345 E Franklin St, Otsego, MI 49078 Property Records

Allegan County property record for 345 E Franklin St, Otsego, MI 49078

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,306 sqft · built 1900
Lot Size	0.265 acres (11,543 sqft)
Owner	Individual Name on Record
Last Sale	$206,000 (Aug 2025)
Tax Bill	$2,947 (2025)
Deeds & Mortgages	Aug 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`54-108-019-00`

Property Details

APN / Parcel Number

Primary APN	`54-108-019-00`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,306 sqft Living Area
1st Floor Area	928 sqft
Basement Area	928 sqft
Unfinished Basement	928 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Wood
Lot Area	11,543 sqft (0.265 acres)
Lot Dimensions	165 ft deep x 70 ft wide
Garage Area	320 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	345 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	LOTS 19 & W 5 FT OF LOT 20 BLK 8 O. P. SEC 22 & 23.
Legal Subdivision	CITY OTSEGO
Legal Block	8
Legal Lot Number	19-20
Jurisdiction	ALLEGAN MI
Township / Civil Division	OTSEGO
Census Block Group	2
Census Block	2005
Census Tract	31900

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 Record	Individual Name on Record
Mailing Address	117 MARION AVE SW, GRAND RAPIDS, MI 49504-6130
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 25, 2025 · Amount on Record
Deed Sale	Aug 25, 2025 · Amount on Record
Prior Sale	Aug 23, 2022 · Amount on Record
Deed Document Number	202513404
Deed Book / Page	5061 / 923
Record Updated	Sep 20, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEGAN MI
Recording Date	Aug 23, 2022
Property Address	345 E FRANKLIN ST, OTSEGO, MI 49078-1323
Document Number	004791/737
Book / Page	4791 / 737
Map Reference	LB 5 PG 231
Instrument Date	Aug 15, 2022
Instrument	2022016569
Transaction Type	Transfer
Record Updated	Aug 31, 2022
Title Company	DO NO USE, ASK SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,237.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	345 E FRANKLIN ST, 345, OTSEGO, MI 49078-1323

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	728 HOWARD LN, HASTINGS, MI 49058-2359

Mortgage

Document Number	0004791740
Date	Aug 23, 2022
Instrument	4791-740

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

Tax Assessment & Valuation

Source: Allegan County assessment roll, as of June 25, 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		$85,800 (+40.66%) Land $11,900 Building $73,900	$171,600 (+40.66%) Land $23,800 Building $147,800
2025	$2,947.00 (+94.01%)
2023		$61,000 Land $6,000 Building $55,000	$122,000 Land $12,000 Building $110,000
2022	$1,519.00

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 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