Shiawassee County property record for 601 Ada St, Owosso, MI 48867
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.63 acres (27,443 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $429,900 (Oct 2025) |
| Tax Bill | $5,966 (2025) |
| Deeds & Mortgages | May 2024 Line of Credit Oct 2025 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 050-670-001-013-00 |
| Primary APN | 050-670-001-013-00 |
|---|
| Lot Area | 27,443 sqft (0.63 acres) |
|---|
| Street Address | 601 ADA ST |
|---|---|
| City | OWOSSO |
| State | MI |
| Zip | 48867-2203 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOTS 14 AND 15 & S 12 OF LOT 11 BLK 1 HN & SA WILLIAMS ADD INCLUDING 12 CLOSED ALLEY |
| Legal Subdivision | WILLIAMS ADD |
| Legal Block | 1 |
| Legal Lot Number | 14-15 |
| Jurisdiction | SHIAWASSEE MI |
| Township / Civil Division | OWOSSO |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 30400 |
Source: Shiawassee County assessment roll, as of July 16, 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 | 11110 HARBERT RD, HUNTERSVILLE, NC 28078-5441 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| May 10, 2024 | Deed of Trust, Mortgage · Line of Credit ELGA CREDIT UNION |
| Oct 2, 2025 | Warranty Deed, Transfer · Conventional Mortgage AFFINITY HOME LENDING LLC |
| Aug 31, 2022 | Warranty Deed, Transfer · Conventional Mortgage NAVY FCU |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 2, 2025 · Amount on Record |
| Deed Sale | Oct 2, 2025 · Amount on Record |
| Prior Sale | Aug 31, 2022 · Amount on Record |
| Deed Document Number | 20253396044 |
| Deed Book / Page | 1331 / 582 |
| Prior Transfer Date | Apr 13, 2015 |
| Prior Transfer Doc | 0012090836 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHIAWASSEE MI |
| Property Address | 601 ADA ST, OWOSSO, MI 48867-2203 |
| Transaction Type | Mortgage |
| Record Updated | Oct 14, 2025 |
| Name | Verified Name |
|---|---|
| Address | 601 ADA ST, OWOSSO, MI 48867-2203 |
| Investor | Possibly a Property Investor |
| Document Number | 0013170193 |
|---|---|
| Date | May 10, 2024 |
| Book Page | 1317/193 |
| Instrument | 3381439 |
| Name | ELGA CREDIT UNION |
|---|---|
| Type | Credit Union |
| Address | 6065 GRAND POINTE BLVD, GRAND BLANC, MI 48439 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | May 27, 2049 |
| Change Frequency | Monthly |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SHIAWASSEE MI |
| Recording Date | Oct 2, 2025 |
| Property Address | 601 ADA ST, OWOSSO, MI 48867-2203 |
| Document Number | 0013310582 |
| Book / Page | 1331 / 582 |
| Map Reference | LB 1 PG 107 |
| Instrument Date | Sep 22, 2025 |
| Instrument | 3396044 |
| Transaction Type | Transfer |
| Record Updated | Oct 14, 2025 |
| Title Company | CROSSROADS TITLE AGENCY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,225.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 601 ADA ST, OWOSSO, MI 48867-2203 |
| Name | Verified Name |
|---|---|
| Address | 11110 HARBERT RD, HUNTERSVILLE, NC 28078-5441 |
| Document Number | 0003396045 |
|---|---|
| Date | Oct 2, 2025 |
| Instrument | 3396045 |
| Name | AFFINITY HOME LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SHIAWASSEE MI |
| Recording Date | Aug 31, 2022 |
| Property Address | 601 ADA ST, OWOSSO, MI 48867-2203 |
| Document Number | 0013000055 |
| Book / Page | 1300 / 55 |
| Map Reference | LB 1 PG 107 |
| Instrument Date | Aug 29, 2022 |
| Instrument | 3364015 |
| Transaction Type | Transfer |
| Record Updated | Sep 20, 2022 |
| Title Company | ATA NATIONAL TITLE GROUP LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,805.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 601 ADA ST, 601, OWOSSO, MI 48867-2203 |
| Name | Verified Name |
|---|---|
| Address | 1130 JACKSON DR, OWOSSO, MI 48867-1993 |
| Document Number | 0003364016 |
|---|---|
| Date | Aug 31, 2022 |
| Instrument | 3364016 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.37% |
| Type Change Date | Sep 1, 2025 |
| Change Frequency | 5 Years |
| Min Rate At Change | 3.37% |
| Max Rate At Change | 7.37% |
| Index | 5-Year CMT |
| Margin | 2 |
| Max Rate | 10.3% |
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 | $175,600 (+8.8%) | $351,200 (+8.8%) | |
| 2025 | $5,966.00 (-11.39%) Homeowner's exemption | $161,400 (+23.87%) | $322,800 (+23.87%) |
| 2024 | $6,733.00 | ||
| 2023 | $6,733.00 Homeowner's exemption | $130,300 | $260,600 |
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 | 4 in force |
| Nearby Flood Claims | 2 (1981–1995) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Jul 1995 · rainfall accumulation |
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 |
|---|
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 351 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 USA Fixed Wireless | 100 / 20 |
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