Shiawassee County property record for 112 N Elm St, Owosso, MI 48867
| Property Type | Single Family Home |
|---|---|
| Details | 6 bd · 2 ba · 3,032 sqft · built 1910 |
| Lot Size | 0.1 acres (4,356 sqft) |
| Owner | Individual Name on File |
| Last Sale | $120,000 (Apr 2024) |
| Tax Bill | $3,258 (2025) |
| Deeds & Mortgages | Jun 2025 Mortgage Apr 2024 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 050-120-008-002-00 |
| Primary APN | 050-120-008-002-00 |
|---|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 3,032 sqft Living Area |
| 1st Floor Area | 1,516 sqft |
| Basement Area | 1,516 sqft |
| Unfinished Basement | 1,516 sqft |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1910 |
| Architectural Style | Custom Design |
| Lot Area | 4,356 sqft (0.1 acres) |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 112 N ELM ST |
|---|---|
| City | OWOSSO |
| State | MI |
| Zip | 48867-2638 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | S 12 LOT 1 BLK 8 LUCY L COMSTOCKS ADD |
| Legal Subdivision | LUCY L COMSTOCKS ADD |
| Legal Block | 8 |
| Legal Lot Number | 1 |
| Jurisdiction | SHIAWASSEE MI |
| Township / Civil Division | OWOSSO |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 30600 |
112 N Elm St is owned and occupied by an individual who bought it in April 2024.
Source: Shiawassee County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 114 N ELM ST, OWOSSO, MI 48867-2638 |
| 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 24, 2025 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Apr 30, 2024 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Aug 13, 2021 | Quit Claim Deed, Transfer Quitclaim |
| Jun 18, 2021 | Warranty Deed, Transfer ATA NATIONAL TITLE GROUP LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 30, 2024 · Amount on File |
| Deed Sale | Apr 30, 2024 · Amount on File |
| Prior Sale | Jun 18, 2021 · Amount on File |
| Deed Document Number | 20243381107 |
| Deed Book / Page | 1316 / 860 |
| Prior Transfer Date | Aug 13, 2021 |
| Prior Transfer Doc | 0012860135 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHIAWASSEE MI |
| Property Address | 112 N ELM ST, OWOSSO, MI 48867-2638 |
| Transaction Type | Mortgage |
| Record Updated | Dec 9, 2025 |
| Title Company | UNKNOWN, ETI |
| Name | Verified Name |
|---|---|
| Address | 114 N ELM ST, OWOSSO, MI 48867-2638 |
| Document Number | 0013280622 |
|---|---|
| Date | Jun 24, 2025 |
| Book Page | 1328/622 |
| Instrument | 3393033 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHIAWASSEE MI |
| Property Address | 112 N ELM ST, OWOSSO, MI 48867-2638 |
| Transaction Type | Mortgage |
| Record Updated | May 21, 2024 |
| Name | Verified Name |
|---|---|
| Address | 112 N ELM ST, OWOSSO, MI 48867-2638 |
| Document Number | 0013160861 |
|---|---|
| Date | Apr 30, 2024 |
| Book Page | 1316/861 |
| Instrument | 3381108 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | 1050 WOODWARD AVE, DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2054 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SHIAWASSEE MI |
| Recording Date | Aug 13, 2021 |
| Property Address | 112 N ELM ST, OWOSSO, MI 48867-2638 |
| Document Number | 0012860135 |
| Book / Page | 1286 / 135 |
| Instrument Date | Aug 13, 2021 |
| Instrument | 3349941 |
| Transaction Type | Transfer |
| Record Updated | Sep 1, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 244 N SMITH RD, 244, OWOSSO, MI 48867-8116 |
| Name | Verified Name |
|---|---|
| Address | 244 N SMITH RD, OWOSSO, MI 48867-8116 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SHIAWASSEE MI |
| Recording Date | Jun 18, 2021 |
| Property Address | 112 N ELM ST, OWOSSO, MI 48867-2638 |
| Document Number | 0012830963 |
| Book / Page | 1283 / 963 |
| Map Reference | LB Y PG 639 |
| Instrument Date | Jun 15, 2021 |
| Instrument | 3347748 |
| Transaction Type | Transfer |
| Record Updated | Jul 5, 2021 |
| Title Company | ATA NATIONAL TITLE GROUP LLC |
| Amount | Amount on Record |
|---|---|
| Tax | $637.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 322 W UNIVERSITY DR, 322, ROCHESTER, MI 48307-1937 |
| Name | Verified Name |
|---|---|
| Address | 244 N SMITH RD, OWOSSO, MI 48867-8116 |
The 2025 property tax bill for 112 N Elm St was $3,258 with a homeowner's exemption, up 6.8% 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 | $65,900 (+3.94%) | $131,800 (+3.94%) | |
| 2025 | $3,258.00 (+6.78%) Homeowner's exemption | $63,400 | $126,800 |
| 2024 | $3,051.00 | ||
| 2023 | $3,051.00 Homeowner's exemption Additional exemption filed | $51,700 | $103,400 |
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 112 N Elm St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2004.
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 | 1 in force |
| Nearby Flood Claims | 1 (2004) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jun 2004 · river or lake flooding |
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 112 N Elm 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 351 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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