1013 Tracy St, Owosso, MI 48867 Property Records

Shiawassee County property record for 1013 Tracy St, Owosso, MI 48867

Property Summary

Property Type	Single Family Home
Lot Size	0.21 acres (9,148 sqft)
Owner	Individual Name on File
Tax Bill	$2,211 (2025)
Deeds & Mortgages	Apr 2026 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`050-602-013-003-00`

Property Details

APN / Parcel Number

Primary APN	`050-602-013-003-00`

Exterior

Lot Area	9,148 sqft (0.21 acres)

Location & Zoning

Street Address	1013 TRACY ST
City	OWOSSO
State	MI
Zip	48867-4065
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 3 BLK 13 M L STEWART & CO'S 2ND ADD INCL 12 CLSD ALLEY
Legal Subdivision	M L STEWART & COS 2ND ADD
Legal Block	13
Legal Lot Number	3
Jurisdiction	SHIAWASSEE MI
Township / Civil Division	OWOSSO
Census Block Group	1
Census Block	1020
Census Tract	30700

Owner

Source: Shiawassee County records · APN 050-602-013-003-00

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	1013 TRACY ST, OWOSSO, MI 48867-4065
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHIAWASSEE MI
Recording Date	Apr 30, 2026
Property Address	1013 TRACY ST, OWOSSO, MI 48867-4065
Document Number	0003402810
Book / Page	1338 / 232
Instrument Date	Apr 13, 2026
Instrument	20263402810
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1013 TRACY ST, OWOSSO, MI 48867-4065

Mortgage

Document Number	0003402810,
Date	Apr 30, 2026
Book Page	1338/232
Instrument	20263402810

Lender

Name	FIFTH THIRD BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 01, 2041

Interest

Rate Type	Fixed Rate
Rate	5.5%
Initial Type	Fixed Rate
Max Rate	-1%

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		$79,800 (+9.32%)	$159,600 (+9.32%)
2025	$2,211.00 (+3.41%) Homeowner's exemption	$73,000 (+18.31%)	$146,000 (+18.31%)
2023	$2,138.00 Homeowner's exemption	$61,700	$123,400

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of April 12, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force

Wildfire

Wildfire Risk	Not rated no burnable land within 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 as of December 31, 2025 · Last verified October 2026

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
T-Mobile USA Fixed Wireless	100 / 20

Based on FCC filings for 233 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	CITY OF OWOSSO serves 16,353 people
Water Source	Surface water
Last State Inspection	Oct 2024
Lead	9 ppb (2025) action level 15 ppb

Violations Reported to EPA

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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.