Shiawassee County property record for 540 Gilbert St, Owosso, MI 48867
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $190,000 (Sep 2023) |
| Tax Bill | $2,865 (2025) |
| Deeds & Mortgages | Jul 2026 Mortgage Sep 2023 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 050-111-003-003-00 |
| Primary APN | 050-111-003-003-00 |
|---|
| Lot Area | 8,712 sqft (0.2 acres) |
|---|
| Street Address | 540 GILBERT ST |
|---|---|
| City | OWOSSO |
| State | MI |
| Zip | 48867-2436 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 3 BLK 3 CITY ASSESSORS PLAT 1 |
| Legal Subdivision | CITY ASSESSORS PLAT |
| Legal Block | 3 |
| Legal Lot Number | 3 |
| Jurisdiction | SHIAWASSEE MI |
| Township / Civil Division | OWOSSO |
| Census Block Group | 3 |
| Census Block | 3002 |
| Census Tract | 30500 |
Source: Shiawassee County records · APN 050-111-003-003-00
Assessment roll updated July 16, 2026 · Last verified July 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 File |
|---|---|
| Mailing Address | 540 GILBERT ST, OWOSSO, MI 48867-2436 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 09, 2026 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Sep 01, 2023 | Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC |
| Jul 08, 2019 | Warranty Deed, Transfer · Conventional with PMI CASON HM LNS |
| Sep 07, 2018 | Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BK/ESTN MI |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 01, 2023 · Amount on Record |
| Deed Sale | Sep 01, 2023 · Amount on Record |
| Prior Sale | May 01, 2009 · Amount on Record |
| Deed Document Number | 20233374485 |
| Deed Book / Page | 1310 / 322 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHIAWASSEE MI |
| Recording Date | Jul 09, 2026 |
| Property Address | 540 GILBERT ST, OWOSSO, MI 48867-2436 |
| Document Number | 0003404970 |
| Book / Page | 1340 / 372 |
| Instrument Date | Jul 02, 2026 |
| Instrument | 20263404970 |
| Transaction Type | Mortgage |
| Record Updated | Jul 28, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 540 GILBERT ST, OWOSSO, MI 48867-2436 |
| Document Number | 0003404970, |
|---|---|
| Date | Jul 09, 2026 |
| Book Page | 1340/372 |
| Instrument | 20263404970 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 01, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.48% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SHIAWASSEE MI |
| Recording Date | Sep 01, 2023 |
| Property Address | 540 GILBERT ST, OWOSSO, MI 48867-2436 |
| Document Number | 0013100322 |
| Book / Page | 1310 / 322 |
| Map Reference | LB 1 PG 34 |
| Instrument Date | Aug 11, 2023 |
| Instrument | 3374485 |
| Transaction Type | Transfer |
| Record Updated | Sep 25, 2023 |
| Title Company | ATA NATIONAL TITLE GROUP LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,425.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 540 GIULBERT ST, SMYRNA, MI 48887 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1441 JACKSON DR # DRT, DRT, OWOSSO, MI 48867-2934 |
| Document Number | 0003374486 |
|---|---|
| Date | Sep 01, 2023 |
| Instrument | 3374486 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 01, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SHIAWASSEE MI |
| Recording Date | Jul 08, 2019 |
| Property Address | 540 GILBERT ST, OWOSSO, MI 48867-2436 |
| Document Number | 0012580768 |
| Book / Page | 001258 / 000768 |
| Instrument Date | Jun 20, 2019 |
| Instrument | 3322305 |
| Transaction Type | Transfer |
| Record Updated | Jul 22, 2019 |
| Title Company | ATA NATIONAL TITLE GROUP LLC, ATA NAT'L TITLE GROUP LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $855.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 4435 HERITAGE AVE #2B OKEMOS MI 488643319, 2B, OKEMOS, MI 48864-3319 |
| Document Number | 12580769 |
|---|---|
| Date | Jul 08, 2019 |
| Book Page | 001258/000769 |
| Instrument | 3322306 |
| Name | CASON HM LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | PALM BEACH GARDENS, FL 33408 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 07, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHIAWASSEE MI |
| Property Address | 540 GILBERT ST, OWOSSO, MI 48867-2436 |
| Document Number | 0012500530 |
| Instrument Date | Sep 07, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Oct 18, 2018 |
| Title Company | ACCURATE EQUITY GROUP |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 540 GILBERT ST OWOSSO MI 488672436, OWOSSO, MI 48867-2436 |
| Document Number | 0012500530 |
|---|---|
| Date | Oct 02, 2018 |
| Book Page | 001250/000530 |
| Instrument | 3313912 |
| Name | FIFTH THIRD BK/ESTN MI |
|---|---|
| Type | Bank |
| Address | GRAND RAPIDS, MI 49546 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
Source: Shiawassee County records · Assessment roll updated July 16, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Shiawassee County |
| Municipality | Owosso City |
| Unified School District | Owosso Public Schools (KG - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $81,600 (+13.65%) | $163,200 (+13.65%) | |
| 2025 | $2,865.00 (+32.52%) Homeowner's exemption | $71,800 (+23.37%) | $143,600 (+23.37%) |
| 2023 | $2,162.00 Homeowner's exemption | $58,200 | $116,400 |
Source: FEMA National Flood Hazard Layer as of April 12, 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| 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 USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 457 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | CITY OF OWOSSO serves 16,353 people |
|---|---|
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures