Shiawassee County property record for 604 River St, Owosso, MI 48867
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.47 acres (20,473 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $145,000 (Oct 2023) |
| Tax Bill | $3,299 (2025) |
| Deeds & Mortgages | May 2026 Mortgage Oct 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 050-120-001-002-00 |
| Primary APN | 050-120-001-002-00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,812 sqft Living Area |
| 1st Floor Area | 1,204 sqft |
| Year Built | Built 1880 |
|---|---|
| Effective Year Built | Effective 1880 |
| Architectural Style | Custom Design |
| Lot Area | 20,473 sqft (0.47 acres) |
| Garage Area | 360 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 604 RIVER ST |
|---|---|
| City | OWOSSO |
| State | MI |
| Zip | 48867-2664 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 2 (EX W 10') & W 12 LOT 3 BLK 1 LUCY L COMSTOCKS ADD |
| Legal Subdivision | LUCY L COMSTOCKS ADD |
| Legal Block | 1 |
| Legal Lot Number | 2-3 |
| Jurisdiction | SHIAWASSEE MI |
| Township / Civil Division | OWOSSO |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 30600 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 604 RIVER ST, OWOSSO, MI 48867-2664 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 6, 2026 | Deed of Trust, Mortgage · FHA Mortgage SERVICELINK |
| Oct 18, 2023 | Warranty Deed, Transfer · FHA Mortgage ROCKET MORTGAGE LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 18, 2023 · Amount on Record |
| Deed Sale | Oct 18, 2023 · Amount on Record |
| Prior Sale | Mar 29, 2004 · Amount on Record |
| Deed Document Number | 20233375711 |
| Deed Book / Page | 1311 / 545 |
| Prior Transfer Date | Jan 31, 2003 |
| Prior Transfer Doc | 0003090544 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHIAWASSEE MI |
| Recording Date | May 6, 2026 |
| Property Address | 604 RIVER ST, OWOSSO, MI 48867-2664 |
| Document Number | 0003402994 |
| Book / Page | 1338 / 416 |
| Instrument Date | Apr 17, 2026 |
| Instrument | 20263402994 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | SERVICELINK |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 604 RIVER ST, OWOSSO, MI 48867-2664 |
| Document Number | 0003402994, |
|---|---|
| Date | May 6, 2026 |
| Book Page | 1338/416 |
| Instrument | 20263402994 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 344 Months |
| Due | Jan 1, 2055 |
| Rate | 6.22% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SHIAWASSEE MI |
| Recording Date | Oct 18, 2023 |
| Property Address | 604 RIVER ST, OWOSSO, MI 48867-2664 |
| Document Number | 0013110545 |
| Book / Page | 1311 / 545 |
| Map Reference | LB Y PG 639 |
| Instrument Date | Oct 16, 2023 |
| Instrument | 3375711 |
| Transaction Type | Transfer |
| Record Updated | Nov 6, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,087.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 622 N HICKORY ST, OWOSSO, MI 48867-2330 |
| Name | Verified Name |
|---|---|
| Address | 604 RIVER ST, OWOSSO, MI 48867-2664 |
| Document Number | 0003375712 |
|---|---|
| Date | Oct 18, 2023 |
| Instrument | 3375712 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2053 |
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 | $93,300 (+11.34%) | $186,600 (+11.34%) | |
| 2025 | $3,299.00 (+2.9%) Homeowner's exemption | $83,800 (+30.53%) | $167,600 (+30.53%) |
| 2024 | $3,206.00 | ||
| 2023 | $3,206.00 Homeowner's exemption Additional exemption filed | $64,200 | $128,400 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 1 (2004) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jun 2004 · river or lake flooding |
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 | Low lower than 98% of the US · lower than 95% 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.
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 Fixed Wireless | 100 / 20 |
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