Shiawassee County property record for 1115 Adams St, Owosso, MI 48867
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,682 sqft · built 1930 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Individual Name on File |
| Last Sale | $132,500 (Apr 2018) |
| Tax Bill | $3,150 (2025) |
| Deeds & Mortgages | Nov 2025 Mortgage Oct 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 050-390-003-009-00 |
| Primary APN | 050-390-003-009-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 1,682 sqft Living Area |
| 1st Floor Area | 862 sqft |
| Basement Area | 820 sqft |
| Unfinished Basement | 820 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1930 |
| Architectural Style | Custom Design |
| Lot Area | 8,712 sqft (0.2 acres) |
| Garage Area | 360 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 1115 ADAMS ST |
|---|---|
| City | OWOSSO |
| State | MI |
| Zip | 48867-1652 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | E 132' LOT 9 BLK 3 J H LAVEROCKS ADD |
| Legal Subdivision | J H LAVEROCKS ADD |
| Legal Block | 3 |
| Legal Lot Number | 9 |
| Jurisdiction | SHIAWASSEE MI |
| Township / Civil Division | OWOSSO |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 30400 |
1115 Adams St is owned and occupied by an individual who bought it in April 2018.
Source: Shiawassee County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1115 ADAMS ST, OWOSSO, MI 48867-1652 |
| 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 |
|---|---|
| Nov 10, 2025 | Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC |
| Oct 20, 2022 | Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC |
| Apr 16, 2018 | Warranty Deed, Transfer · FHA Mortgage METRO MORTGAGE CO |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 16, 2018 · Amount on File |
| Deed Sale | Apr 16, 2018 · Amount on File |
| Deed Document Number | 20183308702 |
| Deed Book / Page | 1245 / 333 |
| Prior Transfer Date | Jan 16, 2004 |
| Prior Transfer Doc | 0003116177 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHIAWASSEE MI |
| Property Address | 1115 ADAMS ST, OWOSSO, MI 48867-1652 |
| Transaction Type | Mortgage |
| Record Updated | Nov 25, 2025 |
| Name | Verified Name |
|---|---|
| Address | 1115 ADAMS ST, OWOSSO, MI 48867-1652 |
| Document Number | 0013320730 |
|---|---|
| Date | Nov 10, 2025 |
| Book Page | 1332/730 |
| Instrument | 3397225 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHIAWASSEE MI |
| Property Address | 1115 ADAMS ST, OWOSSO, MI 48867-1652 |
| Transaction Type | Mortgage |
| Record Updated | Nov 11, 2022 |
| Name | Verified Name |
|---|---|
| Address | 1115 ADAMS ST, OWOSSO, MI 48867-1652 |
| Document Number | 0013010487 |
|---|---|
| Date | Oct 20, 2022 |
| Book Page | 1301/487 |
| Instrument | 3365484 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SHIAWASSEE MI |
| Recording Date | Apr 16, 2018 |
| Property Address | 1115 ADAMS ST, OWOSSO, MI 48867-1652 |
| Document Number | 0012450333 |
| Book / Page | 1245 / 333 |
| Instrument Date | Apr 9, 2018 |
| Instrument | 3308702 |
| Transaction Type | Transfer |
| Record Updated | May 25, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1192 GROVER ST, OWOSSO, MI 48867-3200 |
| Document Number | 0012450334 |
|---|---|
| Date | Apr 16, 2018 |
| Book Page | 1245/334 |
| Instrument | 3308703 |
| Name | METRO MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 349 Months |
| Due | May 1, 2047 |
The 2025 property tax bill for 1115 Adams St was $3,150 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 | $112,200 (+8.41%) | $224,400 (+8.41%) | |
| 2025 | $3,150.00 Homeowner's exemption | $103,500 | $207,000 |
| 2023 | $3,003.00 Homeowner's exemption | $83,600 | $167,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1115 Adams St in Zone X, an area of minimal flood risk, though there have been 2 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 | 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.
The area around 1115 Adams 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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