Shiawassee County property record for 643 Adams St, Owosso, MI 48867
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,836 sqft · built 1938 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Trust Name on File |
| Tax Bill | $3,145 (2025) |
| Deeds & Mortgages | Feb 2021 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 050-250-000-055-00 |
| Primary APN | 050-250-000-055-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 1,836 sqft Living Area |
| 1st Floor Area | 926 sqft |
| Basement Area | 910 sqft |
| Unfinished Basement | 910 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1938 |
|---|---|
| Effective Year Built | Effective 1938 |
| Architectural Style | Custom Design |
| Lot Area | 8,712 sqft (0.2 acres) |
| Garage Area | 216 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 643 ADAMS ST |
|---|---|
| City | OWOSSO |
| State | MI |
| Zip | 48867-2243 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 48 0F OUT LOT 1 LOUISA A GOULD SUB DIV OF OUT LOT 1 & 4 & BLK 36 & PART OF BLK 35 OF THE VILLAGE OF OWOSSO |
| Legal Subdivision | LOUISA A GOULD SUB DIV |
| Legal Block | 36,35 |
| Legal Lot Number | 48 |
| Jurisdiction | SHIAWASSEE MI |
| Township / Civil Division | OWOSSO |
| Census Block Group | 3 |
| Census Block | 3012 |
| Census Tract | 30400 |
643 Adams St is owner-occupied and held in a trust since September 2020.
Source: Shiawassee County records, as of October 20, 2026
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 643 ADAMS ST, OWOSSO, MI 48867-2243 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Sep 28, 2020 |
| Transfer Doc | 0012780230 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SHIAWASSEE MI |
| Recording Date | Feb 8, 2021 |
| Property Address | 643 ADAMS ST, OWOSSO, MI 48867-2243 |
| Document Number | 0012780230 |
| Book / Page | 1278 / 230 |
| Instrument Date | Sep 28, 2020 |
| Instrument | 3341977 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 643 ADAMS ST, OWOSSO, MI 48867-2243 |
The 2025 property tax bill for 643 Adams St was $3,145 with a homeowner's exemption, up 4.9% from the year before.
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 | $111,600 (+10.17%) | $223,200 (+10.17%) | |
| 2025 | $3,145.00 (+4.9%) Homeowner's exemption | $101,300 | $202,600 |
| 2024 | $2,998.00 | ||
| 2023 | $2,998.00 Homeowner's exemption | $81,800 | $163,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 643 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.
The area around 643 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.
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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