Allegan County property record for 415 E Franklin St, Otsego, MI 49078
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,003 sqft |
| Lot Size | 0.5 acres (21,780 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $152,000 (Jun 2017) |
| Tax Bill | $3,668 (2025) |
| Deeds & Mortgages | Jun 2017 Mortgage Jun 2017 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 54-023-230-00 |
| Primary APN | 54-023-230-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 2,003 sqft Living Area |
| 1st Floor Area | 1,715 sqft |
| Basement Area | 1,589 sqft |
| Unfinished Basement | 1,589 sqft |
| Exterior Material | Stucco |
|---|---|
| Foundation Type | No Foundation |
| Lot Area | 21,780 sqft (0.5 acres) |
| Lot Dimensions | 165 ft deep x 132 ft wide |
| Garage Area | 884 sqft |
| Parking Spaces | 4 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 415 E FRANKLIN ST |
|---|---|
| City | OTSEGO |
| State | MI |
| Zip | 49078-1325 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-B |
| Legal Description | COM 132 FT S 75 DEG 40 MIN E FROM SE COR LOT 20 BLOCK 8 O. P. TH S 75 DEG 40 MIN E 132 FT TH N 14 DEG 20 MIN E 165 FT TH N 75 DEG 40 MIN W 132 FT TH S 14 DEG 20 MIN W 165 FT TO BEG SEC 23 T1N R12W. |
| Legal Range | 12W |
| Legal Township | 01N |
| Legal Section | 23 |
| 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 | 415 E FRANKLIN ST, OTSEGO, MI 49078-1325 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 5, 2017 | Deed of Trust, Mortgage · Conventional Mortgage AMERIFIRST FINANCIAL CORP |
| Jun 5, 2017 | Warranty Deed, Transfer TITLE RESOURCE AGENCY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 5, 2017 · Amount on Record |
| Deed Sale | Jun 5, 2017 · Amount on Record |
| Prior Sale | Dec 4, 1995 · Amount on Record |
| Deed Book / Page | 4145 / 985 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALLEGAN MI |
| Property Address | 415 E FRANKLIN ST, OTSEGO, MI 49078-1325 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 4146/001 |
|---|---|
| Date | Jun 5, 2017 |
| Book Page | 4146/001 |
| Name | AMERIFIRST FINANCIAL CORP |
|---|---|
| Type | Funding / Finance Company |
| Address | PORTAGE, MI 49002 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2047 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ALLEGAN MI |
| Recording Date | Jun 5, 2017 |
| Property Address | 415 E FRANKLIN ST, OTSEGO, MI 49078-1325 |
| Document Number | 4145/985 |
| Book / Page | 4145 / 985 |
| Instrument Date | May 26, 2017 |
| Transaction Type | Transfer |
| Record Updated | Aug 3, 2021 |
| Title Company | TITLE RESOURCE AGENCY |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,307.20 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 415 E FRANKLIN ST, 415, OTSEGO, MI 49078-1325 |
| Name | Verified Name |
|---|---|
| Address | 415 E FRANKLIN ST, OTSEGO, MI 49078-1325 |
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 | $144,500 (+38.41%) Land $22,400 Building $122,100 | $289,000 (+38.41%) Land $44,800 Building $244,200 | |
| 2025 | $3,668.00 (+22.92%) | ||
| 2023 | $104,400 Land $11,400 Building $93,000 | $208,800 Land $22,800 Building $186,000 | |
| 2022 | $2,984.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 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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