138 Clover Brook Dr, Owosso, MI 48867 Property Records

Shiawassee County property record for 138 Clover Brook Dr, Owosso, MI 48867

Property Summary

Property Type	Single Family Home
Lot Size	0.636 acres (27,727 sqft)
Owner	2 Individual Names on File
Tax Bill	$5,152 (2025)
Deeds & Mortgages	Jul 2018 Sale & Mortgage Jul 2018 Transfer
Flood Zone	Zone X (minimal risk)
APN	`006-39-064-000`

Property Details

APN / Parcel Number

Primary APN	`006-39-064-000`
Alternative APN	`0063906400000`

Exterior

Lot Area	27,727 sqft (0.636 acres)

Location & Zoning

Street Address	138 CLOVER BROOK DR
City	OWOSSO
State	MI
Zip	48867-1077
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ARDELEAN THREE OAKS NO 2 OWOSSO TWP LOT 64
Legal Subdivision	ARDELEAN THREE OAKS 2
Legal Lot Number	64
Jurisdiction	SHIAWASSEE MI
Township / Civil Division	OWOSSO
Census Block Group	3
Census Block	3022
Census Tract	30300

Owner

138 Clover Brook Dr is owned and occupied by two individuals.

Source: Shiawassee County records, as of July 16, 2026

Owner of Record	2 Individual Names on File
Mailing Address	138 CLOVER BROOK DR, OWOSSO, MI 48867-1077
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.

Deeds, Mortgages & Sale History

Date	Document
Jul 9, 2018	Warranty Deed, Transfer · Conventional Mortgage INDEPENDENT BK
Jul 27, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHIAWASSEE MI
Recording Date	Jul 9, 2018
Property Address	140 CLOVER BROOK DR, OWOSSO, MI 48867-1077
Document Number	0012470845
Book / Page	001247 / 000845
Instrument Date	Jul 2, 2018
Instrument	3311219
Transaction Type	Transfer
Record Updated	Jul 31, 2018
Title Company	OTHER

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,332.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	207 LEAVER ST VERNON MI 484769102, VERNON, MI 48476-9102

Mortgage

Document Number	12470846
Date	Jul 9, 2018
Book Page	001247/000846
Instrument	3311220

Lender

Name	INDEPENDENT BK
Type	Bank
Address	GRAND RAPIDS, MI 49525

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 8, 2048

July 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SHIAWASSEE MI
Recording Date	Jul 27, 2018
Property Address	140 CLOVER BROOK DR, OWOSSO, MI 48867-1077
Document Number	0012480392
Book / Page	001248 / 000392
Instrument Date	Jul 2, 2018
Instrument	3311767
Transaction Type	Transfer
Record Updated	Aug 17, 2018

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	138 CLOVER BROOK DR OWOSSO MI 48867, OWOSSO, MI 48867

Tax Assessment & Valuation

The 2025 property tax bill for 138 Clover Brook Dr was $5,152 with a homeowner's exemption, up 2.7% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$235,800 (+17.37%)	$471,600 (+17.37%)
2025	$5,152.00 (+2.69%) Homeowner's exemption	$200,900	$401,800
2024	$5,017.00 (+5.51%)
2023	$4,755.00 Homeowner's exemption	$177,800	$355,600

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 138 Clover Brook Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2008.

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.

Wildfire

Wildfire risk around 138 Clover Brook Dr 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 97% of the US · lower than 93% 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.

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 156 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

May also be available: Frontier.

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