According to his death record, Albert G. Otto was born in Long Island, New York to F.J.M. Otto and Sophia (Hutter) Otto, both natives of Hamburg, Germany. In 1884, Albert G. Otto earned a law degree from the University of Michigan. He practiced law for several years in Indianapolis, Indiana. By 1928, Albert G. Otto had moved back Sandusky, Ohio. He died from heart disease on December 16, 1928. He was survived by his wife, three daughters, a son, and four grandchildren. Funeral services for Albert G. Otto were conducted by Rev. T.J.C. Stellhorn, and burial was in Sandusky's Oakland Cemetery. An obituary for Albert G. Otto, Sr. appeared in the Sandusky Star Journal on December 17, 1928.
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