Shiawassee County property record for 512 River St, Owosso, MI 48867
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 696 sqft · built 1935 |
| Lot Size | 0.11 acres (4,792 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $72,000 (Aug 2022) |
| Tax Bill | $1,006 (2025) |
| Deeds & Mortgages | Mar 2024 Mortgage Jul 2023 Mortgage + 2 more |
| Flood Zone | Zone AE (high risk) |
| APN | 050-120-001-007-00 |
| Primary APN | 050-120-001-007-00 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 696 sqft Living Area |
| 1st Floor Area | 542 sqft |
| Year Built | Built 1935 |
|---|---|
| Effective Year Built | Effective 1935 |
| Lot Area | 4,792 sqft (0.11 acres) |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 512 RIVER ST |
|---|---|
| City | OWOSSO |
| State | MI |
| Zip | 48867-2659 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | E 12 LOT 7 BLK 1 LUCY L COMSTOCKS ADD |
| Legal Subdivision | LUCY L COMSTOCKS ADD |
| Legal Block | 1 |
| Legal Lot Number | 7 |
| Jurisdiction | SHIAWASSEE MI |
| Township / Civil Division | OWOSSO |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 30600 |
Source: Shiawassee County records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 512 RIVER ST, OWOSSO, MI 48867-2659 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 25, 2024 | Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC |
| Jul 7, 2023 | Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC |
| Aug 4, 2022 | Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER LLC |
| Aug 5, 2022 | Warranty Deed, Transfer ARROW TITLE AGENCY LLC, GARROW TITLE AGENCY LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 5, 2022 · Amount on Record |
| Deed Sale | Aug 5, 2022 · Amount on Record |
| Deed Document Number | 20223363224 |
| Deed Book / Page | 1299 / 265 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHIAWASSEE MI |
| Property Address | 512 RIVER ST, OWOSSO, MI 48867-2659 |
| Transaction Type | Mortgage |
| Record Updated | Apr 12, 2024 |
| Title Company | NOT AVAILABLE, AMERICAS SETTLEMENT COMPANY |
| Name | Verified Name |
|---|---|
| Address | 512 RIVER ST, OWOSSO, MI 48867-2659 |
| Document Number | 0013150353 |
|---|---|
| Date | Mar 25, 2024 |
| Book Page | 1315/353 |
| Instrument | 3379600 |
| Name | NEW DAY FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Address | 360 S ROSEMARY AVE STE 1900, WEST PALM BEACH, FL 33401 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHIAWASSEE MI |
| Property Address | 512 RIVER ST, OWOSSO, MI 48867-2659 |
| Transaction Type | Mortgage |
| Record Updated | Aug 1, 2023 |
| Title Company | NOT AVAILABLE, AMERICAS SETTLEMENT COMPANY |
| Name | Verified Name |
|---|---|
| Address | 512 RIVER ST, OWOSSO, MI 48867-2659 |
| Document Number | 0013080602 |
|---|---|
| Date | Jul 7, 2023 |
| Book Page | 1308/602 |
| Instrument | 3372735 |
| Name | NEW DAY FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Address | FULTON, MD 20759 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHIAWASSEE MI |
| Property Address | 512 RIVER ST, OWOSSO, MI 48867-2659 |
| Transaction Type | Mortgage |
| Record Updated | Jan 19, 2023 |
| Name | Verified Name |
|---|---|
| Address | 8399 W ROLSTON RD, LINDEN, MI 48451-9772 |
| Document Number | 0012990194 |
|---|---|
| Date | Aug 4, 2022 |
| Book Page | 1299/194 |
| Instrument | 3363153 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Address | COLUMBIA, MO 65203 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SHIAWASSEE MI |
| Recording Date | Aug 5, 2022 |
| Property Address | 512 RIVER ST, OWOSSO, MI 48867-2659 |
| Document Number | 0012990265 |
| Book / Page | 1299 / 265 |
| Map Reference | LB Y PG 639 |
| Instrument Date | Aug 3, 2022 |
| Instrument | 3363224 |
| Transaction Type | Transfer |
| Record Updated | Jan 19, 2023 |
| Title Company | ARROW TITLE AGENCY LLC, GARROW TITLE AGENCY LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $540.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2358 W GRAND RIVER RD, OWOSSO, MI 48867-8703 |
| Name | Verified Name |
|---|---|
| Address | 512 RIVER ST, OWOSSO, MI 48867-2659 |
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 | $31,400 (+9.41%) | $62,800 (+9.41%) | |
| 2025 | $1,006.00 (+8.76%) Homeowner's exemption | $28,700 (+35.38%) | $57,400 (+35.38%) |
| 2023 | $925.00 Homeowner's exemption | $21,200 | $42,400 |
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 AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 1 (2004) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jun 2004 · river or lake flooding |
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 | 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.
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 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures