400 Gilbert St, Owosso, MI 48867 Property Records

Shiawassee County property record for 400 Gilbert St, Owosso, MI 48867

Property Summary

Property Type	Single Family Home
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on Record
Last Sale	$170,000 (Jan 2022)
Tax Bill	$3,096 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Jan 2024 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`050-111-007-005-00`

Property Details

APN / Parcel Number

Primary APN	`050-111-007-005-00`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	1,858 sqft Living Area
1st Floor Area	1,394 sqft

Exterior

Year Built	Built 1885
Effective Year Built	Effective 1885
Architectural Style	Custom Design
Lot Area	8,712 sqft (0.2 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	400 GILBERT ST
City	OWOSSO
State	MI
Zip	48867-2434
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 5 BLK 7 CITY ASSESSORS PLAT 1
Legal Subdivision	ASSESSORS 1 -CITY OF OWOSSO
Legal Block	7
Legal Lot Number	5
Jurisdiction	SHIAWASSEE MI
Township / Civil Division	OWOSSO
Census Block Group	3
Census Block	3013
Census Tract	30500

Owner

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	Individual Name on Record
Mailing Address	400 GILBERT ST, OWOSSO, MI 48867-2434
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 2, 2026	Deed of Trust, Mortgage · FHA Mortgage NONE LISTED ON DOCUMENT
Jan 5, 2024	Deed of Trust, Mortgage · FHA Mortgage JACKSON FLAGSTAR CENTRE OFFICE
Jan 4, 2022	Warranty Deed, Transfer · FHA Mortgage MORTGAGE 1 INC
Mar 29, 2021	Warranty Deed, Transfer ATA NATIONAL TITLE GROUP LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 4, 2022 · Amount on Record
Deed Sale	Jan 4, 2022 · Amount on Record
Prior Sale	Mar 29, 2021 · Amount on Record
Deed Document Number	20223355318
Deed Book / Page	1291 / 418
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHIAWASSEE MI
Recording Date	Apr 2, 2026
Property Address	400 GILBERT ST, OWOSSO, MI 48867-2434
Document Number	0003401230
Book / Page	1336 / 670
Instrument Date	Mar 27, 2026
Instrument	20263401230
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	400 GILBERT ST, OWOSSO, MI 48867-2434

Mortgage

Document Number	0003401230,
Date	Apr 2, 2026
Book Page	1336/670
Instrument	20263401230

Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	309 Months
Due	Jan 1, 2052

Interest

Rate	5.98%
Max Rate	-1%

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHIAWASSEE MI
Property Address	400 GILBERT ST, OWOSSO, MI 48867-2434
Transaction Type	Mortgage
Record Updated	Jan 18, 2024
Title Company	TIMIOS INC, TIMIOS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	400 GILBERT ST, OWOSSO, MI 48867-2434

Mortgage

Document Number	0013130371
Date	Jan 5, 2024
Book Page	1313/371
Instrument	3377601

Lender

Name	JACKSON FLAGSTAR CENTRE OFFICE
Type	Bank
Address	8800 BAYMEADOWS WAY W STE 400, JACKSONVILLE, FL 32256

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	336 Months
Due	Jan 1, 2052

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHIAWASSEE MI
Recording Date	Jan 4, 2022
Property Address	400 GILBERT ST, OWOSSO, MI 48867-2434
Document Number	0012910418
Book / Page	1291 / 418
Map Reference	LB 1 PG 34
Instrument Date	Dec 29, 2021
Instrument	3355318
Transaction Type	Transfer
Record Updated	Jan 19, 2022
Title Company	ATA NATIONAL TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,275.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1208 BROADWAY AVE, OWOSSO, MI 48867-4508

Mortgage

Document Number	0003355319
Date	Jan 4, 2022
Instrument	3355319

Lender

Name	MORTGAGE 1 INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2052

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHIAWASSEE MI
Recording Date	Mar 29, 2021
Property Address	400 GILBERT ST, OWOSSO, MI 48867-2434
Document Number	0012800201
Book / Page	1280 / 201
Map Reference	LB 1 PG 34
Instrument Date	Mar 26, 2021
Instrument	3343967
Transaction Type	Transfer
Record Updated	May 25, 2021
Title Company	ATA NATIONAL TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Tax	$600.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 262, VERNON, MI 48476-0262

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1301 STATE ST, OWOSSO, MI 48867-4207

Tax Assessment & Valuation

Source: Shiawassee County assessment roll, as of July 16, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Shiawassee County
Municipality	Owosso City
Unified School District	Owosso Public Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$98,500 (+12.83%)	$197,000 (+12.83%)
2025	$3,096.00 (+4.91%) Homeowner's exemption	$87,300 (+21.25%)	$174,600 (+21.25%)
2024	$2,951.00
2023	$2,951.00 Homeowner's exemption	$72,000	$144,000

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.

Flood

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

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 302 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 · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

Nearby Properties on Gilbert St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures