Shiawassee County property record for 1040 S Pearce St, Owosso, MI 48867
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,125 sqft · built 1940 |
| Lot Size | 0.24 acres (10,454 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $105,550 (Jun 2022) |
| Tax Bill | $2,906 (2025) |
| Deeds & Mortgages | Jun 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 050-270-000-058-00 |
| Primary APN | 050-270-000-058-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 1,125 sqft Living Area |
| 1st Floor Area | 1,125 sqft |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1940 |
| Lot Area | 10,454 sqft (0.24 acres) |
| Garage Area | 300 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 1040 S PEARCE ST |
|---|---|
| City | OWOSSO |
| State | MI |
| Zip | 48867-4342 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOTS 78 & 79 GRAND VIEW ADD INCD 12 CLOSED ALLEY |
| Legal Subdivision | GRAND VIEW ADD |
| Legal Lot Number | 78-79 |
| Jurisdiction | SHIAWASSEE MI |
| Township / Civil Division | OWOSSO |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 30800 |
1040 S Pearce St is owned and occupied by two individuals who bought it in June 2022.
Source: Shiawassee County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 223 S DEWEY ST, OWOSSO, MI 48867-3111 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 27, 2022 · Amount on File |
| Deed Sale | Jun 27, 2022 · Amount on File |
| Deed Document Number | 20223361859 |
| Deed Book / Page | 1297 / 918 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SHIAWASSEE MI |
| Recording Date | Jun 27, 2022 |
| Property Address | 1040 S PEARCE ST, OWOSSO, MI 48867-4342 |
| Document Number | 0012970918 |
| Book / Page | 1297 / 918 |
| Map Reference | LB 1 PG 59 |
| Instrument Date | Jun 6, 2022 |
| Instrument | 3361859 |
| Transaction Type | Transfer |
| Record Updated | Jul 15, 2022 |
| Title Company | ATA NATIONAL TITLE GROUP LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $795.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1040 S PEARCE ST, 1040, OWOSSO, MI 48867-4342 |
| Name | Verified Name |
|---|---|
| Address | 223 S DEWEY ST, OWOSSO, MI 48867-3111 |
| Document Number | 0003361860 |
|---|---|
| Date | Jun 27, 2022 |
| Instrument | 3361860 |
| Name | SECURITY CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2052 |
The 2025 property tax bill for 1040 S Pearce St was $2,906 with a homeowner's exemption.
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 | $58,700 (+9.31%) | $117,400 (+9.31%) | |
| 2025 | $2,906.00 Homeowner's exemption Additional exemption filed | $53,700 | $107,400 |
| 2023 | $2,745.00 Homeowner's exemption | $44,400 | $88,800 |
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.
FEMA maps place 1040 S Pearce St in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1981.
Source: FEMA National Flood Hazard Layer, effective April 12, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 5 (1981–1985) |
| Most Recent Claim | Feb 1985 · tidal / storm surge |
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.
Wildfire risk around 1040 S Pearce 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 347 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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