Shiawassee County property record for 323 S Chipman St, Owosso, MI 48867
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,170 sqft · built 1885 |
| Lot Size | 0.13 acres (5,663 sqft) |
| Owner | Individual Name on File |
| Last Sale | $130,000 (May 2026) |
| Tax Bill | $1,725 (2025) |
| Deeds & Mortgages | May 2026 Mortgage May 2026 Sale & Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 050-100-002-008-00 |
| Primary APN | 050-100-002-008-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 1,170 sqft Living Area |
| 1st Floor Area | 884 sqft |
| Basement Area | 752 sqft |
| Unfinished Basement | 752 sqft |
| Year Built | Built 1885 |
|---|---|
| Effective Year Built | Effective 1885 |
| Lot Area | 5,663 sqft (0.13 acres) |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 323 S CHIPMAN ST |
|---|---|
| City | OWOSSO |
| State | MI |
| Zip | 48867-3329 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 7 (EX AARR RW) BLK B MARY A CHIPMAN ADD |
| Legal Subdivision | MARY A CHIPMAN ADD |
| Legal Block | B |
| Legal Lot Number | 7 |
| Jurisdiction | SHIAWASSEE MI |
| Township / Civil Division | OWOSSO |
| Census Block Group | 1 |
| Census Block | 1036 |
| Census Tract | 30600 |
323 S Chipman 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 | 760 RIVERWALK CIR, 4A, CORUNNA, MI 48817-1289 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Man, Separate Property |
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 |
|---|---|
| May 22, 2026 | Deed of Trust, Mortgage · Conventional Mortgage NATIONAL HOME MORTGAGE CORPORATION |
| May 26, 2026 | Warranty Deed, Transfer · Conventional Mortgage NATIONAL HOME MORTGAGE CORPORATION |
| Apr 22, 2024 | Warranty Deed, Transfer ATA NATIONAL TITLE GROUP LLC |
| Oct 25, 2021 | Warranty Deed, Transfer · FHA Mortgage CALIBER HOME LOANS INC |
| May 17, 2019 | Warranty Deed, Transfer AMERIFIRST FIN'L CORP |
| Mar 2, 2017 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 26, 2026 · Amount on File |
| Deed Sale | May 26, 2026 · Amount on File |
| Prior Sale | Oct 25, 2021 · Amount on File |
| Deed Document Number | 20263403621 |
| Deed Book / Page | 1339 / 42 |
| Prior Transfer Date | Mar 1, 2017 |
| Prior Transfer Doc | 0012310441 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHIAWASSEE MI |
| Recording Date | May 22, 2026 |
| Property Address | 323 S CHIPMAN ST, OWOSSO, MI 48867-3329 |
| Document Number | 0003403597 |
| Book / Page | 1339 / 18 |
| Instrument Date | May 20, 2026 |
| Instrument | 20263403597 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|
| Document Number | 0003403597, |
|---|---|
| Date | May 22, 2026 |
| Book Page | 1339/18 |
| Instrument | 20263403597 |
| Name | NATIONAL HOME MORTGAGE CORPORATION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.23% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SHIAWASSEE MI |
| Recording Date | May 26, 2026 |
| Property Address | 323 S CHIPMAN ST, OWOSSO, MI 48867-3329 |
| Document Number | 0003403621 |
| Book / Page | 1339 / 42 |
| Instrument Date | May 20, 2026 |
| Instrument | 20263403621 |
| Transaction Type | Transfer |
| Record Updated | Jun 10, 2026 |
| Title Company | EXCHANGE TITLE |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $112,918.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 0003403597, |
|---|---|
| Date | May 26, 2026 |
| Instrument | 20263403597 |
| Name | NATIONAL HOME MORTGAGE CORPORATION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.37% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SHIAWASSEE MI |
| Recording Date | Apr 22, 2024 |
| Property Address | 323 S CHIPMAN ST, OWOSSO, MI 48867-3329 |
| Document Number | 0013160659 |
| Book / Page | 1316 / 659 |
| Map Reference | LB 21 PG 632 |
| Instrument Date | Apr 5, 2024 |
| Instrument | 3380905 |
| Transaction Type | Transfer |
| Record Updated | May 21, 2024 |
| Title Company | ATA NATIONAL TITLE GROUP LLC |
| Amount | Amount on Record |
|---|---|
| Tax | $637.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 323 S CHIPMAN ST, OWOSSO, MI 48867-3329 |
| Name | Verified Name |
|---|---|
| Address | 526 S CHIPMAN ST, OWOSSO, MI 48867-3369 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SHIAWASSEE MI |
| Recording Date | Oct 25, 2021 |
| Property Address | 323 S CHIPMAN ST, OWOSSO, MI 48867-3329 |
| Document Number | 0012880892 |
| Book / Page | 1288 / 892 |
| Map Reference | LB 21 PG 632 |
| Instrument Date | Oct 20, 2021 |
| Instrument | 3352723 |
| Transaction Type | Transfer |
| Record Updated | Nov 8, 2021 |
| Title Company | CRISLO TITLE COMPANY, CISLO TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $570.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 323 S CHIPMAN ST, 323, OWOSSO, MI 48867-3329 |
| Name | Verified Name |
|---|---|
| Address | 323 S CHIPMAN ST, OWOSSO, MI 48867-3329 |
| Document Number | 3352724 |
|---|---|
| Date | Oct 25, 2021 |
| Instrument | 3352724 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SHIAWASSEE MI |
| Recording Date | May 17, 2019 |
| Property Address | 323 S CHIPMAN ST, OWOSSO, MI 48867-3329 |
| Document Number | 0012570360 |
| Book / Page | 001257 / 000360 |
| Instrument Date | May 13, 2019 |
| Instrument | 3320892 |
| Transaction Type | Transfer |
| Record Updated | Jun 5, 2019 |
| Title Company | ATA NATIONAL TITLE GROUP LLC, ATA NAT'L TITLE GROUP LLC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $424.88 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2300 N M 52 OWOSSO MI 488671143, OWOSSO, MI 48867-1143 |
| Document Number | 12570361 |
|---|---|
| Date | May 17, 2019 |
| Book Page | 001257/000361 |
| Instrument | 3320893 |
| Name | AMERIFIRST FIN'L CORP |
|---|---|
| Address | KALAMAZOO, MI 49002 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | May 16, 2049 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SHIAWASSEE MI |
| Recording Date | Mar 2, 2017 |
| Property Address | 323 S CHIPMAN ST, OWOSSO, MI 48867-3329 |
| Document Number | 0012310441 |
| Book / Page | 001231 / 000441 |
| Instrument Date | Mar 1, 2017 |
| Instrument | 3294749 |
| Transaction Type | Transfer |
| Record Updated | Jun 30, 2017 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3030 COPAS RD OWOSSO MI 488679609, OWOSSO, MI 48867-9609 |
The 2025 property tax bill for 323 S Chipman St was $1,725 with a homeowner's exemption, up 26.7% 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 | $44,700 (+9.56%) | $89,400 (+9.56%) | |
| 2025 | $1,725.00 (+26.75%) Homeowner's exemption | $40,800 | $81,600 |
| 2024 | $1,361.00 | ||
| 2023 | $1,361.00 Homeowner's exemption | $33,600 | $67,200 |
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 323 S Chipman St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2004.
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.
The area around 323 S Chipman 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.
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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