623 Grover St, Owosso, MI 48867 Property Records

Shiawassee County property record for 623 Grover St, Owosso, MI 48867

Property Summary

Property Type	Single Family Home
Lot Size	0.26 acres (11,326 sqft)
Owner	2 Individual Names on Record
Last Sale	$84,000 (May 2021)
Tax Bill	$1,658 (2025)
Deeds & Mortgages	May 2021 Mortgage May 2021 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`050-580-000-048-00`

Property Details

APN / Parcel Number

Primary APN	`050-580-000-048-00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Building Area	912 sqft Living Area
1st Floor Area	768 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Lot Area	11,326 sqft (0.26 acres)
Garage Area	840 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	623 GROVER ST
City	OWOSSO
State	MI
Zip	48867-3215
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 50 & 51 STAFFORD GARDNER & TRANKLES CENTRAL ADD INCLUDING 12 CLOSED ADJ ALLEY
Legal Subdivision	STAFFORD GARDNER & TRANKLES CENTRAL ADD
Legal Lot Number	50-51
Jurisdiction	SHIAWASSEE MI
Township / Civil Division	OWOSSO
Census Block Group	4
Census Block	4013
Census Tract	30500

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	623 GROVER ST, OWOSSO, MI 48867-3215
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 4, 2021	Deed of Trust, Mortgage · Second Mortgage (Down Payment) EVERETT FINANCIAL INC
May 4, 2021	Warranty Deed, Transfer · FHA Mortgage EVERETT FINANCIAL INC
Jan 7, 2019	Warranty Deed, Transfer ATA NATIONAL TITLE GROUP LLC, ATA NAT'L TITLE GROUP LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 4, 2021 · Amount on Record
Deed Sale	May 4, 2021 · Amount on Record
Deed Document Number	20213345973
Deed Book / Page	1282 / 206
Prior Transfer Date	Jul 26, 2011
Prior Transfer Doc	0011640468
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHIAWASSEE MI
Property Address	623 GROVER ST, OWOSSO, MI 48867-3215
Transaction Type	Mortgage
Record Updated	Jun 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	410 N BALL ST 105, 105, OWOSSO, MI 48867-2367

Mortgage

Document Number	0012820208
Date	May 4, 2021
Book Page	1282/208
Instrument	3345975

Lender

Name	EVERETT FINANCIAL INC
Type	Funding / Finance Company
Address	DALLAS, TX 75254

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHIAWASSEE MI
Recording Date	May 4, 2021
Property Address	623 GROVER ST, OWOSSO, MI 48867-3215
Document Number	0012820206
Book / Page	1282 / 206
Map Reference	LB 1 PG 50
Instrument Date	Feb 25, 2021
Instrument	3345973
Transaction Type	Transfer
Record Updated	May 19, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$630.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	528 S RUESS RD, 528, OWOSSO, MI 48867-9331

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	623 GROVER ST, OWOSSO, MI 48867-3215

Mortgage

Document Number	0012820207
Date	May 4, 2021
Book Page	1282/207
Instrument	3345974

Lender

Name	EVERETT FINANCIAL INC
Type	Funding / Finance Company
Address	DALLAS, TX 75254

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Mar 1, 2051

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHIAWASSEE MI
Recording Date	Jan 7, 2019
Property Address	623 GROVER ST, OWOSSO, MI 48867-3215
Document Number	0012530134
Book / Page	001253 / 000134
Instrument Date	Jan 2, 2019
Instrument	3316619
Transaction Type	Transfer
Record Updated	Jan 24, 2019
Title Company	ATA NATIONAL TITLE GROUP LLC, ATA NAT'L TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Tax	$341.25
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	528 S RUESS RD OWOSSO MI 488679331, OWOSSO, MI 48867-9331

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Michigan
County	Shiawassee County
Municipality	Owosso City
Unified School District	Owosso Public Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$51,400 (+10.3%)	$102,800 (+10.3%)
2025	$1,658.00 (+4.87%) Homeowner's exemption	$46,600 (+21.35%)	$93,200 (+21.35%)
2024	$1,581.00
2023	$1,581.00 Homeowner's exemption	$38,400	$76,800

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.

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 54 policies
Nearby Flood Policies	54 in force
Nearby Flood Claims	13 (1981–2004)
Claims Outside the SFHA	1 of 13
Most Recent Claim	May 2004 · Severe Storms, Tornadoes, And Flooding
Claims by Event	Severe Storms, Tornadoes, And Flooding, May 2004 · 6 claims

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	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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 302 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 · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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