1220 E Oliver St, Owosso, MI 48867 Property Records

Shiawassee County property record for 1220 E Oliver St, Owosso, MI 48867

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,904 sqft · built 1995
Lot Size	1.54 acres (67,082 sqft)
Owner	2 Individual Names on File
Tax Bill	$4,198 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Jul 2020 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`007-18-400-017-01`

Property Details

APN / Parcel Number

Primary APN	`007-18-400-017-01`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,904 sqft Heated Area
1st Floor Area	1,904 sqft
Basement Area	1,736 sqft
Game Room	Game Room

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Exterior Material	Aluminum/Vinyl
Foundation Type	No Foundation
Lot Area	67,082 sqft (1.54 acres)
Lot Dimensions	291 ft deep x 225 ft wide
Garage Area	784 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1220 E OLIVER ST
City	OWOSSO
State	MI
Zip	48867-9695
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SEC. 18 T7N R3E. PT OF SE 14 COM AT A PT ON CLN OF OLIVER ST WHICH IS N0000'00!E 1425.67 FT & S8734'47!E ON CLN OF OLIVER ST
Legal Range	03E
Legal Township	07N
Legal Section	18
Jurisdiction	SHIAWASSEE MI
Township / Civil Division	CALEDONIA
Census Block Group	1
Census Block	1034
Census Tract	31700

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	1220 E OLIVER ST, OWOSSO, MI 48867-9695
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage LAKE MICHIGAN CU
Jul 7, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Aug 6, 2019	Warranty Deed, Transfer · Conventional with PMI LAKE MI CU

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Transfer Date	Jul 6, 2020
Transfer Doc	0012700574
Record Updated	Sep 20, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHIAWASSEE MI
Property Address	1220 E OLIVER ST, OWOSSO, MI 48867-9695
Transaction Type	Mortgage
Record Updated	Nov 13, 2023
Title Company	ATA NATIONAL TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1220 E OLIVER ST, OWOSSO, MI 48867-9695

Mortgage

Document Number	0012880321
Date	Oct 8, 2021
Book Page	1288/321
Instrument	3352132

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union
Address	GRAND RAPIDS, MI 49501

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SHIAWASSEE MI
Recording Date	Jul 7, 2020
Property Address	1220 E OLIVER ST, OWOSSO, MI 48867-9695
Document Number	0012700574
Book / Page	001270 / 000574
Instrument Date	Jul 6, 2020
Instrument	3334215
Transaction Type	Transfer
Record Updated	Aug 31, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1220 E OLIVER ST OWOSSO MI 488679695, OWOSSO, MI 48867-9695

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHIAWASSEE MI
Recording Date	Aug 6, 2019
Property Address	1220 E OLIVER ST, OWOSSO, MI 48867-9695
Document Number	0012590716
Book / Page	001259 / 000716
Instrument Date	Jul 30, 2019
Instrument	3323281
Transaction Type	Transfer
Record Updated	Aug 22, 2019
Title Company	DIVERSIFIED NATIONAL TITLE, DIVERSIFIED NAT'L TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,987.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1220 OLIVER ST OWOSSO MI 48867, OWOSSO, MI 48867

Mortgage

Document Number	12590717
Date	Aug 6, 2019
Book Page	001259/000717
Instrument	3323282

Lender

Name	LAKE MI CU
Type	Credit Union
Address	GRAND RAPIDS, MI 49501

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Aug 5, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Michigan
County	Shiawassee County
County Subdivision	Caledonia Charter Township
Unified School District	Owosso Public Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$206,700 (+4.66%)	$413,400 (+4.66%)
2025	$4,198.00 (+2.37%) Homeowner's exemption	$197,500 (+22.98%)	$395,000 (+22.98%)
2024	$4,101.00
2023	$4,101.00 Homeowner's exemption	$160,600	$321,200

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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 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.

Wildfire

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.4% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 86 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 / 35
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile USA.

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