Shiawassee County property record for 525 Grace St, Owosso, MI 48867
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.32 acres (13,939 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $87,000 (Jul 2004) |
| Tax Bill | $1,246 (2025) |
| Deeds & Mortgages | Sep 2025 Line of Credit Dec 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 050-070-005-005-00 |
| Primary APN | 050-070-005-005-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 976 sqft Living Area |
| 1st Floor Area | 976 sqft |
| Basement Area | 1,130 sqft |
| Unfinished Basement | 1,130 sqft |
| Year Built | Built 1915 |
|---|---|
| Effective Year Built | Effective 1915 |
| Lot Area | 13,939 sqft (0.32 acres) |
| Lot Dimensions | 132 ft deep x 106 ft wide |
| Garage Area | 960 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 525 GRACE ST |
|---|---|
| City | OWOSSO |
| State | MI |
| Zip | 48867-4332 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 4 BLK 5 BUSHS ADD & LOT 186 GRAND VIEW ADD INCL 12 CLOSED ALLEY ADJ LOT 186. |
| Legal Subdivision | BUSHS ADD |
| Legal Block | 5 |
| Legal Lot Number | 4,186 |
| Jurisdiction | SHIAWASSEE MI |
| Township / Civil Division | OWOSSO |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 30800 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 525 GRACE ST, OWOSSO, MI 48867-4332 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 12, 2025 | Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK |
| Dec 26, 2019 | Warranty Deed, Transfer · Conventional with PMI PFCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 7, 2004 · Amount on Record |
| Deed Sale | Jul 7, 2004 · Amount on Record |
| Deed Document Number | 20043125023 |
| Deed Book / Page | 1063 / 375 |
| Last Transfer Date | Jan 8, 2013 |
| Transfer Doc | 00118200629 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHIAWASSEE MI |
| Property Address | 525 GRACE ST, OWOSSO, MI 48867-4332 |
| Transaction Type | Mortgage |
| Record Updated | Sep 26, 2025 |
| Name | Verified Name |
|---|---|
| Address | 525 GRACE ST, OWOSSO, MI 48867-4332 |
| Document Number | 0013300935 |
|---|---|
| Date | Sep 12, 2025 |
| Book Page | 1330/935 |
| Instrument | 3395382 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43231 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 4, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SHIAWASSEE MI |
| Recording Date | Dec 26, 2019 |
| Property Address | 525 GRACE ST, OWOSSO, MI 48867-4332 |
| Document Number | 0012640400 |
| Book / Page | 001264 / 000400 |
| Instrument Date | Dec 11, 2019 |
| Instrument | 3328029 |
| Transaction Type | Transfer |
| Record Updated | Jan 14, 2020 |
| Title Company | ATA NATIONAL TITLE GROUP LLC, ATA NAT'L TITLE GROUP LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $300.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 525 GRACE ST OWOSSO MI 488674332, OWOSSO, MI 48867-4332 |
| Document Number | 12640401 |
|---|---|
| Date | Dec 26, 2019 |
| Book Page | 001264/000401 |
| Instrument | 3328030 |
| Name | PFCU |
|---|---|
| Address | PORTLAND, MI 48875 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Dec 25, 2034 |
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 | $47,200 (+10.54%) | $94,400 (+10.54%) | |
| 2025 | $1,246.00 (+2.05%) Homeowner's exemption | $42,700 (+21.65%) | $85,400 (+21.65%) |
| 2023 | $1,221.00 Homeowner's exemption | $35,100 | $70,200 |
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 minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 5 (1981–1985) |
| Most Recent Claim | Feb 1985 · tidal / storm surge |
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 |
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