Shiawassee County property record for 537 Gilbert St, Owosso, MI 48867
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $91,234 (Sep 2021) |
| Tax Bill | $2,006 (2025) |
| Deeds & Mortgages | Jan 2022 Mortgage Sep 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 050-111-002-018-00 |
| Primary APN | 050-111-002-018-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 1,408 sqft Living Area |
| 1st Floor Area | 1,108 sqft |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1910 |
| Architectural Style | Custom Design |
| Lot Area | 8,712 sqft (0.2 acres) |
| Garage Area | 720 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 537 GILBERT ST |
|---|---|
| City | OWOSSO |
| State | MI |
| Zip | 48867-2435 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 17 BLK 2 CITY ASSESSORS PLAT 1 |
| Legal Subdivision | PLAT OF ASSESSORS PLAT #1 CITY OF OWOSSO |
| Legal Block | 2 |
| Legal Lot Number | 17 |
| Jurisdiction | SHIAWASSEE MI |
| Township / Civil Division | OWOSSO |
| Census Block Group | 3 |
| Census Block | 3003 |
| Census Tract | 30500 |
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 | 537 GILBERT ST, OWOSSO, MI 48867-2435 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 31, 2022 | Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC |
| Sep 22, 2021 | Warranty Deed, Transfer · FHA Mortgage ROCKET MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 22, 2021 · Amount on Record |
| Deed Sale | Sep 22, 2021 · Amount on Record |
| Prior Sale | May 17, 2016 · Amount on Record |
| Deed Document Number | 20213351501 |
| Deed Book / Page | 1287 / 690 |
| Prior Transfer Date | Sep 1, 2021 |
| Prior Transfer Doc | 0012870690 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHIAWASSEE MI |
| Property Address | 537 GILBERT ST, OWOSSO, MI 48867-2435 |
| Transaction Type | Mortgage |
| Record Updated | Jun 13, 2023 |
| Name | Verified Name |
|---|---|
| Address | 537 GILBERT ST, OWOSSO, MI 48867-2435 |
| Document Number | 0012920407 |
|---|---|
| Date | Jan 31, 2022 |
| Book Page | 1292/407 |
| Instrument | 3356307 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 356 Months |
| Due | Sep 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SHIAWASSEE MI |
| Recording Date | Sep 22, 2021 |
| Property Address | 537 GILBERT ST, OWOSSO, MI 48867-2435 |
| Document Number | 0012870690 |
| Book / Page | 1287 / 690 |
| Map Reference | LB 1 PG 34 |
| Instrument Date | Sep 1, 2021 |
| Instrument | 3351501 |
| Transaction Type | Transfer |
| Record Updated | Apr 3, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $686.25 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 537 GILBERT ST, OWOSSO, MI 48867-2435 |
| Document Number | 0003356307 |
|---|---|
| Date | Sep 22, 2021 |
| Instrument | 3356307 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2051 |
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 | $77,000 (+10.47%) | $154,000 (+10.47%) | |
| 2025 | $2,006.00 (+4.92%) Homeowner's exemption | $69,700 (+23.58%) | $139,400 (+23.58%) |
| 2024 | $1,912.00 | ||
| 2023 | $1,912.00 Homeowner's exemption | $56,400 | $112,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective April 12, 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; 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 457 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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