686 Richardson Rd, Owosso, MI 48867 Property Records

Shiawassee County property record for 686 Richardson Rd, Owosso, MI 48867

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,591 sqft · built 1962
Lot Size	3.03 acres (131,987 sqft)
Owner	Individual Name on Record
Tax Bill	$2,300 (2025)
Deeds & Mortgages	Feb 2022 Reverse Mortgage Nov 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`007-31-400-010`

Property Details

APN / Parcel Number

Primary APN	`007-31-400-010`
Alternative APN	`0073140001000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,591 sqft Heated Area
1st Floor Area	1,591 sqft
Basement Area	1,591 sqft
Finished Basement	1,152 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Exterior Material	Aluminum/Vinyl
Lot Area	131,987 sqft (3.03 acres)
Lot Dimensions	660 ft deep x 200 ft wide
Garage Area	1,152 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab
Deck Area	35 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	686 RICHARDSON RD
City	OWOSSO
State	MI
Zip	48867-9754
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SEC. 31 T7N R3E. STRIP OF LD 200 FT WIDE E&W OFF E END OF N 12 OF NW 14 OF SE 14.
Legal Range	03E
Legal Township	07N
Legal Section	31
Jurisdiction	SHIAWASSEE MI
Township / Civil Division	CALEDONIA
Census Block Group	2
Census Block	2045
Census Tract	31600

Owner

Source: Shiawassee County records, as of July 16, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	686 RICHARDSON RD, OWOSSO, MI 48867-9754
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 28, 2022	Deed of Trust, Mortgage · Reverse Mortgage AMERICAN ADVISORS GROUP
Nov 24, 2018	Deed of Trust, Mortgage · FHA Mortgage AMERICAN ADVISORS
Nov 24, 2018	Deed of Trust, Mortgage · FHA Mortgage COMMISSIONER/HSNG & URBAN DEV

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHIAWASSEE MI
Property Address	686 RICHARDSON RD, OWOSSO, MI 48867-9754
Transaction Type	Mortgage
Record Updated	Apr 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	686 RICHARDSON RD, OWOSSO, MI 48867-9754

Mortgage

Document Number	0012930315
Date	Feb 28, 2022
Book Page	1293/315
Instrument	3357216

Lender

Name	AMERICAN ADVISORS GROUP
Type	Mortgage Company
Address	IRVINE, CA 92612

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Adjustable	Adjustable Rate Rider
Change Frequency	Monthly
Index	1-Year CMT
Max Rate	8.25%

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHIAWASSEE MI
Property Address	686 RICHARDSON RD, OWOSSO, MI 48867-9754
Document Number	0012520161
Instrument Date	Nov 24, 2018
Transaction Type	Mortgage
Record Updated	Sep 12, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	686 RICHARDSON RD OWOSSO MI 488679754, OWOSSO, MI 48867-9754

Mortgage

Document Number	0012520161
Date	Nov 30, 2018
Book Page	001252/000161
Instrument	3315574

Lender

Name	AMERICAN ADVISORS
Address	ORANGE, CA 92868

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	1020 Months

Interest

Rate Type	Adjustable Rate

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHIAWASSEE MI
Property Address	686 RICHARDSON RD, OWOSSO, MI 48867-9754
Document Number	0012520162
Instrument Date	Nov 24, 2018
Transaction Type	Mortgage
Record Updated	Sep 30, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	686 RICHARDSON RD OWOSSO MI 488679754, OWOSSO, MI 48867-9754

Mortgage

Document Number	0012520162
Date	Nov 30, 2018
Book Page	001252/000162

Lender

Name	COMMISSIONER/HSNG & URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	1020 Months

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Shiawassee County assessment roll, as of July 16, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Shiawassee County
County Subdivision	Caledonia Charter Township
Unified School District	Owosso Public Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$140,000 (+2.87%)	$280,000 (+2.87%)
2025	$2,300.00 (+4.12%) Homeowner's exemption	$136,100 (+19.7%)	$272,200 (+19.7%)
2023	$2,209.00 Homeowner's exemption	$113,700	$227,400

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

Flood

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 85% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 40 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
DayStarr Fiber	1,000 / 1,000
Spectrum Cable	1,000 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Richardson Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures