Shiawassee County property record for 515 River St, Owosso, MI 48867
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,440 sqft · built 1920 |
| Lot Size | 0.14 acres (6,098 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $89,000 (Sep 2002) |
| Tax Bill | $1,993 (2025) |
| Deeds & Mortgages | Jun 2026 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 050-120-004-002-00 |
| Primary APN | 050-120-004-002-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 1,440 sqft Living Area |
| 1st Floor Area | 720 sqft |
| Basement Area | 720 sqft |
| Unfinished Basement | 720 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Custom Design |
| Lot Area | 6,098 sqft (0.14 acres) |
| Garage Area | 252 sqft |
| Street Address | 515 RIVER ST |
|---|---|
| City | OWOSSO |
| State | MI |
| Zip | 48867-2658 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 1 BLK 4 EX THE W 85' LUCY L COMSTOCK S ADD INCLUDING 12 CLOSED ALLEY |
| Legal Subdivision | LUCY L COMSTOCK S ADD |
| Legal Block | 4 |
| Legal Lot Number | 1 |
| Jurisdiction | SHIAWASSEE MI |
| Township / Civil Division | OWOSSO |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 30600 |
515 River St is owned and occupied by two individuals who bought it in September 2002.
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 File |
|---|---|
| Mailing Address | 515 RIVER ST, OWOSSO, MI 48867-2658 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 20, 2002 · Amount on File |
| Deed Sale | Sep 20, 2002 · Amount on File |
| Deed Document Number | 20023081304 |
| Deed Book / Page | 1020 / 64 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHIAWASSEE MI |
| Recording Date | Jun 11, 2026 |
| Property Address | 515 RIVER ST, OWOSSO, MI 48867-2658 |
| Document Number | 0003404165 |
| Book / Page | 1339 / 566 |
| Instrument Date | Jun 1, 2026 |
| Instrument | 20263404165 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 515 RIVER ST, OWOSSO, MI 48867-2658 |
| Document Number | 0003404165, |
|---|---|
| Date | Jun 11, 2026 |
| Book Page | 1339/566 |
| Instrument | 20263404165 |
| Name | ADVENTURE CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | May 18, 2036 |
| Rate | 6.3% |
|---|---|
| Max Rate | -1% |
The 2025 property tax bill for 515 River St was $1,993 with a homeowner's exemption.
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 | $78,900 (+12.23%) | $157,800 (+12.23%) | |
| 2025 | $1,993.00 Homeowner's exemption | $70,300 | $140,600 |
| 2023 | $1,860.00 Homeowner's exemption | $56,600 | $113,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 515 River St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
| 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.
Wildfire risk around 515 River St is low, with less than a 0.01% annual chance of wildfire.
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 |
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