Otsego County property record for 404 E 3rd St, Gaylord, MI 49735
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $46,900 (Sep 2008) |
| Tax Bill | $1,625 (2025) |
| Deeds & Mortgages | Oct 2017 Mortgage |
| APN | 103-361-004-004-00 |
| Primary APN | 103-361-004-004-00 |
|---|
| Lot Area | 8,712 sqft (0.2 acres) |
|---|---|
| Lot Width | 66 ft Width |
| Street Address | 404 E 3RD ST |
|---|---|
| City | GAYLORD |
| State | MI |
| Zip | 49735-1263 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 4 BLK. 4 SHELDENS SECOND ADDITION CITYOF GAYLORD SEC 4 T30N R3W |
| Legal Range | 03W |
| Legal Township | 30N |
| Legal Section | 04 |
| Legal Subdivision | SHELDENS SECOND ADDITION |
| Legal Block | 4 |
| Legal Lot Number | 4 |
| Jurisdiction | OTSEGO MI |
| Township / Civil Division | GAYLORD |
| Census Block Group | 3 |
| Census Block | 3043 |
| Census Tract | 950300 |
404 E 3rd St is owned and occupied by two individuals who acquired it in January 2025.
Source: Otsego County records, as of October 22, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 404 E 3RD ST, GAYLORD, MI 49735-1263 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 8, 2008 · Amount on File |
| Deed Sale | Sep 8, 2008 · Amount on File |
| Prior Sale | Aug 22, 2006 · Amount on File |
| Deed Book / Page | 1180 / 493 |
| Last Transfer Date | Jan 8, 2025 |
| Transfer Doc | 001675/690 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTSEGO MI |
| Property Address | 404 E 3RD ST, GAYLORD, MI 49735-1263 |
| Transaction Type | Mortgage |
| Record Updated | Aug 12, 2022 |
| Name | Verified Name |
|---|
| Document Number | 01444/0247 |
|---|---|
| Date | Oct 13, 2017 |
| Book Page | 1444/0247 |
| Name | CHEMICAL BANK |
|---|---|
| Type | Bank |
| Address | WYOMING, MI 49519 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2047 |
The 2025 property tax bill for 404 E 3rd St was $1,625 with a homeowner's exemption, up 1.4% from the year before.
Source: Otsego County assessment roll, as of October 22, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Otsego County |
| Municipality | Gaylord City |
| Unified School District | Gaylord Community Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $110,200 (+11.99%) | $220,400 (+11.99%) | |
| 2025 | $1,625.00 (+1.44%) Homeowner's exemption | $98,400 | $196,800 |
| 2024 | $1,602.00 | ||
| 2023 | $66,000 | $132,000 | |
| 2022 | $1,545.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA has no flood map on file for 404 E 3rd St.
Source: FEMA National Flood Hazard Layer
| FEMA Flood Zone | Not on file |
|---|
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 404 E 3rd 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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 | CITY OF GAYLORD serves 3,629 people · EPA ID MI0002600 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2022 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 3 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 286 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
May also be available: Baraga Telephone Company.
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