $11,400 Building $91,700$206,200 (+7.51%) Land $22,800 Building $183,400
2025$2,609.00 (+2.31%) Homeowner's exemption$95,900 (+33.94%) Land $10,200 Building $85,700$191,800 (+33.94%) Land $20,400 Building $171,400
2024$2,550.00 (+16.76%)
2023$71,600 Land $5,800 Building $65,800$143,200 Land $11,600 Building $131,600
2022$2,184.00

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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone A, within 500 ft
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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