1886 Big Bear Dr, Owosso, MI 48867 Property Records

Shiawassee County property record for 1886 Big Bear Dr, Owosso, MI 48867

Property Summary

Property Type	Single Family Home
Lot Size	1.54 acres (67,082 sqft)
Owner	Individual Name on Record
Last Sale	$482,500 (Jun 2023)
Tax Bill	$5,379 (2025)
Deeds & Mortgages	Jun 2023 Sale & Mortgage Aug 2022 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`007-17-400-006-11`

Property Details

APN / Parcel Number

Primary APN	`007-17-400-006-11`

Exterior

Lot Area	67,082 sqft (1.54 acres)

Location & Zoning

Street Address	1886 BIG BEAR DR
City	OWOSSO
State	MI
Zip	48867-9159
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PART OF THE SE 14 OF SEC 17 T7N-R3E CALEDONIA CHARTER TOWNSHIP SHIAWASSEE COUNTY MI DESCRIBED AS BEG AT EAST 14 CORNER OF SAI
Legal Range	03E
Legal Township	07N
Legal Section	17
Legal Subdivision	TEAHEN SUB
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	Individual Name on Record
Mailing Address	1886 BIG BEAR DR, OWOSSO, MI 48867-9159
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 13, 2023	Warranty Deed, Transfer · Conventional Mortgage KAYE FINANCIAL CORP
Aug 29, 2022	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Aug 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Mar 18, 2021	Deed of Trust, Mortgage QUICKEN LOANS LLC
Apr 8, 2017	Deed of Trust, Mortgage · Conventional with PMI LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 13, 2023 · Amount on Record
Deed Sale	Jun 13, 2023 · Amount on Record
Prior Sale	Jul 10, 2015 · Amount on Record
Deed Document Number	20233372080
Deed Book / Page	1307 / 947
Record Updated	Sep 20, 2026

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHIAWASSEE MI
Recording Date	Jun 13, 2023
Property Address	1886 BIG BEAR DR, OWOSSO, MI 48867-9159
Document Number	0013070947
Book / Page	1307 / 947
Instrument Date	Jun 6, 2023
Instrument	3372080
Transaction Type	Transfer
Record Updated	Jun 30, 2023
Title Company	CRISLO TITLE COMPANY, CISLO TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,618.75
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1124 RABBIT TRAIL RD, FIVE POINTS, TN 38457-5034

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2713 SPRINGBORN RD, EAST CHINA, MI 48054-4775

Mortgage

Document Number	0003372075
Date	Jun 13, 2023
Instrument	3372075

Lender

Name	KAYE FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2053

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHIAWASSEE MI
Property Address	1886 BIG BEAR DR, OWOSSO, MI 48867-9159
Transaction Type	Mortgage
Record Updated	Sep 20, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0012990970
Date	Aug 29, 2022
Book Page	1299/970
Instrument	3363931

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28277

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Sep 8, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHIAWASSEE MI
Property Address	1886 BIG BEAR DR, OWOSSO, MI 48867-9159
Transaction Type	Mortgage
Record Updated	Sep 1, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1886 BIG BEAR DR, OWOSSO, MI 48867-9159

Mortgage

Document Number	0012860260
Date	Aug 17, 2021
Book Page	1286/260
Instrument	3350067

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	BRECKSVILLE, OH 44141

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Sep 1, 2036

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHIAWASSEE MI
Property Address	1886 BIG BEAR DR, OWOSSO, MI 48867-9159
Transaction Type	Mortgage
Record Updated	Mar 29, 2021
Title Company	ATA NATIONAL TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1886 BIG BEAR DR, OWOSSO, MI 48867-9159

Mortgage

Document Number	0012790778
Date	Mar 18, 2021
Book Page	1279/778
Instrument	3343544

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHIAWASSEE MI
Property Address	1886 BIG BEAR DR, OWOSSO, MI 48867-9159
Document Number	0012330640
Book / Page	001233 / 000640
Instrument Date	Apr 8, 2017
Transaction Type	Mortgage
Record Updated	Jul 17, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1886 BIG BEAR DR OWOSSO MI 488679159, OWOSSO, MI 48867-9159

Mortgage

Document Number	0012330640
Date	Apr 19, 2017
Book Page	001233/000640
Instrument	3296947

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Apr 18, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.5%

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		$232,700 (+4.68%)	$465,400 (+4.68%)
2025	$5,379.00 (+18.58%) Homeowner's exemption	$222,300 (+23.36%)	$444,600 (+23.36%)
2023	$4,536.00 Homeowner's exemption	$180,200	$360,400

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 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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