Shiawassee County property record for 1108 Ryan St, Owosso, MI 48867
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,848 sqft · built 1996 |
| Lot Size | 0.52 acres (22,651 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $75,000 (Jun 2016) |
| Tax Bill | $2,299 (2025) |
| Deeds & Mortgages | Jul 2026 Mortgage Sep 2025 Mortgage + 2 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 050-113-006-005-00 |
| Primary APN | 050-113-006-005-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,848 sqft Living Area |
| 1st Floor Area | 1,848 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Architectural Style | Ranch |
| Lot Area | 22,651 sqft (0.52 acres) |
| Lot Dimensions | 240 ft deep x 95.1 ft wide |
| Garage Area | 768 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 1108 RYAN ST |
|---|---|
| City | OWOSSO |
| State | MI |
| Zip | 48867-3442 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PRT OF LOTS 1 & 5 BLK 6 CITY ASSESSOR'S PLAT #3 DESCR AS BEG AT A PT 78' E OF SW COR SD LOT 5 N 186.5' N3820' E 94.3' S1250'5 |
| Legal Subdivision | ASSESSORS 3 -CITY OF OWOSSO |
| Legal Block | 6 |
| Legal Lot Number | 1,5 |
| Jurisdiction | SHIAWASSEE MI |
| Township / Civil Division | OWOSSO |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 30700 |
Source: Shiawassee County records, as of October 20, 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 Record |
|---|---|
| Mailing Address | 1108 RYAN ST, OWOSSO, MI 48867-3442 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 28, 2026 | Deed of Trust, Mortgage · VA Mortgage IMPERIAL LENDING LLC |
| Sep 18, 2025 | Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE |
| Aug 7, 2023 | Deed of Trust, Mortgage · VA Mortgage CARDINAL FINANCIAL COMPANY LP |
| Jun 28, 2018 | Deed of Trust, Mortgage · Conventional Mortgage LAKE TR CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 28, 2016 · Amount on Record |
| Deed Sale | Jun 28, 2016 · Amount on Record |
| Deed Document Number | 20163287289 |
| Deed Book / Page | 1224 / 34 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHIAWASSEE MI |
| Recording Date | Jul 28, 2026 |
| Property Address | 1108 RYAN ST, OWOSSO, MI 48867-3442 |
| Document Number | 0003405595 |
| Book / Page | 1340 / 981 |
| Instrument Date | Jun 22, 2026 |
| Instrument | 20263405595 |
| Transaction Type | Mortgage |
| Record Updated | Aug 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 1108 RYAN ST, OWOSSO, MI 48867-3442 |
| Document Number | 0003405595, |
|---|---|
| Date | Jul 28, 2026 |
| Book Page | 1340/981 |
| Instrument | 20263405595 |
| Name | IMPERIAL LENDING LLC |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHIAWASSEE MI |
| Property Address | 1108 RYAN ST, OWOSSO, MI 48867-3442 |
| Transaction Type | Mortgage |
| Record Updated | Oct 1, 2025 |
| Title Company | PARTNERS TITLE AGENCY LLC, PARTNERS TITLE INS AGCY LLC |
| Name | Verified Name |
|---|---|
| Address | 1108 RYAN ST, OWOSSO, MI 48867-3442 |
| Document Number | 0013310156 |
|---|---|
| Date | Sep 18, 2025 |
| Book Page | 1331/156 |
| Instrument | 3395617 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHIAWASSEE MI |
| Property Address | 1108 RYAN ST, OWOSSO, MI 48867-3442 |
| Transaction Type | Mortgage |
| Record Updated | Aug 28, 2023 |
| Name | Verified Name |
|---|---|
| Address | 1108 RYAN ST, OWOSSO, MI 48867-3442 |
| Document Number | 0013090532 |
|---|---|
| Date | Aug 7, 2023 |
| Book Page | 1309/532 |
| Instrument | 3373681 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28273 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHIAWASSEE MI |
| Property Address | 1108 RYAN ST, OWOSSO, MI 48867-3442 |
| Document Number | 0012470714 |
| Instrument Date | Jun 28, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jul 24, 2018 |
| Name | Verified Name |
|---|---|
| Address | 1108 RYAN ST OWOSSO MI 488673442, OWOSSO, MI 48867-3442 |
| Document Number | 0012470714 |
|---|---|
| Date | Jul 5, 2018 |
| Book Page | 001247/000714 |
| Instrument | 3311087 |
| Name | LAKE TR CU |
|---|---|
| Type | Funding / Finance Company |
| Address | BRIGHTON, MI 48114 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jul 4, 2033 |
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 | $70,200 (+9.69%) | $140,400 (+9.69%) | |
| 2025 | $2,299.00 (+2.82%) Homeowner's exemption | $64,000 (+21.21%) | $128,000 (+21.21%) |
| 2023 | $2,236.00 Homeowner's exemption | $52,800 | $105,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 35 policies |
| 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 Event |
|
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.
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 379 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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