Allegan County property record for 508 E Franklin St, Otsego, MI 49078
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 984 sqft · built 1874 |
| Lot Size | 0.455 acres (19,820 sqft) |
| Owner | Company Name on Record |
| Last Sale | $125,797 (Feb 2024) |
| Tax Bill | $2,867 (2025) |
| Deeds & Mortgages | Mar 2020 Mortgage Mar 2024 Transfer + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 54-452-001-00 |
| Primary APN | 54-452-001-00 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 2 Stories |
| Building Area | 984 sqft Living Area |
| 1st Floor Area | 750 sqft |
| Basement Area | 572 sqft |
| Unfinished Basement | 572 sqft |
| Year Built | Built 1874 |
|---|---|
| Effective Year Built | Effective 1874 |
| Exterior Material | Stucco |
| Foundation Type | No Foundation |
| Lot Area | 19,820 sqft (0.455 acres) |
| Lot Dimensions | 165 ft deep x 120 ft wide |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 508 E FRANKLIN ST |
|---|---|
| City | OTSEGO |
| State | MI |
| Zip | 49078-1328 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-B |
| Legal Description | LOTS 1 & 2 BLOCK B ALSO LOT 3 BLOCK B EX ELY 30 FT MEASURED ALONG FRANKLIN ST ALSO EX ALL THAT PT LYING S OF DRAIN HOMESTEAD |
| Legal Subdivision | HOMESTEAD ADDITION |
| Legal Block | B |
| Legal Lot Number | 1-3 |
| Jurisdiction | ALLEGAN MI |
| Township / Civil Division | OTSEGO |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 31900 |
Source: Allegan County records, as of June 25, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 4794 GENEVA AVE, PORTAGE, MI 49024-3030 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
| Date | Document |
|---|---|
| Mar 26, 2020 | Deed of Trust, Mortgage · FHA Mortgage LAKE MICHIGAN CU |
| Mar 15, 2024 | Intrafamily Transfer, Transfer |
| Feb 1, 2024 | Sheriff's Deed, Foreclosure Foreclosure Auction |
| Apr 16, 2020 | Warranty Deed, Transfer TITLE RESOURCE AGENCY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 1, 2024 · Amount on Record |
| Deed Sale | Feb 1, 2024 · Amount on Record |
| Prior Sale | Apr 16, 2020 · Amount on Record |
| Deed Document Number | 20241385 |
| Deed Book / Page | 4918 / 94 |
| Last Transfer Date | Mar 12, 2024 |
| Transfer Doc | 004926/623 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALLEGAN MI |
| Property Address | 508 E FRANKLIN ST, OTSEGO, MI 49078-1328 |
| Transaction Type | Mortgage |
| Record Updated | Mar 26, 2024 |
| Name | Verified Name |
|---|
| Document Number | 004443/854 |
|---|---|
| Date | Mar 26, 2020 |
| Book Page | 4443/854 |
| Name | LAKE MICHIGAN CU |
|---|---|
| Type | Credit Union |
| Address | GRAND RAPIDS, MI 49501 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2050 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ALLEGAN MI |
| Recording Date | Mar 15, 2024 |
| Property Address | 508 E FRANKLIN ST, OTSEGO, MI 49078-1328 |
| Document Number | 004926/623 |
| Book / Page | 4926 / 623 |
| Map Reference | LB 2 PG 22 |
| Instrument Date | Mar 12, 2024 |
| Instrument | 2024003233 |
| Transaction Type | Transfer |
| Record Updated | Mar 26, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 4754 GENEVA AVE, PORTAGE, MI 49024-3030 |
| Investor | Possibly a Property Investor |
| Document Type | Sheriff's Deed |
|---|---|
| Jurisdiction | ALLEGAN MI |
| Recording Date | Feb 1, 2024 |
| Property Address | 508 E FRANKLIN ST, OTSEGO, MI 49078-1328 |
| Document Number | 0004918/94 |
| Book / Page | 4918 / 94 |
| Map Reference | LB 2 PG 22 |
| Instrument Date | May 5, 2022 |
| Instrument | 2024001385 |
| Transaction Type | Foreclosure |
| Record Updated | Mar 26, 2024 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 640 RIVER ST, ALLEGAN, MI 49010-9501 |
| Name | Verified Name |
|---|---|
| Address | 545 E ALLEGAN ST, OTSEGO, MI 49078-1303 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ALLEGAN MI |
| Recording Date | Apr 16, 2020 |
| Property Address | 508 E FRANKLIN ST, OTSEGO, MI 49078-1328 |
| Document Number | 004451/107 |
| Book / Page | 4451 / 107 |
| Map Reference | LB 2 PG 22 |
| Instrument Date | Mar 25, 2020 |
| Transaction Type | Transfer |
| Record Updated | Mar 26, 2024 |
| Title Company | TITLE RESOURCE AGENCY |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,079.30 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1602 SOUTHPOINTE TRL, OTSEGO, MI 49078-9323 |
| Name | Verified Name |
|---|---|
| Address | 364 12TH ST, PLAINWELL, MI 49080-1117 |
Source: Allegan County assessment roll, as of June 25, 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 | $79,400 (+5.73%) Land $20,400 Building $59,000 | $158,800 (+5.73%) Land $40,800 Building $118,000 | |
| 2025 | $2,867.00 (+39.04%) Homeowner's exemption | $75,100 (+32.69%) Land $18,200 Building $56,900 | $150,200 (+32.69%) Land $36,400 Building $113,800 |
| 2024 | $2,062.00 (+15.84%) | ||
| 2023 | $56,600 Land $10,400 Building $46,200 | $113,200 Land $20,800 Building $92,400 | |
| 2022 | $1,780.00 |
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.
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.
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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