Allegan County property record for 418 E Franklin St, Otsego, MI 49078
| Property Type | Single Family Home |
|---|---|
| Details | 6 bd · 4.5 ba · 3,356 sqft · built 1910 |
| Lot Size | 0.379 acres (16,509 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $130,000 (Jan 2023) |
| Tax Bill | $6,720 (2025) |
| Deeds & Mortgages | Aug 2026 Line of Credit Oct 2025 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 54-451-005-00 |
| Primary APN | 54-451-005-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,356 sqft Living Area |
| 1st Floor Area | 2,803 sqft |
| Basement Area | 2,458 sqft |
| Unfinished Basement | 738 sqft |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1910 |
| Architectural Style | Duplex Single |
| Exterior Material | Stucco |
| Foundation Type | Raised |
| Lot Area | 16,509 sqft (0.379 acres) |
| Lot Dimensions | 165 ft deep x 100 ft wide |
| Garage Area | 1,792 sqft |
| Parking Spaces | 6 Parking Spaces |
| Total Buildings | 2 Buildings |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 418 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 | LOTS 5 & 6 BLOCK A HOMESTEAD ADDITION |
| Legal Subdivision | BLOCK A HOMESTEAD ADD |
| Legal Block | A |
| Legal Lot Number | 5-6 |
| Jurisdiction | ALLEGAN MI |
| Township / Civil Division | OTSEGO |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 31900 |
Source: Allegan County records, as of October 20, 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 | 418 E FRANKLIN ST, OTSEGO, MI 49078-1326 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 31, 2026 | Deed of Trust, Mortgage · Line of Credit ADVIA CREDIT UNION |
| Oct 15, 2025 | Deed of Trust, Mortgage · Conventional Mortgage MERCANTILE BANK |
| Jan 10, 2023 | Warranty Deed, Transfer ACCOMODATION, ACCOMMODATION |
| Jan 12, 2022 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 10, 2023 · Amount on Record |
| Deed Sale | Jan 10, 2023 · Amount on Record |
| Prior Sale | Jul 23, 1998 |
| Deed Document Number | 2023432 |
| Deed Book / Page | 4829 / 26 |
| Prior Transfer Date | Nov 2, 2005 |
| Prior Transfer Doc | 2913/371 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALLEGAN MI |
| Recording Date | Aug 31, 2026 |
| Property Address | 418 E FRANKLIN ST, OTSEGO, MI 49078-1326 |
| Document Number | 0000014593 |
| Book / Page | 5170 / 597 |
| Instrument Date | Aug 26, 2026 |
| Instrument | 202614593 |
| Transaction Type | Mortgage |
| Record Updated | Sep 14, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 418 E FRANKLIN ST, OTSEGO, MI 49078-1326 |
| Investor | Possibly a Property Investor |
| Document Number | 0000014593, |
|---|---|
| Date | Aug 31, 2026 |
| Book Page | 5170/597 |
| Instrument | 202614593 |
| Name | ADVIA CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALLEGAN MI |
| Property Address | 418 E FRANKLIN ST, OTSEGO, MI 49078-1326 |
| Transaction Type | Mortgage |
| Record Updated | Oct 22, 2025 |
| Name | Verified Name |
|---|---|
| Address | 418 E FRANKLIN ST, OTSEGO, MI 49078-1326 |
| Document Number | 005077/388 |
|---|---|
| Date | Oct 15, 2025 |
| Book Page | 5077/388 |
| Instrument | 2025016537 |
| Name | MERCANTILE BANK |
|---|---|
| Type | Bank |
| Address | GRAND RAPIDS, MI 49504 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Nov 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ALLEGAN MI |
| Recording Date | Jan 10, 2023 |
| Property Address | 418 E FRANKLIN ST, OTSEGO, MI 49078-1326 |
| Document Number | 0004829/26 |
| Book / Page | 4829 / 26 |
| Map Reference | LB 2 PG 22 |
| Instrument Date | Dec 29, 2022 |
| Instrument | 2023000432 |
| Transaction Type | Transfer |
| Record Updated | Jan 23, 2023 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Amount | Amount Recorded |
|---|---|
| Tax | $975.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 418 E FRANKLIN ST, OTSEGO, MI 49078-1326 |
| Name | Verified Name |
|---|---|
| Address | 18573 WOODDUCK DR, SPRING LAKE, MI 49456-2901 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALLEGAN MI |
| Property Address | 418 E FRANKLIN ST, OTSEGO, MI 49078-1326 |
| Transaction Type | Mortgage |
| Record Updated | Jan 26, 2022 |
| Name | Verified Name |
|---|---|
| Address | 418 E FRANKLIN ST, OTSEGO, MI 49078-1326 |
| Document Number | 004719/216 |
|---|---|
| Date | Jan 12, 2022 |
| Book Page | 4719/216 |
| Instrument | 2022000971 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19801 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 479 Months |
| Due | Dec 13, 2061 |
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 | $132,100 (+0.84%) Land $17,000 Building $115,100 | $264,200 (+0.84%) Land $34,000 Building $230,200 | |
| 2025 | $6,720.00 (+70.13%) | $131,000 (+89.31%) Land $15,200 Building $115,800 | $262,000 (+89.31%) Land $30,400 Building $231,600 |
| 2024 | $3,950.00 (+61.89%) | ||
| 2023 | $69,200 Land $8,600 Building $60,600 | $138,400 Land $17,200 Building $121,200 | |
| 2022 | $2,440.00 |
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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