628 Adams St, Owosso, MI 48867 Property Records

Shiawassee County property record for 628 Adams St, Owosso, MI 48867

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,484 sqft · built 1900
Lot Size	0.15 acres (6,534 sqft)
Owner	Individual Name on File
Last Sale	$130,000 (Mar 2021)
Tax Bill	$2,615 (2025)
Deeds & Mortgages	Mar 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`050-250-035-005-00`

Property Details

APN / Parcel Number

Primary APN	`050-250-035-005-00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Building Area	1,484 sqft Living Area
1st Floor Area	1,038 sqft
Basement Area	384 sqft
Unfinished Basement	384 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Custom Design
Lot Area	6,534 sqft (0.15 acres)
Lot Dimensions	132 ft deep x 50 ft wide
Garage Area	604 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	628 ADAMS ST
City	OWOSSO
State	MI
Zip	48867-2244
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S 12 OF LOT 6 & N 14 OF LOT 7 BLK 35 LOUISA A GOULD SUB DIV OF OUT LOT 1 & 4 & BLK 36 & PART OF 35 OF THE VILLAGE OF OWOSSO
Legal Subdivision	LOUISA A GOULD SUB DIV
Legal Block	35-36
Legal Lot Number	6-7
Jurisdiction	SHIAWASSEE MI
Township / Civil Division	OWOSSO
Census Block Group	3
Census Block	3011
Census Tract	30400

Owner

628 Adams St is owned and occupied by an individual who bought it in March 2021.

Source: Shiawassee County records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	628 ADAMS ST, OWOSSO, MI 48867-2244
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 9, 2021 · Amount on File
Deed Sale	Mar 9, 2021 · Amount on File
Prior Sale	Aug 11, 2014 · Amount on File
Deed Document Number	20213343183
Deed Book / Page	1279 / 418
Prior Transfer Date	Oct 9, 2013
Prior Transfer Doc	0011910754
Record Updated	Oct 29, 2026

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHIAWASSEE MI
Recording Date	Mar 9, 2021
Property Address	628 ADAMS ST, OWOSSO, MI 48867-2244
Document Number	0012790418
Book / Page	1279 / 418
Map Reference	LB U PG 962
Instrument Date	Mar 3, 2021
Instrument	3343183
Transaction Type	Transfer
Record Updated	May 25, 2021
Title Company	CISLO TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$975.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	628 ADAMS ST, 628, OWOSSO, MI 48867-2244

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	625 N WARREN RD, OVID, MI 48866-9411

Mortgage

Document Number	3343184
Date	Mar 9, 2021
Instrument	3343184

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 628 Adams St was $2,615 with a homeowner's exemption, up 4.9% from the year before.

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		$81,600 (+8.8%)	$163,200 (+8.8%)
2025	$2,615.00 (+4.89%) Homeowner's exemption	$75,000	$150,000
2024	$2,493.00
2023	$2,493.00 Homeowner's exemption	$60,600	$121,200

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

FEMA maps place 628 Adams St in Zone X, an area of minimal flood risk.

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	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

The area around 628 Adams St has no burnable land within ember reach, so its wildfire risk is not rated.

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 587 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