Shiawassee County property record for 1126 Harding Ave, Owosso, MI 48867
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,098 sqft · built 1900 |
| Lot Size | 0.54 acres (23,522 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $210,000 (Nov 2022) |
| Tax Bill | $3,796 (2025) |
| Deeds & Mortgages | Apr 2026 Mortgage Oct 2022 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 050-590-000-009-00 |
| Primary APN | 050-590-000-009-00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 2,098 sqft Living Area |
| 1st Floor Area | 1,408 sqft |
| Basement Area | 1,152 sqft |
| Unfinished Basement | 1,152 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Custom Design |
| Lot Area | 23,522 sqft (0.54 acres) |
| Garage Area | 312 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 1126 HARDING AVE |
|---|---|
| City | OWOSSO |
| State | MI |
| Zip | 48867-4913 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 9 & E 12 LOT 10 STEWART HOMESTEAD SUBDIV |
| Legal Subdivision | STEWART HOMESTEAD SUBDIV |
| Legal Lot Number | 9-10 |
| Jurisdiction | SHIAWASSEE MI |
| Township / Civil Division | OWOSSO |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 30400 |
Source: Shiawassee County records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1126 HARDING AVE, OWOSSO, MI 48867-4913 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 13, 2026 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Oct 28, 2022 | Deed of Trust, Mortgage · Conventional Mortgage LEGEND LENDING CORP |
| Nov 2, 2022 | Intrafamily Transfer, Transfer DREAM TITLE AND ESCROW AGENCY, DREAM TITLE AND ESCROW AGCY |
| Nov 16, 2022 | Warranty Deed, Transfer MASON BURGESS TITLE AGENCY |
| Nov 16, 2022 | Intrafamily Transfer, Transfer MASON BURGESS TITLE AGENCY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 16, 2022 · Amount on File |
| Deed Sale | Nov 16, 2022 · Amount on File |
| Deed Document Number | 20223366271 |
| Deed Book / Page | 1302 / 254 |
| Prior Transfer Date | Oct 18, 2022 |
| Prior Transfer Doc | 0013020253 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHIAWASSEE MI |
| Recording Date | Apr 13, 2026 |
| Property Address | 1126 HARDING AVE, OWOSSO, MI 48867-4913 |
| Document Number | 0003401486 |
| Book / Page | 1336 / 925 |
| Instrument Date | Apr 3, 2026 |
| Instrument | 20263401486 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 1126 HARDING AVE, OWOSSO, MI 48867-4913 |
| Document Number | 0003401486, |
|---|---|
| Date | Apr 13, 2026 |
| Book Page | 1336/925 |
| Instrument | 20263401486 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 276 Months |
| Due | Apr 1, 2049 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHIAWASSEE MI |
| Property Address | 1126 HARDING AVE, OWOSSO, MI 48867-4913 |
| Transaction Type | Mortgage |
| Record Updated | Jan 19, 2023 |
| Name | Verified Name |
|---|---|
| Address | 1126 HARDING AVE, OWOSSO, MI 48867-4913 |
| Document Number | 0013010749 |
|---|---|
| Date | Oct 28, 2022 |
| Book Page | 1301/749 |
| Instrument | 3365754 |
| Name | LEGEND LENDING CORP |
|---|---|
| Type | Mortgage Company |
| Address | HOUSTON, TX 77058 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2052 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SHIAWASSEE MI |
| Recording Date | Nov 2, 2022 |
| Property Address | 1126 HARDING AVE, OWOSSO, MI 48867-4913 |
| Document Number | 0013010843 |
| Book / Page | 1301 / 843 |
| Instrument Date | Oct 24, 2022 |
| Instrument | 3365848 |
| Transaction Type | Transfer |
| Record Updated | Jan 19, 2023 |
| Title Company | DREAM TITLE AND ESCROW AGENCY, DREAM TITLE AND ESCROW AGCY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 308, OWOSSO, MI 48867-0308 |
| Name | Verified Name |
|---|---|
| Address | 735 LINGLE AVE, OWOSSO, MI 48867-4527 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SHIAWASSEE MI |
| Recording Date | Nov 16, 2022 |
| Property Address | 1126 HARDING AVE, OWOSSO, MI 48867-4913 |
| Document Number | 0013020254 |
| Book / Page | 1302 / 254 |
| Map Reference | LB 12 PG 198 |
| Instrument Date | Oct 24, 2022 |
| Instrument | 3366271 |
| Transaction Type | Transfer |
| Record Updated | Jan 19, 2023 |
| Title Company | MASON BURGESS TITLE AGENCY |
| Amount | Amount on Record |
|---|---|
| Tax | $1,575.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 308, OWOSSO, MI 48867-0308 |
| Name | Verified Name |
|---|---|
| Address | 735 LINGLE AVE, OWOSSO, MI 48867-4527 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SHIAWASSEE MI |
| Recording Date | Nov 16, 2022 |
| Property Address | 1126 HARDING AVE, OWOSSO, MI 48867-4913 |
| Document Number | 0013020253 |
| Book / Page | 1302 / 253 |
| Instrument Date | Oct 18, 2022 |
| Instrument | 3366270 |
| Transaction Type | Transfer |
| Record Updated | Jan 19, 2023 |
| Title Company | MASON BURGESS TITLE AGENCY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 495 BUTTONWOOD DR, MERRITT ISLAND, FL 32953-4689 |
| Name | Verified Name |
|---|---|
| Address | 1126 HARDING AVE, OWOSSO, MI 48867-4913 |
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 | $107,900 (+7.68%) | $215,800 (+7.68%) | |
| 2025 | $3,796.00 (+4.92%) Homeowner's exemption | $100,200 (+20.87%) | $200,400 (+20.87%) |
| 2024 | $3,618.00 | ||
| 2023 | $3,618.00 Homeowner's exemption | $82,900 | $165,800 |
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.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 93% 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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