425 E Franklin St, Otsego, MI 49078 Property Records

Allegan County property record for 425 E Franklin St, Otsego, MI 49078

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,072 sqft · built 1946
Lot Size	0.25 acres (10,890 sqft)
Owner	Individual Name on Record
Last Sale	$114,900 (Oct 2017)
Tax Bill	$2,801 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Oct 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`54-023-229-00`

Property Details

APN / Parcel Number

Primary APN	`54-023-229-00`
Alternative APN	`03-54-023-229-00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,072 sqft Living Area
1st Floor Area	1,072 sqft
Basement Area	1,008 sqft
Unfinished Basement	1,008 sqft

Exterior

Year Built	Built 1946
Effective Year Built	Effective 1946
Architectural Style	Cape Cod
Exterior Material	Wood
Foundation Type	Raised
Lot Area	10,890 sqft (0.25 acres)
Lot Dimensions	165 ft deep x 66 ft wide
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	425 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 264 FT S 75 DEG 40 MIN E FROM SE COR LOT 20 BLOCK 8 O. P. TH S 75 DEG 40 MIN E 66 FT TH N 14 DEG 20 MIN E 165 FT TH N 75 DEG 40 MIN W 66 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 Subdivision	VILLAGE
Legal Block	8
Legal Lot Number	20
Jurisdiction	ALLEGAN MI
Township / Civil Division	OTSEGO
Census Block Group	2
Census Block	2005
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	Individual Name on Record
Mailing Address	425 E FRANKLIN ST, OTSEGO, MI 49078-1325
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 3, 2022	Deed of Trust, Mortgage · Conventional Mortgage INDEPENDENT BANK
Oct 2, 2017	Warranty Deed, Transfer · Conventional Mortgage INDEPENDENT BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 2, 2017 · Amount on Record
Deed Sale	Oct 2, 2017 · Amount on Record
Prior Sale	Sep 8, 1999
Deed Document Number	20174181-601
Deed Book / Page	4181 / 601
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGAN MI
Property Address	425 E FRANKLIN ST, OTSEGO, MI 49078-1325
Transaction Type	Mortgage
Record Updated	Jan 17, 2022
Title Company	LIGHTHOUSE TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	425 E FRANKLIN ST, OTSEGO, MI 49078-1325

Mortgage

Document Number	004714/881
Date	Jan 3, 2022
Book Page	4714/881
Instrument	2022000127

Lender

Name	INDEPENDENT BANK
Type	Bank
Address	GRAND RAPIDS, MI 49525

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2052

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEGAN MI
Recording Date	Oct 2, 2017
Property Address	425 E FRANKLIN ST, OTSEGO, MI 49078-1325
Document Number	4181/601
Book / Page	4181 / 601
Instrument Date	Sep 27, 2017
Instrument	4181-601
Transaction Type	Transfer
Record Updated	Aug 3, 2021
Title Company	WEST MICHIGAN REALTORS TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$989.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1362 E M 8969, 1362, OTSEGO, MI 49078

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	425 E FRANKLIN ST, OTSEGO, MI 49078-1325

Mortgage

Document Number	4181604
Date	Oct 2, 2017
Instrument	4181-604

Lender

Name	INDEPENDENT BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2047

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		$94,900 (+35.38%) Land $11,200 Building $83,700	$189,800 (+35.38%) Land $22,400 Building $167,400
2025	$2,801.00 (+19.45%)
2023		$70,100 Land $5,700 Building $64,400	$140,200 Land $11,400 Building $128,800
2022	$2,345.00

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	None beyond ember reach

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

425 E Franklin St, Otsego, MI 49078 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

January 2022: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

October 2017: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on E Franklin St

Nearby Streets

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