1265 Ada St, Owosso, MI 48867 Property Records

Shiawassee County property record for 1265 Ada St, Owosso, MI 48867

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,640 sqft · built 1978
Lot Size	0.36 acres (15,682 sqft)
Owner	2 Individual Names on Record
Last Sale	$600,000 (Aug 2026)
Tax Bill	$6,300 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Jul 2020 Transfer + 1 more
Flood Zone	Zone X (moderate risk)
APN	`050-536-000-045-00`

Property Details

APN / Parcel Number

Primary APN	`050-536-000-045-00`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Building Area	2,640 sqft Living Area
1st Floor Area	1,749 sqft
Basement Area	1,749 sqft
Unfinished Basement	1,749 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Custom Design
Lot Area	15,682 sqft (0.36 acres)
Garage Area	1,478 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	1265 ADA ST
City	OWOSSO
State	MI
Zip	48867-1664
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM ON N LN SEC 13 T7N R2E AT A PT 330' W OF N 14 POST TH S 105' W TO SHIA RIV N TO N LN OF SEC 13 TH E TO BEG (EX E 33' THER
Legal Range	02E
Legal Township	07N
Legal Section	13
Jurisdiction	SHIAWASSEE MI
Township / Civil Division	OWOSSO
Census Block Group	2
Census Block	2002
Census Tract	30400

Owner

Source: Shiawassee County records, as of October 20, 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 Record
Mailing Address	721 LEE ST, OWOSSO, MI 48867-2213
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Aug 7, 2026	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE 1 INCORPORATED
Jul 29, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
May 16, 2019	Deed of Trust, Mortgage · Conventional Mortgage EASTERN DISTRICT/MI

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 7, 2026 · Amount on Record
Deed Sale	Aug 7, 2026 · Amount on Record
Deed Document Number	20263405893
Deed Book / Page	1341 / 279
Prior Transfer Date	Mar 20, 2020
Prior Transfer Doc	0012710260
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHIAWASSEE MI
Recording Date	Aug 7, 2026
Property Address	1265 ADA ST, OWOSSO, MI 48867-1664
Document Number	0003405893
Book / Page	1341 / 279
Instrument Date	Jul 30, 2026
Instrument	20263405893
Transaction Type	Transfer
Record Updated	Aug 20, 2026
Title Company	CROSSROADS TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$521,160.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	721 LEE ST, OWOSSO, MI 48867-2213

Mortgage

Document Number	0003405894,
Date	Aug 7, 2026
Instrument	20263405894

Lender

Name	MORTGAGE 1 INCORPORATED

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.49%
Initial Type	Fixed Rate
Max Rate	-1%

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SHIAWASSEE MI
Recording Date	Jul 29, 2020
Property Address	1265 ADA ST, OWOSSO, MI 48867-1664
Document Number	0012710260
Book / Page	001271 / 000260
Instrument Date	Mar 15, 2020
Instrument	3334902
Transaction Type	Transfer
Record Updated	Sep 10, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	1265 ADA ST OWOSSO MI 488671664, OWOSSO, MI 48867-1664

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHIAWASSEE MI
Property Address	1265 ADA ST, OWOSSO, MI 48867-1664
Document Number	0012580683
Instrument Date	May 16, 2019
Transaction Type	Mortgage
Record Updated	Jul 23, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1265 ADA ST OWOSSO MI 488671664, OWOSSO, MI 48867-1664

Mortgage

Document Number	0012580683
Date	Jul 3, 2019
Book Page	001258/000683
Instrument	3322220

Lender

Name	EASTERN DISTRICT/MI
Address	PO BOX 757, ORTONVILLE, MI 48462-0757

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Michigan
County	Shiawassee County
Municipality	Owosso City
Unified School District	Owosso Public Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$262,700 (+9.14%)	$525,400 (+9.14%)
2025	$6,300.00 (+4.91%) Homeowner's exemption	$240,700 (+22.43%)	$481,400 (+22.43%)
2024	$6,005.00
2023	$6,005.00 Homeowner's exemption	$196,600	$393,200

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.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
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.

Wildfire

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	Direct 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 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 167 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 · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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