Allegan County property record for 348 E Orleans St, Otsego, MI 49078
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,526 sqft · built 1890 |
| Lot Size | 0.246 acres (10,716 sqft) |
| Owner | Individual Name on File |
| Last Sale | $130,000 (Dec 2017) |
| Tax Bill | $2,631 (2025) |
| Deeds & Mortgages | Apr 2021 Line of Credit Feb 2021 Transfer + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 54-108-009-00 |
| Primary APN | 54-108-009-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 2 Stories |
| Building Area | 1,526 sqft Living Area |
| 1st Floor Area | 1,148 sqft |
| Basement Area | 1,148 sqft |
| Unfinished Basement | 1,148 sqft |
| Year Built | Built 1890 |
|---|---|
| Effective Year Built | Effective 1890 |
| Exterior Material | Wood |
| Lot Area | 10,716 sqft (0.246 acres) |
| Lot Dimensions | 165 ft deep x 65 ft wide |
| Garage Area | 560 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 348 E ORLEANS ST |
|---|---|
| City | OTSEGO |
| State | MI |
| Zip | 49078-1129 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-B |
| Legal Description | LOT 9 BLOCK 8 O. P. SEC 22 & 23. |
| Legal Subdivision | CITY OTSEGO |
| Legal Block | 8 |
| Legal Lot Number | 9 |
| Jurisdiction | ALLEGAN MI |
| Township / Civil Division | OTSEGO |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 31900 |
348 E Orleans St is owned and occupied by an individual who acquired it in May 2020.
Source: Allegan County records, as of September 9, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 348 E ORLEANS ST, OTSEGO, MI 49078-1129 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Apr 1, 2021 | Deed of Trust, Mortgage · Line of Credit ADVIA CU |
| Feb 17, 2021 | Intrafamily Transfer, Transfer |
| May 22, 2020 | Intrafamily Transfer, Transfer · Conventional Mortgage AMERIFIRST FINANCIAL CORP |
| Dec 21, 2017 | Warranty Deed, Transfer · Conventional Mortgage AMERIFIRST FINANCIAL CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 21, 2017 · Amount on File |
| Deed Sale | Dec 21, 2017 · Amount on File |
| Prior Sale | Jun 10, 1994 · Amount on File |
| Deed Document Number | 20174206-519 |
| Deed Book / Page | 4206 / 519 |
| Last Transfer Date | May 15, 2020 |
| Transfer Doc | 0004465/48 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALLEGAN MI |
| Property Address | 348 E ORLEANS ST, OTSEGO, MI 49078-1129 |
| Transaction Type | Mortgage |
| Record Updated | May 3, 2022 |
| Name | Verified Name |
|---|
| Document Number | 004598/308 |
|---|---|
| Date | Apr 1, 2021 |
| Book Page | 4598/308 |
| Name | ADVIA CU |
|---|---|
| Type | Credit Union |
| Address | KALAMAZOO, MI 49004 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Mar 31, 2041 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ALLEGAN MI |
| Recording Date | Feb 17, 2021 |
| Property Address | 348 E ORLEANS ST, OTSEGO, MI 49078-1129 |
| Document Number | 4578/762 |
| Book / Page | 4578 / 762 |
| Map Reference | LB 5 PG 231 |
| Instrument Date | Feb 13, 2021 |
| Transaction Type | Transfer |
| Record Updated | Aug 3, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5391 OLD DOUGLAS RD, 5391, KALAMAZOO, MI 49009-5423 |
| Name | Verified Name |
|---|---|
| Address | 348 E ORLEANS ST, OTSEGO, MI 49078-1129 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ALLEGAN MI |
| Recording Date | May 22, 2020 |
| Property Address | 348 E ORLEANS ST, OTSEGO, MI 49078-1129 |
| Document Number | 0004465/48 |
| Book / Page | 4465 / 48 |
| Map Reference | LB 5 PG 231 |
| Instrument Date | May 15, 2020 |
| Transaction Type | Transfer |
| Record Updated | May 3, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 348 E ORLEANS ST, 348, OTSEGO, MI 49078-1129 |
| Name | Verified Name |
|---|---|
| Address | 348 E ORIEANS ST, OTSEGO, MI 49078-1129 |
| Document Number | 0000446551 |
|---|---|
| Date | May 22, 2020 |
| Instrument | 4465/51 |
| Name | AMERIFIRST FINANCIAL CORP |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ALLEGAN MI |
| Recording Date | Dec 21, 2017 |
| Property Address | 348 E ORLEANS ST, OTSEGO, MI 49078-1129 |
| Document Number | 4206/519 |
| Book / Page | 4206 / 519 |
| Map Reference | LB5 PG231 |
| Instrument Date | Dec 14, 2017 |
| Instrument | 4206-519 |
| Transaction Type | Transfer |
| Record Updated | Aug 3, 2021 |
| Title Company | TITLE RE SOURCE |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,118.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 348 E ORLEANS ST, OTSEGO, MI 49078-1129 |
| Document Number | 4206522 |
|---|---|
| Date | Dec 21, 2017 |
| Instrument | 4206-522 |
| Name | AMERIFIRST FINANCIAL CORP |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2048 |
The 2025 property tax bill for 348 E Orleans St was $2,631 with a homeowner's exemption, up 2.3% from the year before.
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 | $93,900 (+3.53%) Land $11,000 Building $82,900 | $187,800 (+3.53%) Land $22,000 Building $165,800 | |
| 2025 | $2,631.00 (+2.29%) Homeowner's exemption | $90,700 Land $9,900 Building $80,800 | $181,400 Land $19,800 Building $161,600 |
| 2024 | $2,572.00 | ||
| 2023 | $72,100 Land $5,600 Building $66,500 | $144,200 Land $11,200 Building $133,000 | |
| 2022 | $2,203.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 348 E Orleans St in Zone X, an area of minimal flood risk.
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 risk around 348 E Orleans 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 | 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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