1828 Big Bear Dr, Owosso, MI 48867 Property Records

Shiawassee County property record for 1828 Big Bear Dr, Owosso, MI 48867

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,516 sqft · built 2004
Lot Size	0.34 acres (14,810 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,567 (2025)
Deeds & Mortgages	Nov 2023 Mortgage Nov 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`007-55-074-000`

Property Details

APN / Parcel Number

Primary APN	`007-55-074-000`
Alternative APN	`0075507400000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,516 sqft Heated Area
1st Floor Area	1,516 sqft
Basement Area	1,516 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Aluminum/Vinyl
Lot Area	14,810 sqft (0.34 acres)
Lot Dimensions	150 ft deep x 100 ft wide
Garage Area	483 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Deck Area	273 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1828 BIG BEAR DR
City	OWOSSO
State	MI
Zip	48867-9159
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	INDIAN ROCK ESTATES #2- CALEDONIA TWP LOT 74.
Legal Subdivision	INDIAN ROCK ESTATES
Legal Lot Number	74
Jurisdiction	SHIAWASSEE MI
Township / Civil Division	CALEDONIA
Census Block Group	1
Census Block	1026
Census Tract	31700

Owner

1828 Big Bear Dr is owned and occupied by two individuals who acquired it in April 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	1828 BIG BEAR DR, OWOSSO, MI 48867-9159
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Nov 17, 2023	Deed of Trust, Mortgage LAFCU
Nov 23, 2022	Deed of Trust, Mortgage · FHA Mortgage LOANDEPOT.COM LLC
Jun 26, 2019	Deed of Trust, Mortgage · FHA Mortgage OTHER INSTITUTIONAL LENDERS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 14, 2025
Deed Sale	Apr 14, 2025
Prior Sale	Aug 15, 2003 · Amount on File
Deed Document Number	20253390899
Deed Book / Page	1326 / 511
Prior Transfer Date	Apr 7, 2025
Prior Transfer Doc	0013260511
Record Updated	Sep 20, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHIAWASSEE MI
Property Address	1828 BIG BEAR DR, OWOSSO, MI 48867-9159
Transaction Type	Mortgage
Record Updated	Dec 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1828 BIG BEAR DR, OWOSSO, MI 48867-9159

Mortgage

Document Number	0013120330
Date	Nov 17, 2023
Book Page	1312/330
Instrument	3376497

Lender

Name	LAFCU
Type	Credit Union
Address	106 N MARKETPLACE BLVD, LANSING, MI 48917

Agreement

Amount	Amount on Record
Term	120 Months
Due	Nov 22, 2033

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHIAWASSEE MI
Property Address	1828 BIG BEAR DR, OWOSSO, MI 48867-9159
Transaction Type	Mortgage
Record Updated	Dec 13, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1828 BIG BEAR DR, OWOSSO, MI 48867-9159

Mortgage

Document Number	0013020434
Date	Nov 23, 2022
Book Page	1302/434
Instrument	3366452

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2052

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHIAWASSEE MI
Property Address	1828 BIG BEAR DR, OWOSSO, MI 48867-9159
Document Number	0012580793
Instrument Date	Jun 26, 2019
Transaction Type	Mortgage
Record Updated	Jul 19, 2019
Title Company	ATA NATIONAL TITLE GROUP LLC, ATA NAT'L TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1828 BIG BEAR DR OWOSSO MI 488679159, OWOSSO, MI 48867-9159

Mortgage

Document Number	0012580793
Date	Jul 9, 2019
Book Page	001258/000793
Instrument	3322330

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 8, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 1828 Big Bear Dr was $2,567 with a homeowner's exemption, up 2.8% 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	Caledonia Charter Township
Unified School District	Owosso Public Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$160,400 (+3.28%)	$320,800 (+3.28%)
2025	$2,567.00 (+2.84%) Homeowner's exemption	$155,300	$310,600
2024	$2,496.00
2023	$2,496.00 Homeowner's exemption	$130,200	$260,400

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

Flood

FEMA maps place 1828 Big Bear Dr in Zone X, an area of minimal flood risk.

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

Wildfire risk around 1828 Big Bear 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	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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