Shiawassee County property record for 322 State St, Owosso, MI 48867
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $101,065 (Feb 2024) |
| Tax Bill | $1,763 (2025) |
| Deeds & Mortgages | Feb 2024 Mortgage Feb 2024 Transfer + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 050-100-002-009-00 |
| Primary APN | 050-100-002-009-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 1,284 sqft Living Area |
| 1st Floor Area | 900 sqft |
| Basement Area | 384 sqft |
| Unfinished Basement | 384 sqft |
| Year Built | Built 1880 |
|---|---|
| Effective Year Built | Effective 1880 |
| Lot Area | 8,712 sqft (0.2 acres) |
| Lot Dimensions | 132 ft deep x 66 ft wide |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 322 STATE ST |
|---|---|
| City | OWOSSO |
| State | MI |
| Zip | 48867-2527 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 8 BLK B MARY A CHIPMANS ADD |
| Legal Subdivision | CHIPMANS ADD |
| Legal Block | B |
| Legal Lot Number | 8 |
| Jurisdiction | SHIAWASSEE MI |
| Township / Civil Division | OWOSSO |
| Census Block Group | 1 |
| Census Block | 1036 |
| Census Tract | 30600 |
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 | 322 STATE ST, OWOSSO, MI 48867-2527 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 7, 2024 | Deed of Trust, Mortgage · Second Mortgage (Down Payment) MORTGAGE 1 INC |
| Feb 13, 2024 | Intrafamily Transfer, Transfer |
| Feb 7, 2024 | Warranty Deed, Transfer ATA NATIONAL TITLE GROUP LLC |
| Feb 7, 2024 | Warranty Deed, Transfer · Second Mortgage (Down Payment) MORTGAGE 1 INC |
| Aug 14, 2023 | Intrafamily Transfer, Transfer |
| Aug 14, 2023 | Assignment of Agreement of Sale, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 7, 2024 · Amount on Record |
| Deed Sale | Feb 7, 2024 · Amount on Record |
| Prior Sale | Feb 7, 2024 · Amount on Record |
| Deed Document Number | 20243378394 |
| Deed Book / Page | 1314 / 147 |
| Prior Transfer Date | Jan 30, 2024 |
| Prior Transfer Doc | 0013140299 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHIAWASSEE MI |
| Property Address | 322 STATE ST, OWOSSO, MI 48867-2527 |
| Transaction Type | Mortgage |
| Record Updated | Feb 23, 2024 |
| Title Company | ATA NATIONAL TITLE GROUP LLC |
| Name | Verified Name |
|---|---|
| Address | 322 STATE ST, OWOSSO, MI 48867-2527 |
| Document Number | 0013140149 |
|---|---|
| Date | Feb 7, 2024 |
| Book Page | 1314/149 |
| Instrument | 3378396 |
| Name | MORTGAGE 1 INC |
|---|---|
| Type | Mortgage Company |
| Address | 43456 MOUND RD, STERLING HEIGHTS, MI 48314 |
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount Recorded |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SHIAWASSEE MI |
| Recording Date | Feb 13, 2024 |
| Property Address | 322 STATE ST, OWOSSO, MI 48867-2527 |
| Document Number | 0013140299 |
| Book / Page | 1314 / 299 |
| Instrument Date | Jan 30, 2024 |
| Instrument | 3378546 |
| Transaction Type | Transfer |
| Record Updated | Mar 6, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 322 STATE ST, OWOSSO, MI 48867-2527 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 322 STATE ST, OWOSSO, MI 48867-2527 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SHIAWASSEE MI |
| Recording Date | Feb 7, 2024 |
| Property Address | 322 STATE ST, OWOSSO, MI 48867-2527 |
| Document Number | 0013140146 |
| Book / Page | 1314 / 146 |
| Map Reference | LB 21 PG 632 |
| Instrument Date | Jan 30, 2024 |
| Instrument | 3378393 |
| Transaction Type | Transfer |
| Record Updated | Feb 29, 2024 |
| Title Company | ATA NATIONAL TITLE GROUP LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $438.75 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1526 S M 52, OWOSSO, MI 48867-8915 |
| Name | Verified Name |
|---|---|
| Address | 322 STATE ST, OWOSSO, MI 48867-2527 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SHIAWASSEE MI |
| Recording Date | Feb 7, 2024 |
| Property Address | 322 STATE ST, OWOSSO, MI 48867-2527 |
| Document Number | 0013140147 |
| Book / Page | 1314 / 147 |
| Map Reference | LB 21 PG 632 |
| Instrument Date | Jan 30, 2024 |
| Instrument | 3378394 |
| Transaction Type | Transfer |
| Record Updated | Feb 29, 2024 |
| Title Company | ATA NATIONAL TITLE GROUP LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $761.25 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 810 GRACE ST, OWOSSO, MI 48867-4237 |
| Name | Verified Name |
|---|---|
| Address | 322 STATE ST, OWOSSO, MI 48867-2527 |
| Document Number | 0003378396 |
|---|---|
| Date | Feb 7, 2024 |
| Instrument | 3378396 |
| Name | MORTGAGE 1 INC |
|---|---|
| Type | Mortgage Company |
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount Recorded |
| Document Number | 0013140148 |
|---|---|
| Date | Feb 7, 2024 |
| Book Page | 1314/148 |
| Instrument | 3378395 |
| Name | MORTGAGE 1 INC |
|---|---|
| Type | Mortgage Company |
| Address | 43456 MOUND RD, STERLING HEIGHTS, MI 48314 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 1, 2054 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SHIAWASSEE MI |
| Recording Date | Aug 14, 2023 |
| Property Address | 322 STATE ST, OWOSSO, MI 48867-2527 |
| Document Number | 0013090751 |
| Book / Page | 1309 / 751 |
| Map Reference | LB 21 PG 632 |
| Instrument Date | Jul 28, 2023 |
| Instrument | 3373901 |
| Transaction Type | Transfer |
| Record Updated | Sep 4, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1526 S M 52, OWOSSO, MI 48867-8915 |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Living Trust |
| Address | 1526 S M 52, OWOSSO, MI 48867-8915 |
| Document Type | Assignment of Agreement of Sale |
|---|---|
| Jurisdiction | SHIAWASSEE MI |
| Recording Date | Aug 14, 2023 |
| Property Address | 322 STATE ST, OWOSSO, MI 48867-2527 |
| Document Number | 0013090758 |
| Book / Page | 1309 / 758 |
| Map Reference | LB 21 PG 632 |
| Instrument Date | Jul 28, 2023 |
| Instrument | 3373908 |
| Transaction Type | Transfer |
| Record Updated | Sep 4, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1526 S M 52, OWOSSO, MI 48867-8915 |
| Name | Verified Name |
|---|---|
| Address | 322 STATE ST, OWOSSO, MI 48867-2527 |
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 | $46,200 (+10.79%) | $92,400 (+10.79%) | |
| 2025 | $1,763.00 (+6.85%) Homeowner's exemption | $41,700 (+31.13%) | $83,400 (+31.13%) |
| 2024 | $1,650.00 | ||
| 2023 | $1,650.00 Homeowner's exemption Additional exemption filed | $31,800 | $63,600 |
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 Policies | 1 in force |
| Nearby Flood Claims | 1 (2004) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jun 2004 · river or lake flooding |
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 379 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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