Shiawassee County property record for 1004 Ward St, Owosso, MI 48867
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,392 sqft · built 1957 |
| Lot Size | 0.35 acres (15,246 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $100,000 (Aug 2015) |
| Tax Bill | $2,955 (2025) |
| Deeds & Mortgages | Jun 2026 Mortgage Nov 2023 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 050-560-000-034-00 |
| Primary APN | 050-560-000-034-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 1,392 sqft Living Area |
| 1st Floor Area | 1,392 sqft |
| Basement Area | 1,392 sqft |
| Unfinished Basement | 1,392 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1957 |
|---|---|
| Effective Year Built | Effective 1957 |
| Architectural Style | Ranch |
| Lot Area | 15,246 sqft (0.35 acres) |
| Garage Area | 480 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 1004 WARD ST |
|---|---|
| City | OWOSSO |
| State | MI |
| Zip | 48867-1436 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 34 SHADY LANE SUBDIV |
| Legal Subdivision | SHADY LANE SUBDIV |
| Legal Lot Number | 34 |
| Jurisdiction | SHIAWASSEE MI |
| Township / Civil Division | OWOSSO |
| Census Block Group | 1 |
| Census Block | 1014 |
| Census Tract | 30400 |
1004 Ward St is owned and occupied by two individuals who bought it in August 2015.
Source: Shiawassee County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1004 WARD ST, OWOSSO, MI 48867-1436 |
| 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.
| Date | Document |
|---|---|
| Jun 4, 2026 | Deed of Trust, Mortgage · VA Mortgage FIFTH THIRD BANK |
| Nov 7, 2023 | Deed of Trust, Mortgage · FHA Mortgage MORTGAGE 1 INC |
| Mar 2, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 10, 2015 · Amount on File |
| Deed Sale | Aug 10, 2015 · Amount on File |
| Deed Document Number | 20153276695 |
| Deed Book / Page | 1213 / 505 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHIAWASSEE MI |
| Recording Date | Jun 4, 2026 |
| Property Address | 1004 WARD ST, OWOSSO, MI 48867-1436 |
| Document Number | 0003403931 |
| Book / Page | 1339 / 352 |
| Instrument Date | May 26, 2026 |
| Instrument | 20263403931 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 1004 WARD ST, OWOSSO, MI 48867-1436 |
| Document Number | 0003403931, |
|---|---|
| Date | Jun 4, 2026 |
| Book Page | 1339/352 |
| Instrument | 20263403931 |
| Name | FIFTH THIRD BANK |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.3% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHIAWASSEE MI |
| Property Address | 1004 WARD ST, OWOSSO, MI 48867-1436 |
| Transaction Type | Mortgage |
| Record Updated | Nov 22, 2023 |
| Title Company | ATA NATIONAL TITLE GROUP LLC |
| Name | Verified Name |
|---|---|
| Address | 1004 WARD ST, OWOSSO, MI 48867-1436 |
| Document Number | 0013120059 |
|---|---|
| Date | Nov 7, 2023 |
| Book Page | 1312/59 |
| Instrument | 3376225 |
| Name | MORTGAGE 1 INC |
|---|---|
| Type | Mortgage Company |
| Address | STERLING HEIGHTS, MI 48314 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHIAWASSEE MI |
| Property Address | 1004 WARD ST, OWOSSO, MI 48867-1436 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0012660552 |
|---|---|
| Date | Mar 2, 2020 |
| Book Page | 1266/552 |
| Instrument | 3330182 |
| Name | FIFTH THIRD BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45263 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Mar 1, 2035 |
The 2025 property tax bill for 1004 Ward St was $2,955 with a homeowner's exemption, up 4.9% from the year before.
Source: Shiawassee County assessment roll, as of July 16, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Shiawassee County |
| Municipality | Owosso City |
| Unified School District | Owosso Public Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $111,100 (+9.03%) | $222,200 (+9.03%) | |
| 2025 | $2,955.00 (+4.9%) Homeowner's exemption | $101,900 | $203,800 |
| 2024 | $2,817.00 | ||
| 2023 | $2,817.00 Homeowner's exemption | $84,000 | $168,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1004 Ward St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective April 12, 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| 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 1004 Ward St is low, with less than 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 99.1% of the US · lower than 98.4% of Michigan |
|---|---|
| Wildfire Likelihood | Under 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 | CITY OF OWOSSO serves 16,353 people · EPA ID MI0005120 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Oct 2024 |
| Lead | 9 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Coliform assessment Nov 2022 |
| Monitoring and Reporting | 2 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 312 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 5,000 / 5,000 |
| DayStarr Fiber | 2,500 / 2,500 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
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