429 E Franklin St, Otsego, MI 49078 Property Records

Allegan County property record for 429 E Franklin St, Otsego, MI 49078

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,139 sqft · built 1880
Lot Size	0.25 acres (10,890 sqft)
Owner	Individual Name on Record
Last Sale	$145,000 (Feb 2022)
Tax Bill	$2,885 (2025)
Deeds & Mortgages	Feb 2022 Sale & Mortgage May 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`54-023-228-00`

Property Details

APN / Parcel Number

Primary APN	`54-023-228-00`
Alternative APN	`03-54-023-228-00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	1,139 sqft Living Area
1st Floor Area	908 sqft
Basement Area	308 sqft
Unfinished Basement	308 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Exterior Material	Stucco
Foundation Type	Raised
Lot Area	10,890 sqft (0.25 acres)
Lot Dimensions	165 ft deep x 66 ft wide
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	429 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 330 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 TAX MAP: 0.25 AC.
Legal Range	12W
Legal Township	01N
Legal Section	23
Legal Subdivision	OTSEGO CITY ORIGINAL PLAT
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	429 E FRANKLIN ST, OTSEGO, MI 49078-1325
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 3, 2022	Warranty Deed, Transfer · FHA Mortgage ROCKET MORTGAGE LLC
May 17, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage NEWREZ LLC
Aug 7, 2017	Warranty Deed, Transfer · FHA Mortgage SUMMIT HOME MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 3, 2022 · Amount on Record
Deed Sale	Feb 3, 2022 · Amount on Record
Prior Sale	Aug 7, 2017 · Amount on Record
Deed Document Number	20222483
Deed Book / Page	4726 / 706
Prior Transfer Date	May 10, 2021
Prior Transfer Doc	004619/620
Record Updated	Oct 29, 2026

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEGAN MI
Recording Date	Feb 3, 2022
Property Address	429 E FRANKLIN ST, OTSEGO, MI 49078-1325
Document Number	004726/706
Book / Page	4726 / 706
Instrument Date	Jan 27, 2022
Instrument	2022002483
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	BELL TITLE/HASTINGS, BELL TITLE OF HASTINGS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,087.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	429 E FRANKLIN ST, 429, OTSEGO, MI 49078-1325

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	418 N MAIN ST # 2, 2, PLAINWELL, MI 49080-1317

Mortgage

Document Number	0004726707
Date	Feb 3, 2022
Instrument	4726/707

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2052

May 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ALLEGAN MI
Recording Date	May 17, 2021
Property Address	429 E FRANKLIN ST, OTSEGO, MI 49078-1325
Document Number	004619/620
Book / Page	4619 / 620
Instrument Date	May 10, 2021
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	AVENUE 365 LENDER SERVICES, AVENUE 365 LENDER SVCS LLC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	429 E FRANKLIN ST, OTSEGO, MI 49078-1325

Mortgage

Document Number	0004619623
Date	May 17, 2021
Instrument	4619/623

Lender

Name	NEWREZ LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jun 1, 2036

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEGAN MI
Recording Date	Aug 7, 2017
Property Address	429 E FRANKLIN ST, OTSEGO, MI 49078-1325
Document Number	4164/704
Book / Page	4164 / 704
Instrument Date	Jul 28, 2017
Transaction Type	Transfer
Record Updated	Aug 3, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$584.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1141 22ND ST, 1141, OTSEGO, MI 49078-9744

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6247 MEDFORD WAY, KALAMAZOO, MI 49009-9070

Mortgage

Document Number	4164705
Date	Aug 7, 2017
Instrument	4164/705

Lender

Name	SUMMIT HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 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		$80,700 (+4.81%) Land $11,200 Building $69,500	$161,400 (+4.81%) Land $22,400 Building $139,000
2025	$2,885.00 (+2.3%) Homeowner's exemption	$77,000 (+28.98%) Land $10,000 Building $67,000	$154,000 (+28.98%) Land $20,000 Building $134,000
2024	$2,820.00 (+86.88%)
2023		$59,700 Land $5,700 Building $54,000	$119,400 Land $11,400 Building $108,000
2022	$1,509.00

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.

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

429 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

February 2022: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

May 2021: Intrafamily Transfer, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

August 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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