5115 Colby Rd, Owosso, MI 48867 Property Records

Shiawassee County property record for 5115 Colby Rd, Owosso, MI 48867

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,962 sqft · built 1880
Lot Size	1.4 acres (60,984 sqft)
Owner	Individual Name on File
Tax Bill	$1,802 (2025)
Deeds & Mortgages	Feb 2026 Mortgage Jan 2021 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`011-17-100-003-01`

Property Details

APN / Parcel Number

Primary APN	`011-17-100-003-01`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	2,962 sqft Living Area
1st Floor Area	1,481 sqft
Basement Area	745 sqft
Unfinished Basement	745 sqft

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Lot Area	60,984 sqft (1.4 acres)
Garage Area	600 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	5115 COLBY RD
City	OWOSSO
State	MI
Zip	48867-9715
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SEC 17 T6N R3E COM AT PT WHICH IS S 509.87 FT FROM NW 14 POST OF SEC E 283 FT S 220 FT W 283 FT N 220 FT TO BEG 1.4 ACRES 201
Legal Range	03E
Legal Township	06N
Legal Section	17
Jurisdiction	SHIAWASSEE MI
Township / Civil Division	SHIAWASSEE
Census Block Group	1
Census Block	1047
Census Tract	31302

Owner

5115 Colby Rd is owned and occupied by an individual.

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

Owner of Record	Individual Name on File
Mailing Address	5115 COLBY RD, OWOSSO, MI 48867-9715
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

Date	Document
Feb 20, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Jan 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE LLC
Sep 20, 2019	Deed of Trust, Mortgage PFCU
Sep 20, 2019	Deed of Trust, Mortgage · Line of Credit PFCU
Feb 28, 2019	Deed of Trust, Mortgage · Line of Credit INDEPENDENT BK
Sep 27, 2018	Deed of Trust, Mortgage OTHER INSTITUTIONAL LENDERS

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHIAWASSEE MI
Property Address	5115 COLBY RD, OWOSSO, MI 48867-9715
Transaction Type	Mortgage
Record Updated	Mar 3, 2026
Title Company	ET

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5115 COLBY RD, OWOSSO, MI 48867-9715

Mortgage

Document Number	0013350493
Date	Feb 20, 2026
Book Page	1335/493
Instrument	3400050

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2056

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHIAWASSEE MI
Property Address	5115 COLBY RD, OWOSSO, MI 48867-9715
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ATA NATIONAL TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5115 COLBY RD, OWOSSO, MI 48867-9715

Mortgage

Document Number	0012770373
Date	Jan 14, 2021
Book Page	1277/373
Instrument	3341109

Lender

Name	UNITED WHOLESALE MORTGAGE LLC
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	133 Months
Due	Feb 1, 2032

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHIAWASSEE MI
Property Address	5115 COLBY RD, OWOSSO, MI 48867-9715
Document Number	0012610599
Instrument Date	Sep 20, 2019
Transaction Type	Mortgage
Record Updated	Oct 15, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5115 COLBY RD OWOSSO MI 488679715, OWOSSO, MI 48867-9715

Mortgage

Document Number	0012610599
Date	Sep 30, 2019
Book Page	001261/000599
Instrument	3325166

Lender

Name	PFCU
Address	PORTLAND, MI 48875

Agreement

Amount	Amount on Record
Term	180 Months
Due	Sep 29, 2034

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHIAWASSEE MI
Property Address	5115 COLBY RD, OWOSSO, MI 48867-9715
Document Number	0012610600
Instrument Date	Sep 20, 2019
Transaction Type	Mortgage
Record Updated	Oct 15, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5115 COLBY RD OWOSSO MI 488679715, OWOSSO, MI 48867-9715

Mortgage

Document Number	0012610600
Date	Sep 30, 2019
Book Page	001261/000600
Instrument	3325167

Lender

Name	PFCU
Address	PORTLAND, MI 48875

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHIAWASSEE MI
Property Address	5115 COLBY RD, OWOSSO, MI 48867-9715
Document Number	0012540521
Instrument Date	Feb 28, 2019
Transaction Type	Mortgage
Record Updated	Mar 19, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5115 COLBY RD OWOSSO MI 488679715, OWOSSO, MI 48867-9715

Mortgage

Document Number	0012540521
Date	Mar 5, 2019
Book Page	001254/000521
Instrument	3318030

Lender

Name	INDEPENDENT BK
Type	Bank
Address	GRAND RAPIDS, MI 49525

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHIAWASSEE MI
Property Address	5115 COLBY RD, OWOSSO, MI 48867-9715
Document Number	0012500712
Instrument Date	Sep 27, 2018
Transaction Type	Mortgage
Record Updated	Oct 24, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5115 COLBY RD OWOSSO MI 488679715, OWOSSO, MI 48867-9715

Mortgage

Document Number	0012500712
Date	Oct 5, 2018
Book Page	001250/000712
Instrument	3314095

Lender

Name	OTHER INSTITUTIONAL LENDERS
Type	Bank
Address	STERLING HEIGHTS, MI 48314

Agreement

Amount	Amount on Record
Term	180 Months
Due	Oct 4, 2033

Tax Assessment & Valuation

The 2025 property tax bill for 5115 Colby Rd was $1,802 with a homeowner's exemption, up 2.7% from the year before.

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

Property Jurisdictions

Type	Name
State	Michigan
County	Shiawassee County
County Subdivision	Shiawassee Township
Unified School District	Corunna Public School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$119,000 (+2.76%)	$238,000 (+2.76%)
2025	$1,802.00 (+2.68%) Homeowner's exemption	$115,800	$231,600
2024	$1,755.00 (+10.17%)
2023	$1,593.00 Homeowner's exemption	$98,000	$196,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 5115 Colby Rd in Zone X, an area of minimal flood risk.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force

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

The area around 5115 Colby Rd has no burnable land within ember reach, so its wildfire risk is not rated.

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 11 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Verizon Fixed Wireless	25 / 6
AT&T Fixed Wireless	25 / 3

May also be available: DayStarr, T-Mobile.

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