Shiawassee County property record for 397 N Chipman St, Owosso, MI 48867
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,048 sqft · built 1930 |
| Lot Size | 0.34 acres (14,810 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,849 (2025) |
| Deeds & Mortgages | Feb 2026 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 050-537-000-034-00 |
| Primary APN | 050-537-000-034-00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 2,048 sqft Living Area |
| 1st Floor Area | 1,024 sqft |
| Basement Area | 256 sqft |
| Unfinished Basement | 256 sqft |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1930 |
| Lot Area | 14,810 sqft (0.34 acres) |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 397 N CHIPMAN ST |
|---|---|
| City | OWOSSO |
| State | MI |
| Zip | 48867-2137 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SEC 14 COM ON W LN OF CHIPMAN ST AT E & W 18 LN TH S 60' TH CONT SE ALG W LN CHIPMAN ST TO A PT 190' N OF INTERSEC OF W LN OF |
| Jurisdiction | SHIAWASSEE MI |
| Township / Civil Division | OWOSSO |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 30400 |
397 N Chipman St is owned and occupied by two individuals.
Source: Shiawassee County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 397 N CHIPMAN ST, OWOSSO, MI 48867-2137 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHIAWASSEE MI |
| Property Address | 397 N CHIPMAN ST, OWOSSO, MI 48867-2137 |
| Transaction Type | Mortgage |
| Record Updated | Mar 6, 2026 |
| Name | Verified Name |
|---|---|
| Address | 397 N CHIPMAN ST, OWOSSO, MI 48867-2137 |
| Document Number | 0013350515 |
|---|---|
| Date | Feb 23, 2026 |
| Book Page | 1335/515 |
| Instrument | 3400072 |
| Name | NEWREZ LLC |
|---|---|
| Type | Mortgage Company |
| Address | FORT WASHINGTON, PA 19034 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2056 |
The 2025 property tax bill for 397 N Chipman St was $1,849 with a homeowner's exemption.
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 | $70,700 (+7.77%) | $141,400 (+7.77%) | |
| 2025 | $1,849.00 Homeowner's exemption Additional exemption filed | $65,600 | $131,200 |
| 2023 | $1,730.00 Homeowner's exemption Additional exemption filed | $53,300 | $106,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 397 N Chipman St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective April 12, 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| 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 397 N Chipman St 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 98% of the US · lower than 95% of Michigan |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 243 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 |
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