Shiawassee County property record for 123 Clover Brook Dr, Owosso, MI 48867
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.819 acres (35,686 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $425,000 (Aug 2024) |
| Tax Bill | $5,597 (2025) |
| Deeds & Mortgages | Apr 2024 Line of Credit Feb 2024 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 006-39-048-000 |
| Primary APN | 006-39-048-000 |
|---|---|
| Alternative APN |
|
| Lot Area | 35,686 sqft (0.819 acres) |
|---|
| Street Address | 123 CLOVER BROOK DR |
|---|---|
| City | OWOSSO |
| State | MI |
| Zip | 48867-1078 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ARDELEAN THREE OAKS NO 2 - OWOSSO TWP LOT 48 |
| Legal Subdivision | PLAT OF ARDELEAN THREE OAKS #2 |
| Legal Lot Number | 48 |
| Jurisdiction | SHIAWASSEE MI |
| Township / Civil Division | OWOSSO |
| Census Block Group | 3 |
| Census Block | 3018 |
| Census Tract | 30300 |
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 Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 123 CLOVER BROOK DR, OWOSSO, MI 48867-1078 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 3, 2024 | Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK |
| Feb 2, 2024 | Intrafamily Transfer, Transfer MICHIGAN LAND TITLE, MICHIGAN LAND TTL STANDARDS |
| May 25, 2022 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage THE HUNTINGTON NATIONAL BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 21, 2024 · Amount on Record |
| Deed Sale | Aug 21, 2024 · Amount on Record |
| Prior Sale | Aug 6, 2004 · Amount on Record |
| Deed Document Number | 20243384201 |
| Deed Book / Page | 1319 / 917 |
| Prior Transfer Date | Jan 29, 2024 |
| Prior Transfer Doc | 0013140024 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHIAWASSEE MI |
| Property Address | 123 CLOVER BROOK DR, OWOSSO, MI 48867-1078 |
| Transaction Type | Mortgage |
| Record Updated | Apr 30, 2024 |
| Name | Verified Name |
|---|---|
| Address | 123 CLOVER BROOK DR, OWOSSO, MI 48867-1078 |
| Document Number | 0013160099 |
|---|---|
| Date | Apr 3, 2024 |
| Book Page | 1316/99 |
| Instrument | 3380345 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | 5555 CLEVELAND AVE, COLUMBUS, OH 43231 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Mar 20, 2054 |
| Change Frequency | Monthly |
|---|
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SHIAWASSEE MI |
| Recording Date | Feb 2, 2024 |
| Property Address | 123 CLOVER BROOK DR, OWOSSO, MI 48867-1078 |
| Document Number | 0013140024 |
| Book / Page | 1314 / 24 |
| Map Reference | LB 14 PG 300 |
| Instrument Date | Jan 29, 2024 |
| Instrument | 3378271 |
| Transaction Type | Transfer |
| Record Updated | Feb 23, 2024 |
| Title Company | MICHIGAN LAND TITLE, MICHIGAN LAND TTL STANDARDS |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 123 CLOVER BROOK DR, OWOSSO, MI 48867-1078 |
| Name | Verified Name |
|---|---|
| Address | 123 CLOVER BROOK DR, OWOSSO, MI 48867-1078 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHIAWASSEE MI |
| Property Address | 123 CLOVER BROOK DR, OWOSSO, MI 48867-1078 |
| Transaction Type | Mortgage |
| Record Updated | Jun 6, 2022 |
| Name | Verified Name |
|---|---|
| Address | 123 CLOVER BROOK DR, OWOSSO, MI 48867-1078 |
| Document Number | 0012960983 |
|---|---|
| Date | May 25, 2022 |
| Book Page | 1296/983 |
| Instrument | 3360909 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43231 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Shiawassee County assessment roll, as of July 16, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Shiawassee County |
| County Subdivision | Owosso Charter Township |
| Unified School District | Owosso Public Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $225,100 (+16.75%) | $450,200 (+16.75%) | |
| 2025 | $5,597.00 (+65.4%) Homeowner's exemption | $192,800 (+47.4%) | $385,600 (+47.4%) |
| 2024 | $3,384.00 (+6.85%) | ||
| 2023 | $3,167.00 Homeowner's exemption | $130,800 | $261,600 |
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 | 1 in force |
| Nearby Flood Claims | 1 (2008) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Dec 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 95% 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 22 locations within half a mile, as of December 31, 2025
| Provider | Max 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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