1903 James Ave, Owosso, MI 48867 Property Records

Shiawassee County property record for 1903 James Ave, Owosso, MI 48867

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 996 sqft
Lot Size	0.44 acres (19,166 sqft)
Owner	2 Individual Names on Record
Tax Bill	$987 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Aug 2022 Transfer + 3 more
Flood Zone	Zone X (moderate risk)
APN	`007-68-008-016`

Property Details

APN / Parcel Number

Primary APN	`007-68-008-016`
Alternative APN	`0076800801600`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	996 sqft Heated Area
1st Floor Area	996 sqft
Basement Area	676 sqft

Exterior

Exterior Material	Aluminum/Vinyl
Foundation Type	No Foundation
Lot Area	19,166 sqft (0.44 acres)
Lot Dimensions	135 ft deep x 143 ft wide
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Deck Area	40 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	1903 JAMES AVE
City	OWOSSO
State	MI
Zip	48867-3928
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RIVERSIDE SUB. CALEDONIA TWP. LOTS 16-17-18 BLK. 8.
Legal Subdivision	RIVERSIDE SUB
Legal Block	8
Legal Lot Number	16-18
Jurisdiction	SHIAWASSEE MI
Township / Civil Division	CALEDONIA
Census Block Group	3
Census Block	3027
Census Tract	31600

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	1903 JAMES AVE, OWOSSO, MI 48867-3928
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 7, 2025	Deed of Trust, Mortgage · Conventional Mortgage HORIZON BANK
Aug 22, 2022	Intrafamily Transfer, Transfer
Nov 19, 2021	Intrafamily Transfer, Transfer
Nov 29, 2021	Intrafamily Transfer, Transfer
Jan 9, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Aug 18, 2022
Transfer Doc	0012990758
Record Updated	Sep 20, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHIAWASSEE MI
Property Address	1903 JAMES AVE, OWOSSO, MI 48867-3928
Transaction Type	Mortgage
Record Updated	Oct 20, 2025
Title Company	CRISLO TITLE COMPANY, CISLO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1903 JAMES AVE, OWOSSO, MI 48867-3928

Mortgage

Document Number	0013310746
Date	Oct 7, 2025
Book Page	1331/746
Instrument	3396208

Lender

Name	HORIZON BANK
Type	Bank
Address	MICHIGAN CITY, IN 46360

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2055

August 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SHIAWASSEE MI
Recording Date	Aug 22, 2022
Property Address	1903 JAMES AVE, OWOSSO, MI 48867-3928
Document Number	0012990758
Book / Page	1299 / 758
Map Reference	LB 1 PG 24
Instrument Date	Aug 18, 2022
Instrument	3363717
Transaction Type	Transfer
Record Updated	Dec 13, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1903 JAMES AVE, OWOSSO, MI 48867-3928

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	1903 JAMES AVE, OWOSSO, MI 48867-3928

November 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SHIAWASSEE MI
Recording Date	Nov 19, 2021
Property Address	1903 JAMES AVE, OWOSSO, MI 48867-3928
Document Number	0012890868
Book / Page	1289 / 868
Map Reference	LB 1 PG 24
Instrument Date	Nov 10, 2021
Instrument	3353701
Transaction Type	Transfer
Record Updated	Dec 13, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1903 JAMES AVE, OWOSSO, MI 48867-3928

November 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SHIAWASSEE MI
Recording Date	Nov 29, 2021
Property Address	1903 JAMES AVE, OWOSSO, MI 48867-3928
Document Number	0012900118
Book / Page	1290 / 118
Map Reference	LB 1 PG 24
Instrument Date	Nov 10, 2021
Instrument	3353962
Transaction Type	Transfer
Record Updated	Dec 13, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1903 JAMES AVE, OWOSSO, MI 48867-3928

Transferred To (Grantee/Buyer)

Name	Verified Name

January 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SHIAWASSEE MI
Recording Date	Jan 9, 2018
Property Address	1903 JAMES AVE, OWOSSO, MI 48867-3928
Document Number	0012410869
Book / Page	001241 / 000869
Instrument Date	Jan 9, 2018
Instrument	3305235
Transaction Type	Transfer
Record Updated	Jan 22, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1903 JAMES AVE OWOSSO MI 488673928, OWOSSO, MI 48867-3928

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	Corunna Public School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$71,800 (+5.12%)	$143,600 (+5.12%)
2025	$987.00 (+19.49%) Homeowner's exemption	$68,300 (+20.46%)	$136,600 (+20.46%)
2024	$826.00
2023	$826.00 Homeowner's exemption	$56,700	$113,400

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 36 policies
Nearby Flood Policies	36 in force
Nearby Flood Claims	18 (1981–2026)
Claims Outside the SFHA	3 of 18
Most Recent Claim	Apr 2026 · rainfall accumulation

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 99.1% of the US · lower than 98.4% 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 213 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: DayStarr.

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