Allegan County property record for 416 E Franklin St, Otsego, MI 49078
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,420 sqft · built 1870 |
| Lot Size | 0.189 acres (8,233 sqft) |
| Owner | Individual Name on File |
| Last Sale | $175,600 (Sep 2023) |
| Tax Bill | $3,462 (2025) |
| Deeds & Mortgages | Sep 2023 Sale & Mortgage Sep 2023 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 54-451-004-00 |
| Primary APN | 54-451-004-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,420 sqft Living Area |
| 1st Floor Area | 820 sqft |
| Basement Area | 600 sqft |
| Unfinished Basement | 600 sqft |
| Year Built | Built 1870 |
|---|---|
| Effective Year Built | Effective 1870 |
| Exterior Material | Stucco |
| Foundation Type | No Foundation |
| Lot Area | 8,233 sqft (0.189 acres) |
| Lot Dimensions | 165 ft deep x 50 ft wide |
| Garage Area | 768 sqft |
| Parking Spaces | 3 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 416 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 4 BLOCK A HOMESTEAD ADDITION. |
| Legal Subdivision | BLOCK A HOMESTEAD ADD |
| Legal Block | A |
| Legal Lot Number | 4 |
| Jurisdiction | ALLEGAN MI |
| Township / Civil Division | OTSEGO |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 31900 |
416 E Franklin St is owned and occupied by an individual who bought it in September 2023.
Source: Allegan County records, as of September 9, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 416 E FRANKLIN ST, OTSEGO, MI 49078-1326 |
| 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.
| Date | Document |
|---|---|
| Sep 7, 2023 | Warranty Deed, Transfer · Conventional Mortgage CONSUMERS CU |
| Sep 7, 2023 | Warranty Deed, Transfer · Conventional Mortgage CONSUMERS CU |
| May 31, 2022 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage ARBOR FINANCIAL CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 7, 2023 · Amount on File |
| Deed Sale | Sep 7, 2023 · Amount on File |
| Prior Sale | Mar 26, 2013 |
| Deed Document Number | 202312885 |
| Deed Book / Page | 4884 / 251 |
| Prior Transfer Date | Mar 20, 2013 |
| Prior Transfer Doc | 3719/514 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ALLEGAN MI |
| Recording Date | Sep 7, 2023 |
| Property Address | 416 E FRANKLIN ST, OTSEGO, MI 49078-1326 |
| Document Number | 004884/251 |
| Book / Page | 4884 / 251 |
| Map Reference | LB 2 PG 22 |
| Instrument Date | Aug 25, 2023 |
| Instrument | 2023012885 |
| Transaction Type | Transfer |
| Record Updated | Sep 21, 2023 |
| Title Company | DO NO USE, ASK SERVICES |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,320.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 416 E FRANKLIN ST, OTSEGO, MI 49078-1326 |
| Name | Verified Name |
|---|---|
| Address | 2233 MILES AVE, KALAMAZOO, MI 49001-7911 |
| Document Number | 2023012886 |
|---|---|
| Date | Sep 7, 2023 |
| Instrument | 2023012886 |
| Name | CONSUMERS CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ALLEGAN MI |
| Recording Date | Sep 7, 2023 |
| Property Address | 416 E FRANKLIN ST, OTSEGO, MI 49078-1326 |
| Document Number | 004884/251 |
| Book / Page | 4884 / 251 |
| Map Reference | LB 2 PG 22 |
| Instrument Date | Aug 25, 2023 |
| Instrument | 2023012885 |
| Transaction Type | Transfer |
| Record Updated | Sep 21, 2023 |
| Title Company | DO NO USE, ASK SERVICES |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,320.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 416 E FRANKLIN ST, OTSEGO, MI 49078-1326 |
| Name | Verified Name |
|---|---|
| Address | 2233 MILES AVE, KALAMAZOO, MI 49001-7911 |
| Document Number | 2023012886 |
|---|---|
| Date | Sep 7, 2023 |
| Instrument | 2023012886 |
| Name | CONSUMERS CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALLEGAN MI |
| Property Address | 416 E FRANKLIN ST, OTSEGO, MI 49078-1326 |
| Transaction Type | Mortgage |
| Record Updated | Jun 8, 2022 |
| Name | Verified Name |
|---|---|
| Address | 416 E FRANKLIN ST, OTSEGO, MI 49078-1326 |
| Document Number | 004765/633 |
|---|---|
| Date | May 31, 2022 |
| Book Page | 4765/633 |
| Instrument | 2022011055 |
| Name | ARBOR FINANCIAL CU |
|---|---|
| Type | Credit Union |
| Address | KALAMAZOO, MI 49009 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Jun 1, 2032 |
The 2025 property tax bill for 416 E Franklin St was $3,462 with a homeowner's exemption, up 2.5% from the year before.
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 | $86,300 (+3.11%) Land $8,500 Building $77,800 | $172,600 (+3.11%) Land $17,000 Building $155,600 | |
| 2025 | $3,462.00 (+2.49%) Homeowner's exemption | $83,700 Land $7,600 Building $76,100 | $167,400 Land $15,200 Building $152,200 |
| 2024 | $3,378.00 | ||
| 2023 | $66,300 Land $4,300 Building $62,000 | $132,600 Land $8,600 Building $124,000 | |
| 2022 | $1,485.00 |
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.
FEMA maps place 416 E Franklin St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 risk around 416 E Franklin 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 | 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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