Shiawassee County property record for 3740 W Garrison Rd, Owosso, MI 48867
| Property Type | Single Family Home |
|---|---|
| Lot Size | 2 acres (87,120 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $166,000 (Oct 2022) |
| Tax Bill | $2,477 (2025) |
| Deeds & Mortgages | Oct 2025 Sale Feb 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-09-300-005-01 |
| Primary APN | 010-09-300-005-01 |
|---|
| Lot Area | 87,120 sqft (2 acres) |
|---|
| Street Address | 3740 W GARRISON RD |
|---|---|
| City | OWOSSO |
| State | MI |
| Zip | 48867-9243 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SEC. 9 T6N R2E. PT OF SW 14 COM AT PT ON S LN OF SEC WH IS S8953'29!W 1113.77 FT FROM S 14 POST OF SEC TH S8953'29!W 200 FT T |
| Legal Range | 02E |
| Legal Township | 06N |
| Legal Section | 09 |
| Jurisdiction | SHIAWASSEE MI |
| Township / Civil Division | BENNINGTON |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 31401 |
3740 W Garrison Rd is owned and occupied by two individuals who bought it in October 2022.
Source: Shiawassee County records, as of July 16, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3740 W GARRISON RD, OWOSSO, MI 48867-9243 |
| 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.
| Date | Document |
|---|---|
| Oct 23, 2025 | Land Contract, Transfer |
| Feb 3, 2021 | Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC |
| Oct 25, 2022 | Warranty Deed, Transfer · FHA Mortgage FLAGSTAR BANK FSB |
| Nov 15, 2022 | Intrafamily Transfer, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 25, 2022 · Amount on File |
| Deed Sale | Oct 25, 2022 · Amount on File |
| Deed Document Number | 20223365624 |
| Deed Book / Page | 1301 / 624 |
| Prior Transfer Date | Oct 20, 2022 |
| Prior Transfer Doc | 0013020199 |
| Record Updated | Sep 20, 2026 |
| Document Type | Land Contract |
|---|---|
| Jurisdiction | SHIAWASSEE MI |
| Recording Date | Oct 23, 2025 |
| Property Address | 3740 W GARRISON RD, OWOSSO, MI 48867-9243 |
| Document Number | 0013320214 |
| Book / Page | 1332 / 214 |
| Instrument Date | Oct 15, 2025 |
| Instrument | 3396677 |
| Transaction Type | Transfer |
| Record Updated | Nov 6, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 10135 RUESS RD, PERRY, MI 48872-9758 |
| Name | Verified Name |
|---|---|
| Address | 108 W MECHANIC ST, NEW BUFFALO, MI 49117-1012 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHIAWASSEE MI |
| Property Address | 3740 W GARRISON RD, OWOSSO, MI 48867-9243 |
| Transaction Type | Mortgage |
| Record Updated | Dec 19, 2022 |
| Name | Verified Name |
|---|---|
| Address | 3740 W GARRISON RD, OWOSSO, MI 48867-9243 |
| Document Number | 0012780072 |
|---|---|
| Date | Feb 3, 2021 |
| Book Page | 1278/72 |
| Instrument | 3341816 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SHIAWASSEE MI |
| Recording Date | Oct 25, 2022 |
| Property Address | 3740 W GARRISON RD, OWOSSO, MI 48867-9243 |
| Document Number | 0013010624 |
| Book / Page | 1301 / 624 |
| Instrument Date | Oct 20, 2022 |
| Instrument | 3365624 |
| Transaction Type | Transfer |
| Record Updated | Dec 13, 2022 |
| Title Company | ATA NATIONAL TITLE GROUP LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,245.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3740 W GARRISON RD, OWOSSO, MI 48867-9243 |
| Name | Verified Name |
|---|---|
| Address | 3740 W GARRISON RD, OWOSSO, MI 48867-9243 |
| Document Number | 0003365625 |
|---|---|
| Date | Oct 25, 2022 |
| Instrument | 3365625 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2052 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SHIAWASSEE MI |
| Recording Date | Nov 15, 2022 |
| Property Address | 3740 W GARRISON RD, OWOSSO, MI 48867-9243 |
| Document Number | 0013020199 |
| Book / Page | 1302 / 199 |
| Instrument Date | Oct 20, 2022 |
| Instrument | 3366216 |
| Transaction Type | Transfer |
| Record Updated | Dec 13, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3740 W GARRISON RD, OWOSSO, MI 48867-9243 |
| Name | Verified Name |
|---|---|
| Address | 3740 W GARRISON RD, OWOSSO, MI 48867-9243 |
The 2025 property tax bill for 3740 W Garrison Rd was $2,477 with a homeowner's exemption, up 3% from the year before.
Source: Shiawassee County assessment roll, as of July 16, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Shiawassee County |
| County Subdivision | Bennington Township |
| Unified School District | Owosso Public Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $104,100 (+12.18%) | $208,200 (+12.18%) | |
| 2025 | $2,477.00 (+3.04%) Homeowner's exemption | $92,800 | $185,600 |
| 2024 | $2,404.00 (+71.71%) | ||
| 2023 | $1,400.00 Homeowner's exemption | $76,400 | $152,800 |
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 3740 W Garrison Rd in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective April 12, 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 3740 W Garrison Rd 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: FCC Broadband Data Collection, based on 8 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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