Shiawassee County property record for 635 Ada St, Owosso, MI 48867
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,681 sqft · built 1940 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $2,986 (2025) |
| Deeds & Mortgages | Mar 2022 Line of Credit Jan 2022 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 050-670-001-008-00 |
| Primary APN | 050-670-001-008-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,681 sqft Living Area |
| 1st Floor Area | 1,681 sqft |
| Basement Area | 624 sqft |
| Unfinished Basement | 624 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1940 |
| Architectural Style | Ranch |
| Lot Area | 10,890 sqft (0.25 acres) |
| Garage Area | 280 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 635 ADA ST |
|---|---|
| City | OWOSSO |
| State | MI |
| Zip | 48867-2203 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 6 BLK 1 HN & SA WILLIAMS ADD INCLUDING 12 CLOSED ALLEY |
| Legal Subdivision | WILLIAMS ADD |
| Legal Block | 1 |
| Legal Lot Number | 6 |
| Jurisdiction | SHIAWASSEE MI |
| Township / Civil Division | OWOSSO |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 30400 |
Source: Shiawassee County records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 635 ADA ST, OWOSSO, MI 48867-2203 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 11, 2022 | Deed of Trust, Mortgage · Line of Credit CMG MORTGAGE INC |
| Jan 6, 2022 | Deed of Trust, Mortgage · Line of Credit CMG MORTGAGE INC |
| Jan 6, 2022 | Deed of Trust, Mortgage · Conventional Mortgage CMG MORTGAGE INC |
| Nov 12, 2020 | Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU |
| May 2, 2018 | Warranty Deed, Transfer TRANSNATION TITLE AGENCY |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHIAWASSEE MI |
| Property Address | 635 ADA ST, OWOSSO, MI 48867-2203 |
| Transaction Type | Mortgage |
| Record Updated | Mar 30, 2022 |
| Name | Verified Name |
|---|---|
| Address | 635 ADA ST, OWOSSO, MI 48867-2203 |
| Document Number | 0012930739 |
|---|---|
| Date | Mar 11, 2022 |
| Book Page | 1293/739 |
| Instrument | 3357641 |
| Name | CMG MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | SAN RAMON, CA 94583 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHIAWASSEE MI |
| Property Address | 635 ADA ST, OWOSSO, MI 48867-2203 |
| Transaction Type | Mortgage |
| Record Updated | Jan 19, 2022 |
| Title Company | CRISLO TITLE COMPANY, CISLO TITLE CO |
| Name | Verified Name |
|---|---|
| Address | 635 ADA ST, OWOSSO, MI 48867-2203 |
| Document Number | 0012910512 |
|---|---|
| Date | Jan 6, 2022 |
| Book Page | 1291/512 |
| Instrument | 3355412 |
| Name | CMG MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | SAN RAMON, CA 94583 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jan 1, 2042 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHIAWASSEE MI |
| Property Address | 635 ADA ST, OWOSSO, MI 48867-2203 |
| Transaction Type | Mortgage |
| Record Updated | Jan 19, 2022 |
| Title Company | CRISLO TITLE COMPANY, CISLO TITLE CO |
| Name | Verified Name |
|---|---|
| Address | 635 ADA ST, OWOSSO, MI 48867-2203 |
| Document Number | 0012910511 |
|---|---|
| Date | Jan 6, 2022 |
| Book Page | 1291/511 |
| Instrument | 3355411 |
| Name | CMG MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | SAN RAMON, CA 94583 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHIAWASSEE MI |
| Property Address | 635 ADA ST, OWOSSO, MI 48867-2203 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | NAVY FEDERAL TITLE SVCS LLC |
| Name | Verified Name |
|---|---|
| Address | ADA ST, OWOSSO, MI 48867 |
| Document Number | 0012750108 |
|---|---|
| Date | Nov 12, 2020 |
| Book Page | 1275/108 |
| Instrument | 3338792 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SHIAWASSEE MI |
| Recording Date | May 2, 2018 |
| Property Address | 635 ADA ST, OWOSSO, MI 48867-2203 |
| Document Number | 0012450794 |
| Book / Page | 001245 / 000794 |
| Instrument Date | Apr 30, 2018 |
| Instrument | 3309165 |
| Transaction Type | Transfer |
| Record Updated | May 15, 2018 |
| Title Company | TRANSNATION TITLE AGENCY |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,049.25 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 317 S ELM ST #515 OWOSSO MI 488672680, 515, OWOSSO, MI 48867-2680 |
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 | $110,900 (+8.83%) | $221,800 (+8.83%) | |
| 2025 | $2,986.00 (+4.88%) Homeowner's exemption | $101,900 (+23.82%) | $203,800 (+23.82%) |
| 2023 | $2,847.00 Homeowner's exemption | $82,300 | $164,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|
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 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 |
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