Shiawassee County property record for 1206 N Water St, Owosso, MI 48867
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 996 sqft · built 1945 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Individual Name on File |
| Last Sale | $101,000 (Jul 2005) |
| Tax Bill | $2,382 (2025) |
| Deeds & Mortgages | Feb 2026 Mortgage Feb 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 050-390-005-002-00 |
| Primary APN | 050-390-005-002-00 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 996 sqft Living Area |
| 1st Floor Area | 996 sqft |
| Basement Area | 996 sqft |
| Unfinished Basement | 996 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1945 |
|---|---|
| Effective Year Built | Effective 1945 |
| Lot Area | 8,712 sqft (0.2 acres) |
| Garage Area | 330 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 1206 N WATER ST |
|---|---|
| City | OWOSSO |
| State | MI |
| Zip | 48867-1738 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 2 BLK 5 INCLUDING ADJ 12 OF THE VACATED ALLEY J H LAVEROCKS ADD |
| Legal Subdivision | J H LAVEROCKS ADD |
| Legal Block | 5 |
| Legal Lot Number | 2 |
| Jurisdiction | SHIAWASSEE MI |
| Township / Civil Division | OWOSSO |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 30400 |
1206 N Water St is owned and occupied by an individual who acquired it in February 2015.
Source: Shiawassee County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1206 N WATER ST, OWOSSO, MI 48867-1738 |
| 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 |
|---|---|
| Feb 23, 2026 | Deed of Trust, Mortgage · Conventional Mortgage LEGACY MORTGAGE |
| Feb 26, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CASON HOME LOANS |
| Sep 9, 2019 | Warranty Deed, Transfer CASON HM LNS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 7, 2005 · Amount on File |
| Deed Sale | Jul 7, 2005 · Amount on File |
| Deed Document Number | 20053143571 |
| Deed Book / Page | 1081 / 524 |
| Last Transfer Date | Feb 11, 2015 |
| Transfer Doc | 0012070273 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHIAWASSEE MI |
| Property Address | 1206 N WATER ST, OWOSSO, MI 48867-1738 |
| Transaction Type | Mortgage |
| Record Updated | Mar 6, 2026 |
| Name | Verified Name |
|---|---|
| Address | 1206 N WATER ST, OWOSSO, MI 48867-1738 |
| Investor | Possibly a Property Investor |
| Document Number | 0013350512 |
|---|---|
| Date | Feb 23, 2026 |
| Book Page | 1335/512 |
| Instrument | 3400069 |
| Name | LEGACY MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | GRAND BLANC, MI 48439 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHIAWASSEE MI |
| Property Address | 1206 N WATER ST, OWOSSO, MI 48867-1738 |
| Transaction Type | Mortgage |
| Record Updated | Mar 16, 2021 |
| Title Company | MASON BURGESS TITLE AGENCY |
| Name | Verified Name |
|---|---|
| Address | 1206 N WATER ST, OWOSSO, MI 48867-1738 |
| Document Number | 0012790053 |
|---|---|
| Date | Feb 26, 2021 |
| Book Page | 1279/53 |
| Instrument | 3342816 |
| Name | CASON HOME LOANS |
|---|---|
| Type | Mortgage Company |
| Address | NORTH PALM BEACH, FL 33408 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SHIAWASSEE MI |
| Recording Date | Sep 9, 2019 |
| Property Address | 1206 N WATER ST, OWOSSO, MI 48867-1738 |
| Document Number | 0012600928 |
| Book / Page | 001260 / 000928 |
| Instrument Date | Sep 5, 2019 |
| Instrument | 3324495 |
| Transaction Type | Transfer |
| Record Updated | Sep 25, 2019 |
| Title Company | ATA NATIONAL TITLE GROUP LLC, ATA NAT'L TITLE GROUP LLC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $757.50 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 10940 GARRISON RD DURAND MI 484291831, DURAND, MI 48429-1831 |
| Document Number | 12600929 |
|---|---|
| Date | Sep 9, 2019 |
| Book Page | 001260/000929 |
| Instrument | 3324496 |
| Name | CASON HM LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | PALM BEACH GARDENS, FL 33408 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Sep 8, 2049 |
The 2025 property tax bill for 1206 N Water St was $2,382 with a homeowner's exemption, up 4.9% 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 | $79,100 (+8.36%) | $158,200 (+8.36%) | |
| 2025 | $2,382.00 (+4.93%) Homeowner's exemption | $73,000 | $146,000 |
| 2024 | $2,270.00 | ||
| 2023 | $2,270.00 Homeowner's exemption | $59,100 | $118,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1206 N Water St in Zone X, an area of minimal flood risk.
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 |
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 1206 N Water 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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