Shiawassee County property record for 321 E Stewart St, Owosso, MI 48867
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.15 acres (6,534 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $165,000 (Apr 2026) |
| Tax Bill | $2,258 (2025) |
| Deeds & Mortgages | Apr 2026 Mortgage Apr 2026 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 050-652-003-006-00 |
| Primary APN | 050-652-003-006-00 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 1,216 sqft Living Area |
| 1st Floor Area | 688 sqft |
| Basement Area | 688 sqft |
| Unfinished Basement | 688 sqft |
| Year Built | Built 1909 |
|---|---|
| Effective Year Built | Effective 1909 |
| Architectural Style | Custom Design |
| Lot Area | 6,534 sqft (0.15 acres) |
| Lot Dimensions | 110 ft deep x 60 ft wide |
| Garage Area | 456 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 321 E STEWART ST |
|---|---|
| City | OWOSSO |
| State | MI |
| Zip | 48867-4563 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 8 (EX N 72') BLK 3 A L WILLIAMS 2ND ADD |
| Legal Subdivision | WILLIAMS 2ND ADD |
| Legal Block | 3 |
| Legal Lot Number | 8 |
| Jurisdiction | SHIAWASSEE MI |
| Township / Civil Division | OWOSSO |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 30800 |
Source: Shiawassee County records, as of October 20, 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 | 3873 AUDREY RAE LN, HOWELL, MI 48843-6607 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Apr 21, 2026 | Deed of Trust, Mortgage · FHA Mortgage AMERICAN FINANCIAL SERVICES INC |
| Apr 23, 2026 | Warranty Deed, Transfer · FHA Mortgage AMERICAN FINANCIAL SERVICES INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 23, 2026 · Amount on Record |
| Deed Sale | Apr 23, 2026 · Amount on Record |
| Prior Sale | Mar 3, 2025 · Amount on Record |
| Deed Document Number | 20263402469 |
| Deed Book / Page | 1337 / 891 |
| Prior Transfer Date | Feb 15, 2013 |
| Prior Transfer Doc | 0011930027 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHIAWASSEE MI |
| Recording Date | Apr 21, 2026 |
| Property Address | 321 E STEWART ST, OWOSSO, MI 48867-4563 |
| Document Number | 0003402389 |
| Book / Page | 1337 / 814 |
| Instrument Date | Apr 20, 2026 |
| Instrument | 20263402389 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|
| Document Number | 0003402389, |
|---|---|
| Date | Apr 21, 2026 |
| Book Page | 1337/814 |
| Instrument | 20263402389 |
| Name | AMERICAN FINANCIAL SERVICES INC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate | 6.22% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SHIAWASSEE MI |
| Recording Date | Apr 23, 2026 |
| Property Address | 321 E STEWART ST, OWOSSO, MI 48867-4563 |
| Document Number | 0003402469 |
| Book / Page | 1337 / 891 |
| Instrument Date | Apr 20, 2026 |
| Instrument | 2026.3402469 |
| Transaction Type | Transfer |
| Record Updated | May 6, 2026 |
| Title Company | CROSSROADS TITLE AGENCY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $143,319.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 0013370814, |
|---|---|
| Date | Apr 23, 2026 |
| Book Page | 1337/814 |
| Instrument | 2026.3402469 |
| Name | AMERICAN FINANCIAL SERVICES INC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate | 6.11% |
|---|---|
| Max Rate | -1% |
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 | $59,400 (+7.61%) | $118,800 (+7.61%) | |
| 2025 | $2,258.00 (+5.86%) Homeowner's exemption | $55,200 (+20.79%) | $110,400 (+20.79%) |
| 2024 | $2,133.00 | ||
| 2023 | $2,133.00 Homeowner's exemption Additional exemption filed | $45,700 | $91,400 |
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.
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 Claims | 1 (1982) |
| Most Recent Claim | Mar 1982 · 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.
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.
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 430 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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