Shiawassee County property record for 516 S Cedar St, Owosso, MI 48867
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,268 sqft · built 1945 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Individual Name on File |
| Last Sale | $170,000 (Sep 2025) |
| Tax Bill | $3,501 (2025) |
| Deeds & Mortgages | Dec 2022 Second Mortgage May 2020 Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 050-113-003-017-00 |
| Primary APN | 050-113-003-017-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 1,268 sqft Living Area |
| 1st Floor Area | 932 sqft |
| Basement Area | 932 sqft |
| Unfinished Basement | 932 sqft |
| Year Built | Built 1945 |
|---|---|
| Effective Year Built | Effective 1945 |
| Architectural Style | Custom Design |
| Lot Area | 8,712 sqft (0.2 acres) |
| Heating System | Space Heater |
|---|
| Street Address | 516 S CEDAR ST |
|---|---|
| City | OWOSSO |
| State | MI |
| Zip | 48867-3404 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 16 BLK 3 CITY ASSESSORS PLAT 3 |
| Legal Subdivision | ASSESSORS 3 -CITY OF OWOSSO |
| Legal Block | 3 |
| Legal Lot Number | 16 |
| Jurisdiction | SHIAWASSEE MI |
| Township / Civil Division | OWOSSO |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 30700 |
516 S Cedar St is owned and occupied by an individual who bought it in September 2025.
Source: Shiawassee County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 5720 E RUSSELL LAKE RD, SAINT HELEN, MI 48656-9551 |
| 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.
| Date | Document |
|---|---|
| Dec 15, 2022 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage FRANKENMUTH CU |
| May 7, 2020 | Deed of Trust, Mortgage · Commercial Mortgage CHEMICAL BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 4, 2025 · Amount on File |
| Deed Sale | Sep 4, 2025 · Amount on File |
| Prior Sale | Nov 27, 2024 · Amount on File |
| Deed Document Number | 20253395161 |
| Deed Book / Page | 1330 / 715 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHIAWASSEE MI |
| Property Address | 516 S CEDAR ST, OWOSSO, MI 48867-3404 |
| Transaction Type | Mortgage |
| Record Updated | Jan 2, 2023 |
| Name | Verified Name |
|---|---|
| Address | 516 S CEDAR ST, OWOSSO, MI 48867-3404 |
| Document Number | 0013020966 |
|---|---|
| Date | Dec 15, 2022 |
| Book Page | 1302/966 |
| Instrument | 3366991 |
| Name | FRANKENMUTH CU |
|---|---|
| Type | Credit Union |
| Address | FRANKENMUTH, MI 48734 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Jan 1, 2038 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHIAWASSEE MI |
| Property Address | 516 S CEDAR ST, OWOSSO, MI 48867-3404 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0012680769 |
|---|---|
| Date | May 7, 2020 |
| Book Page | 1268/769 |
| Instrument | 3332411 |
| Name | CHEMICAL BANK |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57106 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 516 S Cedar St was $3,501 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 | $65,800 (+13.64%) | $131,600 (+13.64%) | |
| 2025 | $3,501.00 Homeowner's exemption | $57,900 | $115,800 |
| 2023 | $1,549.00 Homeowner's exemption | $47,900 | $95,800 |
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.
FEMA maps place 516 S Cedar St in Zone X, an area of moderate 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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 35 policies |
| Nearby Flood Policies | 35 in force |
| Nearby Flood Claims | 15 (1981–2009) |
| Claims Outside the SFHA | 2 of 15 |
| Most Recent Claim | Apr 2009 · rainfall accumulation |
| Claims by Event |
|
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.
The area around 516 S Cedar St 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.
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 400 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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