Shiawassee County property record for 1104 Harding Ave, Owosso, MI 48867
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,592 sqft · built 1950 |
| Lot Size | 0.34 acres (14,810 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $2,688 (2025) |
| Deeds & Mortgages | May 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 050-590-000-001-00 |
| Primary APN | 050-590-000-001-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 1,592 sqft Living Area |
| 1st Floor Area | 792 sqft |
| Basement Area | 792 sqft |
| Unfinished Basement | 792 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1950 |
| Architectural Style | Ranch |
| Lot Area | 14,810 sqft (0.34 acres) |
| Garage Area | 728 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 1104 HARDING AVE |
|---|---|
| City | OWOSSO |
| State | MI |
| Zip | 48867-4913 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 1 STEWART HOMESTEAD SUBDIVISION |
| Legal Subdivision | STEWART HOMESTEAD SUBDIVISION |
| Legal Lot Number | 1 |
| Jurisdiction | SHIAWASSEE MI |
| Township / Civil Division | OWOSSO |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 30400 |
1104 Harding Ave is owned and occupied by an individual.
Source: Shiawassee County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1104 HARDING AVE, OWOSSO, MI 48867-4913 |
| 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 | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHIAWASSEE MI |
| Property Address | 1104 HARDING AVE, OWOSSO, MI 48867-4913 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0012340826 |
|---|---|
| Date | May 25, 2017 |
| Book Page | 1234/0826 |
| Instrument | 3298134 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Amount | Amount on Record |
|---|---|
| Term | 361 Months |
| Due | Jun 1, 2047 |
The 2025 property tax bill for 1104 Harding Ave was $2,688 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 | $91,500 (+6.15%) | $183,000 (+6.15%) | |
| 2025 | $2,688.00 Homeowner's exemption | $86,200 | $172,400 |
| 2023 | $2,238.00 Homeowner's exemption | $70,800 | $141,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1104 Harding Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 4 in force |
| Nearby Flood Claims | 2 (1981–1995) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Jul 1995 · rainfall accumulation |
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 1104 Harding Ave 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 96% of the US · lower than 91% 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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