443 E Franklin St, Otsego, MI 49078 Property Records

Allegan County property record for 443 E Franklin St, Otsego, MI 49078

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,568 sqft · built 1978
Lot Size	0.313 acres (13,634 sqft)
Owner	2 Individual Names on Record
Last Sale	$142,500 (Mar 2020)
Tax Bill	$4,442 (2025)
Deeds & Mortgages	Mar 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`54-023-225-00`

Property Details

APN / Parcel Number

Primary APN	`54-023-225-00`
Alternative APN	`03-54-023-225-00`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,568 sqft Living Area
1st Floor Area	1,568 sqft
Basement Area	1,568 sqft
Unfinished Basement	1,568 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Ranch
Exterior Material	Wood
Lot Area	13,634 sqft (0.313 acres)
Lot Dimensions	165 ft deep x 82.5 ft wide
Garage Area	660 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	443 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 478.5 FT E'LY FROM SE COR OF BLK 8 O.P. TH N'LY 165 FT AT RT ANG TO FRANKLIN ST TH E'LY 82.5 FT TH S'LY 165 FT AT RT ANG TO FRANKLIN ST TH W'LY 82.5 FT TO POB SEC 23 T1N R12W. (72).
Legal Range	12W
Legal Township	01N
Legal Section	23
Legal Block	8
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	2 Individual Names on Record
Mailing Address	443 E FRANKLIN ST, OTSEGO, MI 49078-1325
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 19, 2020 · Amount on Record
Deed Sale	Mar 19, 2020 · Amount on Record
Deed Book / Page	4441 / 757
Record Updated	Oct 29, 2026

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEGAN MI
Recording Date	Mar 19, 2020
Property Address	443 E FRANKLIN ST, OTSEGO, MI 49078-1325
Document Number	004441/757
Book / Page	4441 / 757
Instrument Date	Mar 13, 2020
Transaction Type	Transfer
Record Updated	May 3, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,225.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	443 E FRANKLIN ST, 443, OTSEGO, MI 49078-1325

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1230 144TH AVE, MOLINE, MI 49335

Mortgage

Document Number	0004441759
Date	Mar 19, 2020
Instrument	4441/759

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2050

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		$137,900 (+34.93%) Land $14,000 Building $123,900	$275,800 (+34.93%) Land $28,000 Building $247,800
2025	$4,442.00 (+19.54%)
2023		$102,200 Land $7,100 Building $95,100	$204,400 Land $14,200 Building $190,200
2022	$3,716.00

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