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118 Clover Brook Dr, Owosso, MI 48867 Property Records

Shiawassee County property record for 118 Clover Brook Dr, Owosso, MI 48867

Property Summary

Property TypeSingle Family Home
Lot Size0.631 acres (27,508 sqft)
Owner2 Individual Names on Record
Last Sale$305,000 (Apr 2019)
Tax Bill$5,009 (2025)
Deeds & MortgagesMar 2020 Mortgage
Apr 2019 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN006-39-069-000

Property Details

APN / Parcel Number

Primary APN006-39-069-000
Alternative APN
  • 0063906900000

Exterior

Lot Area27,508 sqft (0.631 acres)

Location & Zoning

Street Address118 CLOVER BROOK DR
CityOWOSSO
StateMI
Zip48867-1077
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionARDELEAN THREE OAKS NO 2 OWOSSO TWP LOT 69
Legal SubdivisionARDELEAN THREE OAKS 2
Legal Lot Number69
JurisdictionSHIAWASSEE MI
Township / Civil DivisionOWOSSO
Census Block Group3
Census Block3019
Census Tract30300

Owner

Source: Shiawassee County records, as of July 16, 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 Record2 Individual Names on Record
Mailing Address118 CLOVER BROOK DR, OWOSSO, MI 48867-1077
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Mar 31, 2020Deed of Trust, Mortgage · Conventional with PMI
OTHER INSTITUTIONAL LENDERS
Apr 1, 2019Warranty Deed, Transfer · Conventional Mortgage
OTHER INSTITUTIONAL LENDERS

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleApr 1, 2019 · Amount on Record
Deed SaleApr 1, 2019 · Amount on Record
Record UpdatedSep 20, 2026

March 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSHIAWASSEE MI
Property Address118 CLOVER BROOK DR, OWOSSO, MI 48867-1077
Document Number0012680257
Instrument DateMar 31, 2020
Transaction TypeMortgage
Record UpdatedJun 12, 2020
Title CompanyCISLO TITLE, CISLO TITLE CO

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address118 CLOVER BROOK DR OWOSSO MI 488671077, OWOSSO, MI 48867-1077

Mortgage

Document Number0012680257
DateApr 15, 2020
Book Page001268/000257
Instrument3331899
Lender
NameOTHER INSTITUTIONAL LENDERS
TypeBank
AddressSTERLING HEIGHTS, MI 48314
Agreement
TypeConventional with PMI
AmountAmount Recorded
Term360 Months
DueApr 14, 2050

April 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSHIAWASSEE MI
Recording DateApr 1, 2019
Property Address118 CLOVER BROOK DR, OWOSSO, MI 48867-1077
Document Number0012550300
Book / Page001255 / 000300
Instrument DateMar 27, 2019
Instrument3318811
Transaction TypeTransfer
Record UpdatedApr 23, 2019
Title CompanyATA NATIONAL TITLE GROUP LLC, ATA NAT'L TITLE GROUP LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,287.50
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address118 CLOVER BROOK DR OWOSSO MI 488671077, OWOSSO, MI 48867-1077

Mortgage

Document Number12550301
DateApr 1, 2019
Book Page001255/000301
Instrument3318812
Lender
NameOTHER INSTITUTIONAL LENDERS
TypeBank
AddressSTERLING HEIGHTS, MI 48314
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueMar 31, 2049

Tax Assessment & Valuation

Source: Shiawassee County assessment roll, as of July 16, 2026

Property Jurisdictions

TypeName
StateMichigan
CountyShiawassee County
County SubdivisionOwosso Charter Township
Unified School DistrictOwosso Public Schools (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$231,500 (+17.33%)$463,000 (+17.33%)
2025$5,009.00 (+2.69%) Homeowner's exemption$197,300 (+12.81%)$394,600 (+12.81%)
2024$4,878.00 (+5.58%)
2023$4,620.00 Homeowner's exemption$174,900$349,800

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective April 12, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies1 in force
Nearby Flood Claims1 (2008)
Claims Outside the SFHA1 of 1
Most Recent ClaimDec 2008 · 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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 99.1% of the US · lower than 98.4% of Michigan
Wildfire LikelihoodUnder 0.01% annual chance
ExposureDirect
burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemCITY OF OWOSSO
serves 16,353 people · EPA ID MI0005120
Water SourceSurface water
Last State InspectionOct 2024
Lead9 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureColiform assessment
Nov 2022
Monitoring and Reporting2
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 22 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
DayStarr
Fiber		2,500 / 2,500
Spectrum
Cable		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20
AT&T
Fixed Wireless		100 / 20

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