Shiawassee County property record for 1319 S Cedar St, Owosso, MI 48867
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 1,440 sqft · built 1945 |
| Lot Size | 0.35 acres (15,246 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,599 (2025) |
| Deeds & Mortgages | Jul 2026 Line of Credit Sep 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 050-270-000-163-00 |
| Primary APN | 050-270-000-163-00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 1,440 sqft Living Area |
| 1st Floor Area | 672 sqft |
| Year Built | Built 1945 |
|---|---|
| Effective Year Built | Effective 1945 |
| Architectural Style | Custom Design |
| Lot Area | 15,246 sqft (0.35 acres) |
| Garage Area | 1,250 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 1319 S CEDAR ST |
|---|---|
| City | OWOSSO |
| State | MI |
| Zip | 48867-4226 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOTS 38 39 40 GRAND VIEW ADD INCL 12 ADJ CLSD ALLEY |
| Legal Subdivision | GRAND VIEW ADD |
| Legal Lot Number | 38-40 |
| Jurisdiction | SHIAWASSEE MI |
| Township / Civil Division | OWOSSO |
| Census Block Group | 1 |
| Census Block | 1020 |
| Census Tract | 30800 |
1319 S Cedar St is owned and occupied by two individuals.
Source: Shiawassee County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1319 S CEDAR ST, OWOSSO, MI 48867-4226 |
| 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 |
|---|---|
| Jul 9, 2026 | Deed of Trust, Mortgage · Line of Credit UNITED FINANCIAL CREDIT UNION |
| Sep 29, 2020 | Deed of Trust, Mortgage · Conventional Mortgage UNITED FINANCIAL CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHIAWASSEE MI |
| Recording Date | Jul 9, 2026 |
| Property Address | 1319 S CEDAR ST, OWOSSO, MI 48867-4226 |
| Document Number | 0003404967 |
| Book / Page | 1340 / 369 |
| Instrument Date | Jul 2, 2026 |
| Instrument | 20263404967 |
| Transaction Type | Mortgage |
| Record Updated | Jul 28, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 1319 S CEDAR ST, OWOSSO, MI 48867-4226 |
| Document Number | 0003404967, |
|---|---|
| Date | Jul 9, 2026 |
| Book Page | 1340/369 |
| Instrument | 20263404967 |
| Name | UNITED FINANCIAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Aug 25, 2046 |
| Rate | 6.48% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHIAWASSEE MI |
| Property Address | 1319 S CEDAR ST, OWOSSO, MI 48867-4226 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | CISLO TITLE CO |
| Name | Verified Name |
|---|---|
| Address | 1319 S CEDAR ST, OWOSSO, MI 48867-4226 |
| Document Number | 0012730450 |
|---|---|
| Date | Sep 29, 2020 |
| Book Page | 1273/450 |
| Instrument | 3337133 |
| Name | UNITED FINANCIAL CU |
|---|---|
| Type | Credit Union |
| Address | SAGINAW, MI 48603 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Oct 1, 2035 |
The 2025 property tax bill for 1319 S Cedar St was $2,599 with a homeowner's exemption.
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 | $79,000 (+8.52%) | $158,000 (+8.52%) | |
| 2025 | $2,599.00 Homeowner's exemption | $72,800 | $145,600 |
| 2023 | $2,536.00 Homeowner's exemption | $60,100 | $120,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1319 S Cedar St in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1981.
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 | 2 in force |
| Nearby Flood Claims | 5 (1981–1985) |
| Most Recent Claim | Feb 1985 · tidal / storm surge |
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 risk around 1319 S Cedar St is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 91% 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.
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 347 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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