319 N Oak St, Owosso, MI 48867 Property Records

Shiawassee County property record for 319 N Oak St, Owosso, MI 48867

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,398 sqft · built 1900
Lot Size	0.15 acres (6,534 sqft)
Owner	Individual Name on File
Last Sale	$40,000 (May 2010)
Tax Bill	$1,595 (2025)
Deeds & Mortgages	Aug 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`050-391-000-034-00`

Property Details

APN / Parcel Number

Primary APN	`050-391-000-034-00`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Building Area	1,398 sqft Living Area
1st Floor Area	1,020 sqft
Basement Area	840 sqft
Unfinished Basement	840 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Custom Design
Lot Area	6,534 sqft (0.15 acres)
Lot Dimensions	132 ft deep x 50 ft wide

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	319 N OAK ST
City	OWOSSO
State	MI
Zip	48867-3024
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 22 (EX W 132') J H LAVEROCKS SUBDIV OUTLOT 5
Legal Subdivision	J H LAVEROCKS SUBDIV
Legal Lot Number	22
Jurisdiction	SHIAWASSEE MI
Township / Civil Division	OWOSSO
Census Block Group	4
Census Block	4005
Census Tract	30500

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Oliver Street Historic District listed 1980 · 114 contributing resources · NRIS 80001905

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

319 N Oak St is owned and occupied by an individual who acquired it in May 2016.

Source: Shiawassee County records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	319 N OAK ST, OWOSSO, MI 48867-3024
Occupancy	Owner Occupied
Owner Type	Individual

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 3, 2010 · Amount on File
Deed Sale	May 3, 2010 · Amount on File
Prior Sale	Mar 8, 2010 · Amount on File
Deed Document Number	20103209911
Deed Book / Page	1147 / 146
Last Transfer Date	May 3, 2016
Transfer Doc	0012220502
Record Updated	Oct 29, 2026

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHIAWASSEE MI
Recording Date	Aug 29, 2018
Property Address	319 N OAK ST, OWOSSO, MI 48867-3024
Document Number	0012490420
Book / Page	001249 / 000420
Instrument Date	Aug 23, 2018
Instrument	3312800
Transaction Type	Transfer
Record Updated	Sep 12, 2018
Title Company	CISLO TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$525.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	319 N OAK ST OWOSSO MI 488673024, OWOSSO, MI 48867-3024

Mortgage

Document Number	12490421
Date	Aug 29, 2018
Book Page	001249/000421
Instrument	3312801

Lender

Name	CASON HM LNS
Type	Funding / Finance Company
Address	PALM BEACH GARDENS, FL 33418

Agreement

Amount	Amount on Record
Term	360 Months
Due	Aug 28, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 319 N Oak St was $1,595 with a homeowner's exemption, up 4.9% from the year before.

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

Property Jurisdictions

Type	Name
State	Michigan
County	Shiawassee County
Municipality	Owosso City
Unified School District	Owosso Public Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$60,900 (+13.2%)	$121,800 (+13.2%)
2025	$1,595.00 (+4.87%) Homeowner's exemption	$53,800	$107,600
2024	$1,521.00
2023	$1,521.00 Homeowner's exemption	$44,400	$88,800

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

Flood

FEMA maps place 319 N Oak St in Zone X, an area of minimal flood risk, though there have been 13 flood claims nearby since 1981.

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
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	Severe Storms, Tornadoes, And Flooding, May 2004 · 6 claims

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

The area around 319 N Oak St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 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