Shiawassee County property record for 446 E Howard St, Owosso, MI 48867 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.13 acres (5,663 sqft) |
| Owner | Individual Name on File |
| Last Sale | $12,000 (Aug 2016) |
| Tax Bill | $1,705 (2025) |
| Deeds & Mortgages | May 2026 Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 050-680-003-002-00 |
| Primary APN | 050-680-003-002-00 |
|---|
| Lot Area | 5,663 sqft (0.13 acres) |
|---|
| Street Address | 446 E HOWARD ST |
|---|---|
| City | OWOSSO |
| State | MI |
| Zip | 48867-3606 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 2 BLK 3 WILLIAMS & LYONS ADD |
| Legal Subdivision | WILLIAMS & LYONS ADD |
| Legal Block | 3 |
| Legal Lot Number | 2 |
| Jurisdiction | SHIAWASSEE MI |
| Township / Civil Division | OWOSSO |
| Census Block Group | 3 |
| Census Block | 3013 |
| Census Tract | 30800 |
Source: Shiawassee County records · APN 050-680-003-002-00
Assessment roll updated July 16, 2026 · Last verified August 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 File |
|---|---|
| Mailing Address | 418 HUGGINS ST, OWOSSO, MI 48867-3610 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Aug 12, 2016 · Amount on Record |
| Deed Sale | Aug 12, 2016 · Amount on Record |
| Deed Document Number | 20163288627 |
| Deed Book / Page | 1225 / 372 |
| Prior Transfer Date | Aug 05, 2016 |
| Prior Transfer Doc | 0012250372 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHIAWASSEE MI |
| Recording Date | May 12, 2026 |
| Property Address | 446 E HOWARD ST, OWOSSO, MI 48867-3606 |
| Document Number | 0003403175 |
| Book / Page | 1338 / 596 |
| Instrument Date | May 08, 2026 |
| Instrument | 20263403175 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 418 HUGGINS ST, OWOSSO, MI 48867-3610 |
| Investor | Possibly a Property Investor |
| Document Number | 0003403175, |
|---|---|
| Date | May 12, 2026 |
| Book Page | 1338/596 |
| Instrument | 20263403175 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 01, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.37% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
Source: Shiawassee County records · Assessment roll updated July 16, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Shiawassee County |
| Municipality | Owosso City |
| Unified School District | Owosso Public Schools (KG - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $41,700 (+8.88%) | $83,400 (+8.88%) | |
| 2025 | $1,705.00 (+5.97%) Homeowner's exemption | $38,300 (+20.82%) | $76,600 (+20.82%) |
| 2024 | $1,609.00 | ||
| 2023 | $1,609.00 Homeowner's exemption Additional exemption filed | $31,700 | $63,400 |
Source: FEMA National Flood Hazard Layer, Shiawassee County (26155C), updated April 12, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 261550308003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Moderate |
| 500-Year Floodplain | Yes |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Nearby Flood Policies | 4 in force |
| Nearby Flood Claims | 1 (2023) |
| Most Recent Claim | Aug 2023, rainfall accumulation |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
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: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 430 locations within about half a mile of this property
| Provider | Technology | Download / Upload (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 USA | Fixed Wireless | 100 / 20 |
Availability varies by address; speeds are provider-advertised maximums, not measured.
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