Allegan County property record for 346 E Franklin St, Otsego, MI 49078
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,355 sqft |
| Lot Size | 0.254 acres (11,064 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $98,810 (Feb 2022) |
| Tax Bill | $2,880 (2025) |
| Deeds & Mortgages | Nov 2025 Mortgage Feb 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 54-111-009-00 |
| Primary APN | 54-111-009-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,355 sqft Living Area |
| 1st Floor Area | 994 sqft |
| Basement Area | 481 sqft |
| Unfinished Basement | 481 sqft |
| Exterior Material | Wood |
|---|---|
| Foundation Type | No Foundation |
| Lot Area | 11,064 sqft (0.254 acres) |
| Lot Dimensions | 165 ft deep x 67 ft wide |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 346 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 9 BLOCK 11 O. P. SEC 22 & 23. |
| Legal Subdivision | VILLAGE NOW CITY OF OTSEGO |
| Legal Block | 11 |
| Legal Lot Number | 9 |
| 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 | Individual Name on Record |
|---|---|
| Mailing Address | 346 E FRANKLIN ST, OTSEGO, MI 49078-1324 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 4, 2025 | Deed of Trust, Mortgage · FHA Mortgage OUTAMATION INC |
| Feb 10, 2022 | Warranty Deed, Transfer · FHA Mortgage AMERIFIRST FINANCIAL CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 10, 2022 · Amount on Record |
| Deed Sale | Feb 10, 2022 · Amount on Record |
| Prior Sale | May 23, 2013 · Amount on Record |
| Deed Document Number | 20223000 |
| Deed Book / Page | 4729 / 343 |
| Prior Transfer Date | Apr 5, 2012 |
| Prior Transfer Doc | 3607/337 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALLEGAN MI |
| Property Address | 346 E FRANKLIN ST, OTSEGO, MI 49078-1324 |
| Transaction Type | Mortgage |
| Record Updated | Nov 13, 2025 |
| Name | Verified Name |
|---|---|
| Address | 346 E FRANKLIN ST, OTSEGO, MI 49078-1324 |
| Document Number | 005083/874 |
|---|---|
| Date | Nov 4, 2025 |
| Book Page | 5083/874 |
| Instrument | 2025017754 |
| Name | OUTAMATION INC |
|---|---|
| Type | Non-Lending Institution |
| Address | FORT LAUDERDALE, FL 33323 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Oct 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ALLEGAN MI |
| Recording Date | Feb 10, 2022 |
| Property Address | 346 E FRANKLIN ST, OTSEGO, MI 49078-1324 |
| Document Number | 004729/343 |
| Book / Page | 4729 / 343 |
| Map Reference | LB 5 PG 231 |
| Instrument Date | Feb 10, 2022 |
| Instrument | 2022003000 |
| Transaction Type | Transfer |
| Record Updated | May 3, 2022 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $742.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1417 W LOVELL ST, 1417, KALAMAZOO, MI 49006-4425 |
| Name | Verified Name |
|---|---|
| Address | 346 E FRANKLIN ST, OTSEGO, MI 49078-1324 |
| Document Number | 0004729351 |
|---|---|
| Date | Feb 10, 2022 |
| Instrument | 4729/351 |
| Name | AMERIFIRST FINANCIAL CORP |
|---|---|
| Type | Funding / Finance Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 1, 2052 |
| Document Number | 004729/346 |
|---|---|
| Date | Feb 10, 2022 |
| Book Page | 4729/346 |
| Instrument | 2022003002 |
| Name | MICHIGAN STATE HOUSING DEV AUTHORITY |
|---|---|
| Type | Government Agency |
| Address | LANSING, MI 48912 |
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount Recorded |
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 | $82,100 (+7.88%) Land $11,400 Building $70,700 | $164,200 (+7.88%) Land $22,800 Building $141,400 | |
| 2025 | $2,880.00 (+2.31%) Homeowner's exemption | $76,100 (+27.68%) Land $10,200 Building $65,900 | $152,200 (+27.68%) Land $20,400 Building $131,800 |
| 2024 | $2,815.00 (+85.2%) | ||
| 2023 | $59,600 Land $5,800 Building $53,800 | $119,200 Land $11,600 Building $107,600 | |
| 2022 | $1,520.00 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| 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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