Shiawassee County property record for 1409 N Water St, Owosso, MI 48867
| Property Type | Single Family Home |
|---|---|
| Lot Size | 1.7 acres (74,052 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $300,000 (Aug 2005) |
| Tax Bill | $4,521 (2025) |
| Deeds & Mortgages | Oct 2021 Line of Credit Jan 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 006-66-007-000 |
| Primary APN | 006-66-007-000 |
|---|---|
| Alternative APN |
|
| Lot Area | 74,052 sqft (1.7 acres) |
|---|
| Street Address | 1409 N WATER ST |
|---|---|
| City | OWOSSO |
| State | MI |
| Zip | 48867-1271 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MC KNIGHT'S SUB OWOSSO TWP LOTS 7 & 8 1.7 ACRES |
| Legal Subdivision | MC KNIGHTS SUB |
| Legal Lot Number | 7-8 |
| Jurisdiction | SHIAWASSEE MI |
| Township / Civil Division | OWOSSO |
| Census Block Group | 3 |
| Census Block | 3013 |
| Census Tract | 30300 |
1409 N Water St is owned and occupied by two individuals who acquired it in January 2021.
Source: Shiawassee County records, as of July 16, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1409 N WATER ST, OWOSSO, MI 48867-1271 |
| 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 |
|---|---|
| Oct 28, 2021 | Deed of Trust, Mortgage · Line of Credit HORIZON BANK |
| Jan 25, 2021 | Intrafamily Transfer, Transfer · Conventional Mortgage HORIZON BANK |
| May 30, 2019 | Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 9, 2005 · Amount on File |
| Deed Sale | Aug 9, 2005 · Amount on File |
| Deed Document Number | 20053145314 |
| Deed Book / Page | 1083 / 188 |
| Last Transfer Date | Jan 15, 2021 |
| Transfer Doc | 0012770669 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHIAWASSEE MI |
| Property Address | 1409 N WATER ST, OWOSSO, MI 48867-1271 |
| Transaction Type | Mortgage |
| Record Updated | Nov 8, 2021 |
| Name | Verified Name |
|---|---|
| Address | 1409 N WATER ST, OWOSSO, MI 48867-1271 |
| Document Number | 0012890010 |
|---|---|
| Date | Oct 28, 2021 |
| Book Page | 1289/10 |
| Instrument | 3352840 |
| Name | HORIZON BANK |
|---|---|
| Type | Bank |
| Address | MICHIGAN CITY, IN 46360 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Oct 15, 2046 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SHIAWASSEE MI |
| Recording Date | Jan 25, 2021 |
| Property Address | 1409 N WATER ST, OWOSSO, MI 48867-1271 |
| Document Number | 0012770669 |
| Book / Page | 1277 / 669 |
| Map Reference | LB 11 PG 160 |
| Instrument Date | Jan 15, 2021 |
| Instrument | 3341405 |
| Transaction Type | Transfer |
| Record Updated | May 25, 2021 |
| Title Company | ATA NATIONAL TITLE GROUP |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1409 N WATER ST, OWOSSO, MI 48867-1271 |
| Document Number | 3341406 |
|---|---|
| Date | Jan 25, 2021 |
| Instrument | 3341406 |
| Name | HORIZON BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Feb 1, 2031 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHIAWASSEE MI |
| Property Address | 1409 N WATER ST, OWOSSO, MI 48867-1271 |
| Document Number | 0012580169 |
| Instrument Date | May 30, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jul 1, 2019 |
| Title Company | ATA NATIONAL TITLE GROUP LLC, ATA NAT'L TITLE GROUP LLC |
| Name | Verified Name |
|---|---|
| Address | 1409 N WATER ST OWOSSO MI 488671271, OWOSSO, MI 48867-1271 |
| Document Number | 0012580169 |
|---|---|
| Date | Jun 17, 2019 |
| Book Page | 001258/000169 |
| Instrument | 3321704 |
| Name | FIFTH THIRD BK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45227 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 16, 2049 |
The 2025 property tax bill for 1409 N Water St was $4,521 with a homeowner's exemption, up 2.7% from the year before.
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 | $209,400 (+8.22%) | $418,800 (+8.22%) | |
| 2025 | $4,521.00 (+2.73%) Homeowner's exemption | $193,500 | $387,000 |
| 2024 | $4,401.00 (+4.79%) | ||
| 2023 | $4,200.00 Homeowner's exemption | $163,200 | $326,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1409 N Water St 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 risk around 1409 N Water 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 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.
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 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 |
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