Shiawassee County property record for 432 E Exchange St, Owosso, MI 48867
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $89,040 (Apr 2005) |
| Tax Bill | $1,937 (2025) |
| Deeds & Mortgages | Jul 2026 Sale Jul 2026 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 050-666-000-016-00 |
| Primary APN | 050-666-000-016-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 1,525 sqft Living Area |
| 1st Floor Area | 997 sqft |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1940 |
| Architectural Style | Custom Design |
| Lot Area | 8,712 sqft (0.2 acres) |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 432 E EXCHANGE ST |
|---|---|
| City | OWOSSO |
| State | MI |
| Zip | 48867-3013 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 14 OUTLOT 6 AL & BO WILLIAMS SUBDIV OUTLOT 6 & 7 |
| Legal Subdivision | WILLIAMS SUBDIV |
| Legal Lot Number | 14 |
| Jurisdiction | SHIAWASSEE MI |
| Township / Civil Division | OWOSSO |
| Census Block Group | 4 |
| Census Block | 4012 |
| Census Tract | 30500 |
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 | 432 E EXCHANGE ST, OWOSSO, MI 48867-3013 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 22, 2026 | Contract Sale, Transfer NONE LISTED ON DOCUMENT |
| Jul 22, 2026 | Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 18, 2005 · Amount on Record |
| Deed Sale | Apr 18, 2005 · Amount on Record |
| Deed Document Number | 20053139210 |
| Deed Book / Page | 1077 / 288 |
| Last Transfer Date | Sep 26, 2012 |
| Transfer Doc | 0003240559 |
| Record Updated | Oct 29, 2026 |
| Document Type | Contract Sale |
|---|---|
| Jurisdiction | SHIAWASSEE MI |
| Recording Date | Jul 22, 2026 |
| Property Address | 432 E EXCHANGE ST, OWOSSO, MI 48867-3013 |
| Document Number | 0003405420 |
| Book / Page | 1340 / 806 |
| Instrument Date | May 22, 2026 |
| Instrument | 20263405420 |
| Transaction Type | Transfer |
| Record Updated | Aug 6, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 432 E EXCHANGE ST, OWOSSO, MI 48867-3013 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SHIAWASSEE MI |
| Recording Date | Jul 22, 2026 |
| Property Address | 432 E EXCHANGE ST, OWOSSO, MI 48867-3013 |
| Document Number | 0003405422 |
| Book / Page | 1340 / 808 |
| Instrument Date | Feb 26, 2026 |
| Instrument | 20263405422 |
| Transaction Type | Transfer |
| Record Updated | Aug 31, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 5753 S COREY RD, PERRY, MI 48872-9310 |
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 | $62,300 (+9.49%) | $124,600 (+9.49%) | |
| 2025 | $1,937.00 (+6.72%) Homeowner's exemption | $56,900 (+28.73%) | $113,800 (+28.73%) |
| 2023 | $1,815.00 Homeowner's exemption | $44,200 | $88,400 |
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.
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 minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 54 policies |
| Nearby Flood Policies | 54 in force |
| Nearby Flood Claims | 13 (1981–2004) |
| Claims Outside the SFHA | 1 of 13 |
| Most Recent Claim | May 2004 · Severe Storms, Tornadoes, And Flooding |
| Claims by Event |
|
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.
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.
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 471 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures