Shiawassee County property record for 3840 W Garrison Rd, Owosso, MI 48867
| Property Type | Single Family Home |
|---|---|
| Lot Size | 2.4 acres (104,544 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $190,000 (May 2004) |
| Tax Bill | $3,119 (2025) |
| Deeds & Mortgages | Aug 2019 Mortgage Dec 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-09-300-002 |
| Primary APN | 010-09-300-002 |
|---|---|
| Alternative APN |
|
| Lot Area | 104,544 sqft (2.4 acres) |
|---|
| Street Address | 3840 W GARRISON RD |
|---|---|
| City | OWOSSO |
| State | MI |
| Zip | 48867-9245 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SEC 9 T6N R2E COM AT SE COR OF SW 14 OF SW 14 N 13.5 RDS W 29 RDS S 13.5 RDS E 29 RDS TO BEG 2.4 ACRES |
| 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 |
Source: Shiawassee County records, as of July 16, 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 | 3840 W GARRISON RD, OWOSSO, MI 48867-9245 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 22, 2019 | Deed of Trust, Mortgage · Conventional Mortgage OTHER INSTITUTIONAL LENDERS |
| Dec 4, 2018 | Warranty Deed, Transfer · Conventional Mortgage OTHER INSTITUTIONAL LENDERS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 5, 2004 · Amount on Record |
| Deed Sale | May 5, 2004 · Amount on Record |
| Deed Document Number | 20043121549 |
| Deed Book / Page | 1059 / 942 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHIAWASSEE MI |
| Property Address | 3840 W GARRISON RD, OWOSSO, MI 48867-9245 |
| Document Number | 0012600483 |
| Instrument Date | Aug 22, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Sep 24, 2019 |
| Title Company | ATA NATIONAL TITLE GROUP LLC, ATA NAT'L TITLE GROUP LLC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3840 W GARRISON RD OWOSSO MI 488679245, OWOSSO, MI 48867-9245 |
| Document Number | 0012600483 |
|---|---|
| Date | Aug 28, 2019 |
| Book Page | 001260/000483 |
| Instrument | 3324047 |
| Name | OTHER INSTITUTIONAL LENDERS |
|---|---|
| Type | Bank |
| Address | STERLING HEIGHTS, MI 48314 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 27, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SHIAWASSEE MI |
| Recording Date | Dec 4, 2018 |
| Property Address | 3840 W GARRISON RD, OWOSSO, MI 48867-9245 |
| Document Number | 0012520298 |
| Book / Page | 001252 / 000298 |
| Instrument Date | Nov 30, 2018 |
| Instrument | 150599 |
| Transaction Type | Transfer |
| Record Updated | Jan 24, 2019 |
| Title Company | TRANSACTION TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,537.50 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3840 W GARRISON RD OWOSSO MI 488679245, OWOSSO, MI 48867-9245 |
| Document Number | 12520299 |
|---|---|
| Date | Dec 4, 2018 |
| Book Page | 001252/000299 |
| Instrument | 3315712 |
| Name | OTHER INSTITUTIONAL LENDERS |
|---|---|
| Type | Bank |
| Address | STERLING HEIGHTS, MI 48314 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 3, 2048 |
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 | $163,500 (+12.53%) | $327,000 (+12.53%) | |
| 2025 | $3,119.00 (+2.94%) Homeowner's exemption | $145,300 (+22%) | $290,600 (+22%) |
| 2024 | $3,030.00 (+9.07%) | ||
| 2023 | $2,778.00 Homeowner's exemption | $119,100 | $238,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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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