5491 N River Rd, Owosso, MI 48867 Property Records

Shiawassee County property record for 5491 N River Rd, Owosso, MI 48867

Property Summary

Property Type	Single Family Home
Lot Size	3.46 acres (150,718 sqft)
Owner	2 Individual Names on Record
Tax Bill	$5,823 (2023)
Deeds & Mortgages	May 2020 Mortgage Aug 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`002-23-400-004`

Property Details

APN / Parcel Number

Primary APN	`002-23-400-004`
Alternative APN	`0022340000400`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	3,116 sqft Living Area
1st Floor Area	3,116 sqft
Basement Area	1,969 sqft
Unfinished Basement	1,969 sqft
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Ranch
Lot Area	150,718 sqft (3.46 acres)
Garage Area	700 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	5491 N RIVER RD
City	OWOSSO
State	MI
Zip	48867-8806
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SEC 23 T8N R2E. COM AT PT ON E LN OF SEC WH IS S 831 FT FROM E 14 POST OF SEC TH W TO E LN OF SHIAWASSEE RIVER (727 FT ML) TH
Legal Range	02E
Legal Township	08N
Legal Section	23
Jurisdiction	SHIAWASSEE MI
Township / Civil Division	RUSH
Census Block Group	2
Census Block	2067
Census Tract	30200

Owner

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	5491 N RIVER RD, OWOSSO, MI 48867-8806
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 5, 2020	Deed of Trust, Mortgage · Conventional Mortgage PNC BANK NA
Aug 6, 2018	Warranty Deed, Transfer · Conventional Mortgage PNC BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Feb 26, 2016
Transfer Doc	0003282962
Record Updated	Oct 29, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHIAWASSEE MI
Property Address	5491 N RIVER RD, OWOSSO, MI 48867-8806
Transaction Type	Mortgage
Record Updated	Jun 29, 2021
Title Company	NATIONALLINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0012680682
Date	May 5, 2020
Book Page	1268/682
Instrument	3332324

Lender

Name	PNC BANK NA
Type	Bank
Address	MIAMISBURG, OH 45342

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	157 Months
Due	Jun 1, 2033

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHIAWASSEE MI
Recording Date	Aug 6, 2018
Property Address	5491 N RIVER RD, OWOSSO, MI 48867-8806
Document Number	0012480680
Book / Page	001248 / 000680
Instrument Date	Jul 31, 2018
Instrument	3312055
Transaction Type	Transfer
Record Updated	Jan 14, 2019
Title Company	ATA NATIONAL TITLE GROUP LLC, ATA NAT'L TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,285.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	861 W PARISH RD KAWKAWLIN MI 486319780, KAWKAWLIN, MI 48631-9780

Mortgage

Document Number	12480681
Date	Aug 6, 2018
Book Page	001248/000681
Instrument	3312056

Lender

Name	PNC BK
Type	Bank
Address	MIAMISBURG, OH 45342

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Aug 5, 2033

Tax Assessment & Valuation

Source: Shiawassee County assessment roll, as of July 16, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Shiawassee County
County Subdivision	Rush Township
Unified School District	Owosso Public Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$284,800 (+6.87%)	$569,600 (+6.87%)
2025	Homeowner's exemption	$266,500 (+12.54%)	$533,000 (+12.54%)
2023	$5,823.00 Homeowner's exemption	$236,800	$473,600

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 93% of the US · lower than 83% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 28 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

Cell Coverage

5G and 4G LTE (outdoors only)

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