515 E Exchange St, Owosso, MI 48867 Property Records

Shiawassee County property record for 515 E Exchange St, Owosso, MI 48867 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on File
Last Sale	$105,500 (Oct 2015)
Tax Bill	$2,914 (2025)
Deeds & Mortgages	Jun 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`050-666-000-031-00`

Property Details

APN / Parcel Number

Primary APN	`050-666-000-031-00`

Exterior

Lot Area	8,712 sqft (0.2 acres)

Location & Zoning

Street Address	515 E EXCHANGE ST
City	OWOSSO
State	MI
Zip	48867-3052
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 3 OUTLOT 7 AL & BO WILLIAMS SUB DIV OUTLOTS 6 & 7
Legal Subdivision	WILLIAMS SUB DIV
Legal Lot Number	3
Jurisdiction	SHIAWASSEE MI
Township / Civil Division	OWOSSO
Census Block Group	4
Census Block	4002
Census Tract	30500

Owner

Source: Shiawassee County records · APN 050-666-000-031-00

Assessment roll updated July 16, 2026 · Last verified July 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	515 E EXCHANGE ST, OWOSSO, MI 48867-3052
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Oct 14, 2015 · Amount on Record
Deed Sale	Oct 14, 2015 · Amount on Record
Prior Sale	Jul 11, 2012 · Amount on Record
Deed Document Number	20153278746
Deed Book / Page	1215 / 555
Record Updated	Sep 20, 2026

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHIAWASSEE MI
Recording Date	Jun 22, 2018
Property Address	515 E EXCHANGE ST, OWOSSO, MI 48867-3052
Document Number	0012470336
Book / Page	001247 / 000336
Instrument Date	Jun 20, 2018
Instrument	3310708
Transaction Type	Transfer
Record Updated	Jul 11, 2018
Title Company	LAWYERS TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$937.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	214 W PERRY ST DURAND MI 484291638, DURAND, MI 48429-1638

Mortgage

Document Number	12470337
Date	Jun 22, 2018
Book Page	001247/000337
Instrument	3310709

Lender

Name	HURON VLY FIN'L
Type	Funding / Finance Company
Address	ANN ARBOR, MI 48103

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 21, 2048

Tax Assessment & Valuation

Source: Shiawassee County records · Assessment roll updated July 16, 2026 · Last verified July 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

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		$108,400 (+11.98%)	$216,800 (+11.98%)
2025	$2,914.00 (+4.9%) Homeowner's exemption	$96,800 (+21%)	$193,600 (+21%)
2023	$2,778.00 Homeowner's exemption	$80,000	$160,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Shiawassee County (26155C), updated April 12, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 261550305004, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 54 individual NFIP policies nearby
Nearby Flood Policies	54 in force 47 of 54 on primary residences
Nearby Flood Claims	13 (1981–2004)
Claims Outside the SFHA	1 of 13
Most Recent Claim	May 2004, rainfall accumulation, Severe Storms, Tornadoes, And Flooding
Flood Events	Severe Storms, Tornadoes, And Flooding (May 2004), 6 claims

Wildfire

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.