Shiawassee County property record for 109 Osburn St, Owosso, MI 48867
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,630 sqft · built 1923 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $86,900 (Aug 2015) |
| Tax Bill | $2,603 (2025) |
| Deeds & Mortgages | Jun 2022 Mortgage Nov 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 050-460-001-008-00 |
| Primary APN | 050-460-001-008-00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,630 sqft Living Area |
| 1st Floor Area | 1,110 sqft |
| Basement Area | 1,040 sqft |
| Unfinished Basement | 1,040 sqft |
| Year Built | Built 1923 |
|---|---|
| Effective Year Built | Effective 1923 |
| Architectural Style | Custom Design |
| Lot Area | 8,712 sqft (0.2 acres) |
| Garage Area | 480 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 109 OSBURN ST |
|---|---|
| City | OWOSSO |
| State | MI |
| Zip | 48867-1742 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | W 12 OF LOTS 8 & 9 BLK 1 OSBURNS SUBDIV OF OUTLOTS 14 & 15 OF JENNETT H KELLYS ADD |
| Legal Subdivision | OSBURNS SUBDIV |
| Legal Block | 1 |
| Legal Lot Number | 8-9 |
| Jurisdiction | SHIAWASSEE MI |
| Township / Civil Division | OWOSSO |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 30500 |
109 Osburn 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 | 109 OSBURN ST, OWOSSO, MI 48867-1742 |
| 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 2, 2022 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Nov 2, 2020 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| 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 | 20153276696 |
| Deed Book / Page | 1213 / 506 |
| Prior Transfer Date | Sep 24, 2012 |
| Prior Transfer Doc | 00117600690 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHIAWASSEE MI |
| Property Address | 109 OSBURN ST, OWOSSO, MI 48867-1742 |
| Transaction Type | Mortgage |
| Record Updated | Jun 20, 2022 |
| Title Company | NOT AVAILABLE, EMBASSY TITLE |
| Name | Verified Name |
|---|---|
| Address | 109 OSBURN ST, OWOSSO, MI 48867-1742 |
| Document Number | 0012970169 |
|---|---|
| Date | Jun 2, 2022 |
| Book Page | 1297/169 |
| Instrument | 3361094 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.37% |
| Type Change Date | Jul 1, 2027 |
| Change Frequency | 6 Months |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 6.37% |
| Index | Other |
| Max Rate | 9.37% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHIAWASSEE MI |
| Property Address | 109 OSBURN ST, OWOSSO, MI 48867-1742 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | PREMIER TITLE AGENCY LLC |
| Name | Verified Name |
|---|---|
| Address | 109 OSBURN ST, OWOSSO, MI 48867-1742 |
| Document Number | 0012740639 |
|---|---|
| Date | Nov 2, 2020 |
| Book Page | 1274/639 |
| Instrument | 3338323 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Nov 1, 2035 |
The 2025 property tax bill for 109 Osburn St was $2,603 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 | $98,400 (+9.33%) | $196,800 (+9.33%) | |
| 2025 | $2,603.00 (+4.88%) Homeowner's exemption | $90,000 | $180,000 |
| 2024 | $2,482.00 | ||
| 2023 | $2,482.00 Homeowner's exemption | $72,600 | $145,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 109 Osburn 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.
The area around 109 Osburn St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 587 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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