1012 S Cedar St, Owosso, MI 48867 Property Records

Shiawassee County property record for 1012 S Cedar St, Owosso, MI 48867 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on File
Last Sale	$86,500 (Dec 2017)
Tax Bill	$2,637 (2025)
Deeds & Mortgages	Dec 2023 Line of Credit Dec 2017 Sale & Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`050-622-003-003-00`

Property Details

APN / Parcel Number

Primary APN	`050-622-003-003-00`

Exterior

Lot Area	8,712 sqft (0.2 acres)

Location & Zoning

Street Address	1012 S CEDAR ST
City	OWOSSO
State	MI
Zip	48867-4222
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 3 BLK 3 GEO THOMAS 2ND ADD
Legal Subdivision	GEO THOMAS 2ND ADD
Legal Block	3
Legal Lot Number	3
Jurisdiction	SHIAWASSEE MI
Township / Civil Division	OWOSSO
Census Block Group	2
Census Block	2010
Census Tract	30700

Owner

Source: Shiawassee County records · APN 050-622-003-003-00

Assessment roll updated July 16, 2026 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	1012 S CEDAR ST, OWOSSO, MI 48867-4222
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 05, 2023	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA EASTERN MICHIGAN
Dec 18, 2017	Warranty Deed, Transfer · FHA Mortgage FIFTH THIRD MTG/MI
Dec 12, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 14, 2017 · Amount on Record
Deed Sale	Dec 14, 2017 · Amount on Record
Prior Sale	Dec 12, 2017 · Amount on Record
Deed Document Number	20173304604
Deed Book / Page	1241 / 243
Record Updated	Sep 20, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHIAWASSEE MI
Property Address	1012 S CEDAR ST, OWOSSO, MI 48867-4222
Transaction Type	Mortgage
Record Updated	Dec 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1012 S CEDAR ST, OWOSSO, MI 48867-4222

Mortgage

Document Number	0013120704
Date	Dec 05, 2023
Book Page	1312/704
Instrument	3376886

Lender

Name	FIFTH THIRD BANK NA EASTERN MICHIGAN
Address	1850 E PARIS AVE SE, GRAND RAPIDS, MI 49546

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Change Frequency	Monthly

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHIAWASSEE MI
Recording Date	Dec 18, 2017
Property Address	1012 S CEDAR ST, OWOSSO, MI 48867-4222
Document Number	0012410243
Book / Page	001241 / 000243
Instrument Date	Dec 08, 2017
Instrument	3304604
Transaction Type	Transfer
Record Updated	Jan 05, 2018
Title Company	CISLO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$648.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1012 S CEDAR ST OWOSSO MI 488674222, OWOSSO, MI 48867-4222

Mortgage

Document Number	12410244
Date	Dec 18, 2017
Book Page	001241/000244
Instrument	3304605

Lender

Name	FIFTH THIRD MTG/MI
Type	Mortgage Company
Address	GRAND RAPIDS, MI 49546

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 17, 2047

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHIAWASSEE MI
Recording Date	Dec 12, 2017
Property Address	1012 S CEDAR ST, OWOSSO, MI 48867-4222
Document Number	0012410113
Book / Page	001241 / 000113
Instrument Date	Dec 07, 2017
Instrument	3304474
Transaction Type	Transfer
Record Updated	Jan 03, 2018

Transaction

Amount	Amount Recorded
Tax	$533.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	326 WOODINGTON RD HOPE MILLS NC 283488552, HOPE MILLS, NC 28348-8552

Tax Assessment & Valuation

Source: Shiawassee County records · Assessment roll updated July 16, 2026 · Last verified July 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Shiawassee County
Municipality	Owosso City
Unified School District	Owosso Public Schools (KG - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$101,000 (+10.5%)	$202,000 (+10.5%)
2025	$2,637.00 (+4.89%) Homeowner's exemption	$91,400 (+20.74%)	$182,800 (+20.74%)
2023	$2,514.00 Homeowner's exemption	$75,700	$151,400

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Shiawassee County (26155C), updated April 12, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 261550307002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Moderate
500-Year Floodplain	Yes
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Cost	Premium on Record median of 35 individual NFIP policies nearby
Nearby Flood Policies	35 in force
Nearby Flood Claims	15 (1981–2009)
Claims Outside the SFHA	2 of 15
Most Recent Claim	Apr 2009, rainfall accumulation
Claims By Storm	Severe Storms, Tornadoes, And Flooding, May 2004 · 4 claims

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 347 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Frontier	Fiber	5,000 / 5,000
DayStarr	Fiber	2,500 / 2,500
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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