406 E Franklin St, Otsego, MI 49078 Property Records

Allegan County property record for 406 E Franklin St, Otsego, MI 49078

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 883 sqft · built 1920
Lot Size	0.189 acres (8,233 sqft)
Owner	Company Name on Record
Last Sale	$85,500 (Mar 2020)
Tax Bill	$2,933 (2025)
Deeds & Mortgages	Mar 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`54-451-002-00`

Property Details

APN / Parcel Number

Primary APN	`54-451-002-00`
Alternative APN	`03-54-451-002-00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	883 sqft Living Area
1st Floor Area	883 sqft
Basement Area	883 sqft
Unfinished Basement	883 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Ranch
Exterior Material	Stucco
Lot Area	8,233 sqft (0.189 acres)
Lot Dimensions	165 ft deep x 50 ft wide
Garage Area	320 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	406 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 2 BLOCK A HOMESTEAD ADDITION.
Legal Subdivision	BLOCK A HOMESTEAD ADD
Legal Block	A
Legal Lot Number	2
Jurisdiction	ALLEGAN MI
Township / Civil Division	OTSEGO
Census Block Group	2
Census Block	2007
Census Tract	31900

Owner

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	Company Name on Record
Mailing Address	7299 SILVER CREST DR, CINCINNATI, OH 45236-3622
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 20, 2020 · Amount on Record
Deed Sale	Mar 20, 2020 · Amount on Record
Prior Sale	Nov 27, 2007 · Amount on Record
Deed Book / Page	4441 / 973
Prior Transfer Date	Aug 7, 2003
Prior Transfer Doc	2530000141
Record Updated	Oct 29, 2026

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEGAN MI
Recording Date	Mar 20, 2020
Property Address	406 E FRANKLIN ST, OTSEGO, MI 49078-1326
Document Number	4441/973
Book / Page	4441 / 973
Map Reference	LB 2 PG 22
Instrument Date	Mar 12, 2020
Transaction Type	Transfer
Record Updated	Aug 3, 2021
Title Company	TITLE RESOURCE AGENCY

Transaction

Amount	Amount Recorded
Tax	$735.30
Amount Accuracy	Full Amount Stated
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	406 E FRANKLIN ST, 406, OTSEGO, MI 49078-1326

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	414 W FRANKLIN ST, OTSEGO, MI 49078-1214

Tax Assessment & Valuation

Source: Allegan County assessment roll, as of September 9, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Allegan County
Municipality	Otsego City
Unified School District	Otsego Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$63,100 (+33.4%) Land $8,500 Building $54,600	$126,200 (+33.4%) Land $17,000 Building $109,200
2025	$2,933.00 (+19.32%)
2023		$47,300 Land $4,300 Building $43,000	$94,600 Land $8,600 Building $86,000
2022	$2,458.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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.

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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