409 W Williams St, Owosso, MI 48867 Property Records

Shiawassee County property record for 409 W Williams St, Owosso, MI 48867

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,974 sqft · built 1926
Lot Size	0.53 acres (23,087 sqft)
Owner	Individual Name on File
Last Sale	$142,000 (Oct 2003)
Tax Bill	$2,101 (2025)
Deeds & Mortgages	Dec 2020 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`050-470-038-003-00`

Property Details

APN / Parcel Number

Primary APN	`050-470-038-003-00`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	1,974 sqft Living Area
1st Floor Area	1,092 sqft
Basement Area	1,092 sqft
Unfinished Basement	1,092 sqft

Exterior

Year Built	Built 1926
Effective Year Built	Effective 1926
Architectural Style	Custom Design
Lot Area	23,087 sqft (0.53 acres)
Garage Area	504 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	409 W WILLIAMS ST
City	OWOSSO
State	MI
Zip	48867-2235
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM 478.5' W OF SW COR OF WILLIAMS & WATER STS S TO SHIA RIV W'LY AL'G RIV TO E LN BLK 37 TH N TO WILLIAMS ST E 7 RODS TO BEG
Legal Subdivision	ORIGINAL PLAT OF OWOSSO
Legal Block	37-38
Jurisdiction	SHIAWASSEE MI
Township / Civil Division	OWOSSO
Census Block Group	2
Census Block	2008
Census Tract	30600

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Owosso Downtown Historic District listed 2014 · 91 contributing resources · NRIS 14000126

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

409 W Williams St is owned and occupied by an individual who bought it in October 2003.

Source: Shiawassee County records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	409 W WILLIAMS ST, OWOSSO, MI 48867-2235
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 22, 2003 · Amount on File
Deed Sale	Oct 22, 2003 · Amount on File
Prior Sale	Oct 22, 2003 · Amount on File
Deed Document Number	20033110748
Deed Book / Page	1049 / 223
Prior Transfer Date	Oct 16, 2003
Prior Transfer Doc	0003110747
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHIAWASSEE MI
Property Address	409 W WILLIAMS ST, OWOSSO, MI 48867-2235
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ATA NATIONAL TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 W WILLIAMS ST, OWOSSO, MI 48867-2235

Mortgage

Document Number	0012760718
Date	Dec 28, 2020
Book Page	1276/718
Instrument	3340453

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jan 1, 2036

Tax Assessment & Valuation

The 2025 property tax bill for 409 W Williams St was $2,101 with a homeowner's exemption.

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		$81,200 (+8.85%)	$162,400 (+8.85%)
2025	$2,101.00 Homeowner's exemption	$74,600	$149,200
2023	$2,075.00 Homeowner's exemption	$62,300	$124,600

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

FEMA maps place 409 W Williams St in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	2 (1981–1982)
Most Recent Claim	Mar 1982 · rainfall accumulation

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.

Wildfire

Wildfire risk around 409 W Williams 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.

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 351 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