634 7th St, Owosso, MI 48867 Property Records

Shiawassee County property record for 634 7th St, Owosso, MI 48867

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,231 sqft · built 1945
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on File
Tax Bill	$2,342 (2025)
Deeds & Mortgages	Oct 2023 Line of Credit Apr 2021 Transfer + 2 more
Flood Zone	Zone X (moderate risk)
APN	`050-670-005-003-00`

Property Details

APN / Parcel Number

Primary APN	`050-670-005-003-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,231 sqft Living Area
1st Floor Area	1,231 sqft

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1945
Architectural Style	Ranch
Lot Area	8,712 sqft (0.2 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	634 7TH ST
City	OWOSSO
State	MI
Zip	48867-2128
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 5 BLK 5 H N & S A WILLIAMS ADD INCLUDING 12 CLOSED ALLEY
Legal Subdivision	WILLIAMS ADD
Legal Block	5
Legal Lot Number	5
Jurisdiction	SHIAWASSEE MI
Township / Civil Division	OWOSSO
Census Block Group	2
Census Block	2014
Census Tract	30400

Owner

634 7th St is owned and occupied by an individual who acquired it in April 2021.

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

Owner of Record	Individual Name on File
Mailing Address	634 7TH ST, OWOSSO, MI 48867-2128
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

Date	Document
Oct 27, 2023	Deed of Trust, Mortgage · Line of Credit MICHIGAN STATE UNIVERSITY FCU
Apr 15, 2021	Intrafamily Transfer, Transfer
Nov 27, 2019	Deed of Trust, Mortgage · Conventional Mortgage MICHIGAN ST UNIV FCU
Apr 20, 2018	Deed of Trust, Mortgage · Line of Credit MICHICAN ST UNIV FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Apr 5, 2021
Transfer Doc	0012810453
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHIAWASSEE MI
Property Address	634 7TH ST, OWOSSO, MI 48867-2128
Transaction Type	Mortgage
Record Updated	Nov 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	634 7TH ST, OWOSSO, MI 48867-2128

Mortgage

Document Number	0013110811
Date	Oct 27, 2023
Book Page	1311/811
Instrument	3375978

Lender

Name	MICHIGAN STATE UNIVERSITY FCU
Type	Credit Union
Address	HARFORD, PA 18823

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SHIAWASSEE MI
Recording Date	Apr 15, 2021
Property Address	634 7TH ST, OWOSSO, MI 48867-2128
Document Number	0012810453
Book / Page	1281 / 453
Instrument Date	Apr 5, 2021
Instrument	3345218
Transaction Type	Transfer
Record Updated	May 25, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	634 7TH ST, OWOSSO, MI 48867-2128

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHIAWASSEE MI
Property Address	634 7TH ST, OWOSSO, MI 48867-2128
Document Number	0012630781
Instrument Date	Nov 27, 2019
Transaction Type	Mortgage
Record Updated	Dec 17, 2019
Title Company	BELL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	634 7TH ST OWOSSO MI 488672128, OWOSSO, MI 48867-2128

Mortgage

Document Number	0012630781
Date	Dec 5, 2019
Book Page	001263/000781
Instrument	3327349

Lender

Name	MICHIGAN ST UNIV FCU
Type	Credit Union
Address	EAST LANSING, MI 48823

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Dec 4, 2039

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHIAWASSEE MI
Property Address	634 7TH ST, OWOSSO, MI 48867-2128
Document Number	0012460074
Instrument Date	Apr 20, 2018
Transaction Type	Mortgage
Record Updated	May 25, 2018
Title Company	WORLDWIDE RECORDING INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	634 7TH ST OWOSSO MI 488672128, OWOSSO, MI 48867-2128

Mortgage

Document Number	0012460074
Date	May 10, 2018
Book Page	001246/000074
Instrument	3309445

Lender

Name	MICHICAN ST UNIV FCU
Type	Credit Union
Address	EAST LANSING, MI 48823

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 634 7th St was $2,342 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		$89,900 (+8.05%)	$179,800 (+8.05%)
2025	$2,342.00 (+4.88%) Homeowner's exemption	$83,200	$166,400
2024	$2,233.00
2023	$2,233.00 Homeowner's exemption	$68,400	$136,800

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

Flood

FEMA maps place 634 7th St in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
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.

Wildfire

Wildfire risk around 634 7th St is low, with less than a 0.01% annual chance of wildfire.

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	None beyond 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 312 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
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on 7th St

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