1814 E Elk Ct, Owosso, MI 48867 Property Records

Shiawassee County property record for 1814 E Elk Ct, Owosso, MI 48867

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,819 sqft · built 2005
Lot Size	0.53 acres (23,087 sqft)
Owner	2 Individual Names on Record
Last Sale	$29,500 (Jun 2005)
Tax Bill	$3,068 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Jul 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`007-55-077-000`

Property Details

APN / Parcel Number

Primary APN	`007-55-077-000`
Alternative APN	`0075507700000`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	1,819 sqft Heated Area
1st Floor Area	1,819 sqft
Basement Area	1,819 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Aluminum/Vinyl
Lot Area	23,087 sqft (0.53 acres)
Lot Dimensions	192 ft deep x 142 ft wide
Garage Area	613 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1814 E ELK CT
City	OWOSSO
State	MI
Zip	48867-8414
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	INDIAN ROCK ESTATES #2- CALEDONIA TWP LOT 77.
Legal Subdivision	INDIAN ROCK ESTATES
Legal Lot Number	77
Jurisdiction	SHIAWASSEE MI
Township / Civil Division	CALEDONIA
Census Block Group	1
Census Block	1026
Census Tract	31700

Owner

Source: Shiawassee County records, as of July 16, 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	1814 E ELK CT, OWOSSO, MI 48867-8414
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage MID-AMERICAN MORTGAGE INC
Jul 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage MID-AMERICAN MORTGAGE INC
Feb 15, 2019	Deed of Trust, Mortgage · Conventional with PMI OTHER INSTITUTIONAL LENDERS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 17, 2005 · Amount on Record
Deed Sale	Jun 17, 2005 · Amount on Record
Deed Document Number	20053142462
Deed Book / Page	1080 / 464
Record Updated	Sep 20, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHIAWASSEE MI
Property Address	1814 E ELK CT, OWOSSO, MI 48867-8414
Transaction Type	Mortgage
Record Updated	Apr 14, 2021
Title Company	ATA NATIONAL TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1814 E ELK CT, OWOSSO, MI 48867-8414

Mortgage

Document Number	0012800320
Date	Apr 1, 2021
Book Page	1280/320
Instrument	3344086

Lender

Name	MID-AMERICAN MORTGAGE INC
Type	Mortgage Company
Address	ADDISON, TX 75001

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 1, 2036

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHIAWASSEE MI
Property Address	1814 E ELK CT, OWOSSO, MI 48867-8414
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ATA NATIONAL TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0012710355
Date	Jul 30, 2020
Book Page	1271/355
Instrument	3334997

Lender

Name	MID-AMERICAN MORTGAGE INC
Type	Mortgage Company
Address	ADDISON, TX 75001

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Aug 1, 2035

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHIAWASSEE MI
Property Address	1814 E ELK CT, OWOSSO, MI 48867-8414
Document Number	0012540287
Instrument Date	Feb 15, 2019
Transaction Type	Mortgage
Record Updated	Mar 11, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1814 E ELK CT OWOSSO MI 488678414, OWOSSO, MI 48867-8414

Mortgage

Document Number	0012540287
Date	Feb 26, 2019
Book Page	001254/000287
Instrument	3317796

Lender

Name	OTHER INSTITUTIONAL LENDERS
Type	Bank
Address	STERLING HEIGHTS, MI 48314

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	180 Months
Due	Feb 25, 2034

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$196,300 (+2.94%)	$392,600 (+2.94%)
2025	$3,068.00 (+2.82%) Homeowner's exemption	$190,700 (+18.52%)	$381,400 (+18.52%)
2024	$2,984.00
2023	$2,984.00 Homeowner's exemption	$160,900	$321,800

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

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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force

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 95% of the US · lower than 89% 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 77 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 / 35
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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