Allegan County property record for 402 E Franklin St, Otsego, MI 49078
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,190 sqft · built 1890 |
| Lot Size | 0.189 acres (8,233 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $119,900 (Dec 2017) |
| Tax Bill | $2,274 (2025) |
| Deeds & Mortgages | Jul 2026 Mortgage Dec 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 54-451-001-00 |
| Primary APN | 54-451-001-00 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 2 Stories |
| Building Area | 1,190 sqft Living Area |
| 1st Floor Area | 680 sqft |
| Basement Area | 680 sqft |
| Unfinished Basement | 680 sqft |
| Year Built | Built 1890 |
|---|---|
| Effective Year Built | Effective 1890 |
| Exterior Material | Stucco |
| Lot Area | 8,233 sqft (0.189 acres) |
| Lot Dimensions | 165 ft deep x 50 ft wide |
| Garage Area | 216 sqft |
| Parking Spaces | 1 Parking Space |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 402 E FRANKLIN ST |
|---|---|
| City | OTSEGO |
| State | MI |
| Zip | 49078-1326 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-B |
| Legal Description | LOT 1 BLOCK A HOMESTEAD ADDITION. |
| Legal Subdivision | BLOCK A HOMESTEAD ADD |
| Legal Block | A |
| Legal Lot Number | 1 |
| Jurisdiction | ALLEGAN MI |
| Township / Civil Division | OTSEGO |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 31900 |
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 | 402 E FRANKLIN ST, OTSEGO, MI 49078-1326 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 27, 2026 | Deed of Trust, Mortgage · Conventional Mortgage HONOR CREDIT UNION |
| Dec 5, 2017 | Warranty Deed, Transfer QUICKEN LOANS INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 5, 2017 · Amount on Record |
| Deed Sale | Dec 5, 2017 · Amount on Record |
| Prior Sale | Aug 28, 2015 |
| Deed Document Number | 20174201-864 |
| Deed Book / Page | 4201 / 864 |
| Prior Transfer Date | Aug 20, 2015 |
| Prior Transfer Doc | 3958/179 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALLEGAN MI |
| Recording Date | Jul 27, 2026 |
| Property Address | 402 E FRANKLIN ST, OTSEGO, MI 49078-1326 |
| Document Number | 0000012526 |
| Book / Page | 5159 / 800 |
| Instrument Date | Jul 14, 2026 |
| Instrument | 202612526 |
| Transaction Type | Mortgage |
| Record Updated | Aug 5, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 402 E FRANKLIN ST, OTSEGO, MI 49078-1326 |
| Document Number | 0000012526, |
|---|---|
| Date | Jul 27, 2026 |
| Book Page | 5159/800 |
| Instrument | 202612526 |
| Name | HONOR CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Aug 1, 2036 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.47% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ALLEGAN MI |
| Recording Date | Dec 5, 2017 |
| Property Address | 402 E FRANKLIN ST, OTSEGO, MI 49078-1326 |
| Document Number | 4201/864 |
| Book / Page | 4201 / 864 |
| Map Reference | LB2 PG22 |
| Instrument Date | Nov 28, 2017 |
| Instrument | 4201-864 |
| Transaction Type | Transfer |
| Record Updated | Aug 3, 2021 |
| Title Company | WEST MICHIGAN REALTORS TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,032.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 402 E FRANKLIN ST, 402, OTSEGO, MI 49078-1326 |
| Name | Verified Name |
|---|---|
| Address | 9680 KELLER RD, DELTON, MI 49046-9719 |
| Document Number | 4201867 |
|---|---|
| Date | Dec 5, 2017 |
| Instrument | 4201-867 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Dec 1, 2047 |
Source: Allegan County assessment roll, as of June 25, 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 | $75,800 (+4.12%) Land $8,500 Building $67,300 | $151,600 (+4.12%) Land $17,000 Building $134,600 | |
| 2025 | $2,274.00 (+2.57%) Homeowner's exemption | $72,800 (+27.27%) Land $7,600 Building $65,200 | $145,600 (+27.27%) Land $15,200 Building $130,400 |
| 2024 | $2,217.00 (+16.75%) | ||
| 2023 | $57,200 Land $4,300 Building $52,900 | $114,400 Land $8,600 Building $105,800 | |
| 2022 | $1,899.00 |
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 |
|---|---|
| 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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