Allegan County property record for 442 E Franklin St, Otsego, MI 49078
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 1.5 ba · 1,680 sqft · built 1930 |
| Lot Size | 0.379 acres (16,509 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,399 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 54-451-009-00 |
| Primary APN | 54-451-009-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,680 sqft Living Area |
| 1st Floor Area | 1,120 sqft |
| Basement Area | 1,120 sqft |
| Unfinished Basement | 1,120 sqft |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1930 |
| Architectural Style | Cape Cod |
| Exterior Material | Wood |
| Lot Area | 16,509 sqft (0.379 acres) |
| Lot Dimensions | 165 ft deep x 100 ft wide |
| Garage Area | 720 sqft |
| Parking Spaces | 3 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 442 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 9 & 10 BLOCK A HOMESTEAD ADDITION. |
| Legal Subdivision | BLOCK A HOMESTEAD ADD |
| Legal Block | A |
| Legal Lot Number | 9-10 |
| Jurisdiction | ALLEGAN MI |
| Township / Civil Division | OTSEGO |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 31900 |
442 E Franklin St is owned and occupied by two individuals.
Source: Allegan County records, as of September 9, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 442 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 442 E Franklin St was $2,399 with a homeowner's exemption.
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 | $113,000 Land $17,000 Building $96,000 | $226,000 Land $34,000 Building $192,000 | |
| 2025 | $2,399.00 | ||
| 2023 | $82,600 Land $8,600 Building $74,000 | $165,200 Land $17,200 Building $148,000 | |
| 2022 | $2,005.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 442 E Franklin St in Zone X, an area of minimal flood risk, within 100 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 100 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 442 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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