Shiawassee County property record for 520 S Cedar St, Owosso, MI 48867
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $115,000 (Feb 2024) |
| Tax Bill | $2,449 (2025) |
| Deeds & Mortgages | Jul 2026 Line of Credit Feb 2024 Sale + 2 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 050-113-003-018-00 |
| Primary APN | 050-113-003-018-00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 1,270 sqft Living Area |
| 1st Floor Area | 840 sqft |
| Basement Area | 840 sqft |
| Unfinished Basement | 840 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Custom Design |
| Lot Area | 8,712 sqft (0.2 acres) |
| Garage Area | 288 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 520 S CEDAR ST |
|---|---|
| City | OWOSSO |
| State | MI |
| Zip | 48867-3404 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 17 BLK 3 CITY ASSESSORS PLAT 3 |
| Legal Subdivision | ASSESSORS 3 -CITY OF OWOSSO |
| Legal Block | 3 |
| Legal Lot Number | 17 |
| Jurisdiction | SHIAWASSEE MI |
| Township / Civil Division | OWOSSO |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 30700 |
Source: Shiawassee County records, as of October 20, 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 Record |
|---|---|
| Mailing Address | 520 S CEDAR ST, OWOSSO, MI 48867-3404 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 7, 2026 | Deed of Trust, Mortgage · Line of Credit NAVY FEDERAL CREDIT UNION |
| Feb 28, 2024 | Warranty Deed, Transfer ATA NATIONAL TITLE GROUP LLC |
| Aug 15, 2022 | Intrafamily Transfer, Transfer |
| Aug 15, 2022 | Intrafamily Transfer, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 28, 2024 · Amount on Record |
| Deed Sale | Feb 28, 2024 · Amount on Record |
| Deed Document Number | 20243378897 |
| Deed Book / Page | 1314 / 650 |
| Prior Transfer Date | Aug 8, 2022 |
| Prior Transfer Doc | 0012990531 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHIAWASSEE MI |
| Recording Date | Jul 7, 2026 |
| Property Address | 520 S CEDAR ST, OWOSSO, MI 48867-3404 |
| Document Number | 0003404906 |
| Book / Page | 1340 / 308 |
| Instrument Date | Jun 26, 2026 |
| Instrument | 20263404906 |
| Transaction Type | Mortgage |
| Record Updated | Jul 23, 2026 |
| Title Company | WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SER |
| Name | Verified Name |
|---|---|
| Address | 520 S CEDAR ST, OWOSSO, MI 48867-3404 |
| Document Number | 0003404906, |
|---|---|
| Date | Jul 7, 2026 |
| Book Page | 1340/308 |
| Instrument | 20263404906 |
| Name | NAVY FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | Jul 1, 2066 |
| Rate | 6.53% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SHIAWASSEE MI |
| Recording Date | Feb 28, 2024 |
| Property Address | 520 S CEDAR ST, OWOSSO, MI 48867-3404 |
| Document Number | 0013140650 |
| Book / Page | 1314 / 650 |
| Map Reference | LB 1 PG 43 |
| Instrument Date | Feb 23, 2024 |
| Instrument | 3378897 |
| Transaction Type | Transfer |
| Record Updated | Mar 14, 2024 |
| Title Company | ATA NATIONAL TITLE GROUP LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $862.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1640 MASON RD, OWOSSO, MI 48867-1363 |
| Name | Verified Name |
|---|---|
| Address | 241 N MAPLE ST APT 9, 9, FOWLER, MI 48835-5142 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SHIAWASSEE MI |
| Recording Date | Aug 15, 2022 |
| Property Address | 520 S CEDAR ST, OWOSSO, MI 48867-3404 |
| Document Number | 0012990531 |
| Book / Page | 1299 / 531 |
| Instrument Date | Aug 8, 2022 |
| Instrument | 3363490 |
| Transaction Type | Transfer |
| Record Updated | Sep 6, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 520 S CEDAR ST, 520, OWOSSO, MI 48867-3404 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 118 N ELM ST, OWOSSO, MI 48867-2638 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SHIAWASSEE MI |
| Recording Date | Aug 15, 2022 |
| Property Address | 520 S CEDAR ST, OWOSSO, MI 48867-3404 |
| Document Number | 0012990529 |
| Book / Page | 1299 / 529 |
| Instrument Date | Aug 8, 2022 |
| Instrument | 3363488 |
| Transaction Type | Transfer |
| Record Updated | Sep 6, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 520 S CEDAR ST, 520, OWOSSO, MI 48867-3404 |
| Name | Verified Name |
|---|---|
| Address | 520 S CEDAR ST, OWOSSO, MI 48867-3404 |
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 | $64,100 (+10.71%) | $128,200 (+10.71%) | |
| 2025 | $2,449.00 (-7.02%) Homeowner's exemption | $57,900 (+3.39%) | $115,800 (+3.39%) |
| 2024 | $2,634.00 | ||
| 2023 | $2,634.00 Homeowner's exemption | $56,000 | $112,000 |
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 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 Record 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.
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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures