Shiawassee County property record for 654 1st St, Owosso, MI 48867
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.5 acres (21,780 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $410,000 (Sep 2026) |
| Tax Bill | $7,291 (2025) |
| Deeds & Mortgages | Sep 2026 Sale & Mortgage Jan 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 050-670-002-006-00 |
| Primary APN | 050-670-002-006-00 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 2,492 sqft Living Area |
| 1st Floor Area | 1,360 sqft |
| Basement Area | 1,360 sqft |
| Unfinished Basement | 1,360 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1936 |
|---|---|
| Effective Year Built | Effective 1936 |
| Architectural Style | Custom Design |
| Lot Area | 21,780 sqft (0.5 acres) |
| Garage Area | 976 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 654 1ST ST |
|---|---|
| City | OWOSSO |
| State | MI |
| Zip | 48867-2105 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOTS 8 & 9 & N 12 OF LOT 12 BLK 2 H N & S A WILLIAMS ADD INCLUDING 12 CLOSED ALLEY |
| Legal Subdivision | WILLIAMS ADD |
| Legal Block | 2 |
| Legal Lot Number | 8-9,12 |
| Jurisdiction | SHIAWASSEE MI |
| Township / Civil Division | OWOSSO |
| Census Block Group | 2 |
| Census Block | 2017 |
| Census Tract | 30400 |
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 | 4499 5TH ST, COLUMBIAVILLE, MI 48421-9669 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | His Wife |
| Date | Document |
|---|---|
| Sep 22, 2026 | Warranty Deed, Transfer · Conventional Mortgage CASON HOME LOANS |
| Jan 17, 2020 | Deed of Trust, Mortgage · Conventional Mortgage LAKE MI CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 22, 2026 · Amount on Record |
| Deed Sale | Sep 22, 2026 · Amount on Record |
| Deed Document Number | 20263407292 |
| Deed Book / Page | 1342 / 660 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SHIAWASSEE MI |
| Recording Date | Sep 22, 2026 |
| Property Address | 654 1ST ST, OWOSSO, MI 48867-2105 |
| Document Number | 0003407292 |
| Book / Page | 1342 / 660 |
| Instrument Date | Sep 18, 2026 |
| Instrument | 20263407292 |
| Transaction Type | Transfer |
| Record Updated | Oct 8, 2026 |
| Title Company | MASON BURGESS TITLE AGENCY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $356,126.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4499 5TH ST, COLUMBIAVILLE, MI 48421-9669 |
| Document Number | 0003407292, |
|---|---|
| Date | Sep 22, 2026 |
| Book Page | 1342/661 |
| Instrument | 20263407292 |
| Name | CASON HOME LOANS |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHIAWASSEE MI |
| Property Address | 654 1ST ST, OWOSSO, MI 48867-2105 |
| Instrument Date | Jan 17, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Feb 6, 2020 |
| Title Company | ATA NATIONAL TITLE GROUP LLC, ATA NAT'L TITLE GROUP LLC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 981 NW 11TH AVE CANBY OR 970133374, CANBY, OR 97013-3374 |
| Document Number | 12650313 |
|---|---|
| Date | Jan 23, 2020 |
| Book Page | 001265/000313 |
| Instrument | 3328942 |
| Name | LAKE MI CU |
|---|---|
| Type | Credit Union |
| Address | GRAND RAPIDS, MI 49501 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 22, 2050 |
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 | $232,000 (+10.32%) | $464,000 (+10.32%) | |
| 2025 | $7,291.00 (+4.91%) Homeowner's exemption | $210,300 (+21.84%) | $420,600 (+21.84%) |
| 2023 | $6,950.00 Homeowner's exemption | $172,600 | $345,200 |
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 351 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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