Allegan County property record for 349 E Franklin St, Otsego, MI 49078
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,211 sqft · built 1949 |
| Lot Size | 0.227 acres (9,888 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $218,000 (Oct 2022) |
| Tax Bill | $4,049 (2025) |
| Deeds & Mortgages | Oct 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 54-108-020-00 |
| Primary APN | 54-108-020-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,211 sqft Living Area |
| 1st Floor Area | 1,211 sqft |
| Basement Area | 1,211 sqft |
| Unfinished Basement | 1,211 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1949 |
|---|---|
| Effective Year Built | Effective 1949 |
| Architectural Style | Ranch |
| Exterior Material | Stucco |
| Lot Area | 9,888 sqft (0.227 acres) |
| Lot Dimensions | 165 ft deep x 60 ft wide |
| Garage Area | 352 sqft |
| Parking Spaces | 1 Parking Space |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 349 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 | LOT 20 BLOCK 8 EX W 5 FT SEC 22 & 23 O. P. |
| Legal Subdivision | CITY OF OTSEGO |
| Legal Block | 8 |
| Legal Lot Number | 20 |
| Jurisdiction | ALLEGAN MI |
| Township / Civil Division | OTSEGO |
| Census Block Group | 2 |
| Census Block | 2005 |
| 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 349 E FRANKLIN ST, OTSEGO, MI 49078-1323 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 26, 2022 · Amount on Record |
| Deed Sale | Oct 26, 2022 · Amount on Record |
| Prior Sale | Feb 23, 2011 · Amount on Record |
| Deed Document Number | 202220649 |
| Deed Book / Page | 4810 / 951 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ALLEGAN MI |
| Recording Date | Oct 26, 2022 |
| Property Address | 349 E FRANKLIN ST, OTSEGO, MI 49078-1323 |
| Document Number | 004810/951 |
| Book / Page | 4810 / 951 |
| Map Reference | LB 5 PG 231 |
| Instrument Date | Oct 21, 2022 |
| Instrument | 2022020649 |
| Transaction Type | Transfer |
| Record Updated | Nov 3, 2022 |
| Title Company | CHICAGO TITLE OF MI INC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,635.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 349 E FRANKLIN ST, 349, OTSEGO, MI 49078-1323 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 349 E FRANKLIN ST, OTSEGO, MI 49078-1323 |
| Document Number | 0004810954 |
|---|---|
| Date | Oct 26, 2022 |
| Instrument | 4810-954 |
| Name | MORTGAGE 1 INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2052 |
| Document Number | 004810/965 |
|---|---|
| Date | Oct 26, 2022 |
| Book Page | 4810/965 |
| Instrument | 2022020651 |
| 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 | $113,600 (+35.24%) Land $10,200 Building $103,400 | $227,200 (+35.24%) Land $20,400 Building $206,800 | |
| 2025 | $4,049.00 (+98.58%) | ||
| 2023 | $84,000 Land $5,200 Building $78,800 | $168,000 Land $10,400 Building $157,600 | |
| 2022 | $2,039.00 |
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.
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.
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 | None beyond ember reach |
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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