Shiawassee County property record for 218 S Oak St, Owosso, MI 48867
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,488 sqft · built 1900 |
| Lot Size | 0.15 acres (6,534 sqft) |
| Owner | Individual Name on File |
| Last Sale | $150,000 (May 2026) |
| Tax Bill | $1,941 (2025) |
| Deeds & Mortgages | Jul 2024 Line of Credit May 2026 Sale & Mortgage + 4 more |
| Flood Zone | Zone AE (high risk) |
| APN | 050-180-002-020-00 |
| Primary APN | 050-180-002-020-00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,488 sqft Living Area |
| 1st Floor Area | 960 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Duplex Single |
| Lot Area | 6,534 sqft (0.15 acres) |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 218 S OAK ST |
|---|---|
| City | OWOSSO |
| State | MI |
| Zip | 48867-3145 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | N 49 12' OF S 99' LOTS 17 18 BLK 2 DEWEY & STEWARTS ADD |
| Legal Subdivision | DEWEY & STEWARTS ADD |
| Legal Block | 2 |
| Legal Lot Number | 17-18 |
| Jurisdiction | SHIAWASSEE MI |
| Township / Civil Division | OWOSSO |
| Census Block Group | 4 |
| Census Block | 4019 |
| Census Tract | 30500 |
218 S Oak St is owned and occupied by an individual who bought it in May 2026.
Source: Shiawassee County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 322 E CORUNNA AVE, CORUNNA, MI 48817-1408 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single Woman |
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 |
|---|---|
| Jul 22, 2024 | Deed of Trust, Mortgage · Line of Credit STIFEL BANK & TRUST |
| May 14, 2026 | Warranty Deed, Transfer · FHA Mortgage AMERICAN FINANCIAL NETWORK INC |
| May 12, 2026 | Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FINANCIAL NETWORK INC |
| May 12, 2026 | Deed of Trust, Mortgage · FHA Mortgage AMERICAN FINANCIAL NETWORK INC |
| May 14, 2026 | Warranty Deed, Transfer · FHA Mortgage AMERICAN FINANCIAL NETWORK INC |
| Jun 28, 2022 | Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 14, 2026 · Amount on File |
| Deed Sale | May 14, 2026 · Amount on File |
| Prior Sale | Jun 28, 2022 · Amount on File |
| Deed Document Number | 20263403328 |
| Deed Book / Page | 1338 / 748 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHIAWASSEE MI |
| Property Address | 218 S OAK ST, OWOSSO, MI 48867-3145 |
| Transaction Type | Mortgage |
| Record Updated | Jun 3, 2026 |
| Name | Verified Name |
|---|---|
| Address | 218 S OAK ST, OWOSSO, MI 48867-3145 |
| Document Number | 0013180995 |
|---|---|
| Date | Jul 22, 2024 |
| Book Page | 1318/995 |
| Instrument | 3383259 |
| Name | STIFEL BANK & TRUST |
|---|---|
| Type | Bank |
| Address | SAINT LOUIS, MO 63141 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Jul 15, 2034 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SHIAWASSEE MI |
| Recording Date | May 14, 2026 |
| Property Address | 218 S OAK ST, OWOSSO, MI 48867-3145 |
| Document Number | 0003403328 |
| Book / Page | 1338 / 748 |
| Instrument Date | May 11, 2026 |
| Instrument | 20263403328 |
| Transaction Type | Transfer |
| Record Updated | May 29, 2026 |
| Title Company | CROSSROADS TITLE AGENCY |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $130,290.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 322 E CORUNNA AVE, CORUNNA, MI 48817-1408 |
| Document Number | 0003403187, |
|---|---|
| Date | May 14, 2026 |
| Instrument | 20263403187 |
| Name | AMERICAN FINANCIAL NETWORK INC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate | 6.46% |
|---|---|
| Max Rate | -1% |
| Document Number | 0013380609, |
|---|---|
| Date | May 12, 2026 |
| Book Page | 1338/609 |
| Instrument | 20263403188 |
| Name | AMERICAN FINANCIAL NETWORK INC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 10 Months |
| Due | Jun 1, 2036 |
| Rate | 6.38% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHIAWASSEE MI |
| Recording Date | May 12, 2026 |
| Property Address | 218 S OAK ST, OWOSSO, MI 48867-3145 |
| Document Number | 0003403188 |
| Book / Page | 1338 / 609 |
| Instrument Date | May 11, 2026 |
| Instrument | 20263403188 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 322 E CORUNNA AVE, CORUNNA, MI 48817-1408 |
| Document Number | 0003403188, |
|---|---|
| Date | May 12, 2026 |
| Book Page | 1338/609 |
| Instrument | 20263403188 |
| Name | AMERICAN FINANCIAL NETWORK INC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Jun 1, 2036 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.37% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHIAWASSEE MI |
| Recording Date | May 12, 2026 |
| Property Address | 218 S OAK ST, OWOSSO, MI 48867-3145 |
| Document Number | 0003403187 |
| Book / Page | 1338 / 608 |
| Instrument Date | May 11, 2026 |
| Instrument | 20263403187 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 322 E CORUNNA AVE, CORUNNA, MI 48817-1408 |
| Document Number | 0003403187, |
|---|---|
| Date | May 12, 2026 |
| Book Page | 1338/608 |
| Instrument | 20263403187 |
| Name | AMERICAN FINANCIAL NETWORK INC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate | 6.37% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SHIAWASSEE MI |
| Recording Date | May 14, 2026 |
| Property Address | 218 S OAK ST, OWOSSO, MI 48867-3145 |
| Document Number | 0013380748 |
| Book / Page | 1338 / 748 |
| Instrument Date | May 11, 2026 |
| Instrument | 20263403328 |
| Transaction Type | Transfer |
| Record Updated | Aug 24, 2026 |
| Title Company | CROSSROADS TITLE AGENCY |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $130,290.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 322 E CORUNNA AVE, CORUNNA, MI 48817-1408 |
| Document Number | 0003403187, |
|---|---|
| Date | May 14, 2026 |
| Instrument | 20263403187 |
| Name | AMERICAN FINANCIAL NETWORK INC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate | 7.75% |
|---|---|
| Max Rate | -1% |
| Document Number | 0003403188, |
|---|---|
| Date | May 12, 2026 |
| Book Page | 1338/609 |
| Instrument | 20263403188 |
| Name | AMERICAN FINANCIAL NETWORK INC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Jun 1, 2036 |
| Max Rate | -1% |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SHIAWASSEE MI |
| Recording Date | Jun 28, 2022 |
| Property Address | 218 S OAK ST, OWOSSO, MI 48867-3145 |
| Document Number | 0012980027 |
| Book / Page | 1298 / 27 |
| Map Reference | LB 1 PG 98 |
| Instrument Date | Jun 22, 2022 |
| Instrument | 3361967 |
| Transaction Type | Transfer |
| Record Updated | Jan 19, 2023 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $600.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2358 W GRAND RIVER RD, OWOSSO, MI 48867-8703 |
| Name | Verified Name |
|---|---|
| Address | 327 N MAIN PERRY, PERRY, MI 48872 |
| Document Number | 0012970998 |
|---|---|
| Date | Jun 28, 2022 |
| Book Page | 1297/998 |
| Instrument | 3361939 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2052 |
The 2025 property tax bill for 218 S Oak St was $1,941 with a homeowner's exemption, up 4.9% from the year before.
Source: Shiawassee County assessment roll, as of July 16, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Shiawassee County |
| Municipality | Owosso City |
| Unified School District | Owosso Public Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $56,500 (+10.78%) | $113,000 (+10.78%) | |
| 2025 | $1,941.00 (+4.92%) Homeowner's exemption | $51,000 | $102,000 |
| 2024 | $1,850.00 | ||
| 2023 | $1,850.00 Homeowner's exemption | $42,400 | $84,800 |
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.
FEMA maps place 218 S Oak St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective April 12, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 54 policies |
| Nearby Flood Policies | 54 in force |
| Nearby Flood Claims | 13 (1981–2004) |
| Claims Outside the SFHA | 1 of 13 |
| Most Recent Claim | May 2004 · Severe Storms, Tornadoes, And Flooding |
| Claims by Event |
|
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 218 S Oak 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 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.
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 471 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 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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