Shiawassee County property record for 821 Ryan St, Owosso, MI 48867
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.19 acres (8,276 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $126,500 (Mar 2026) |
| Tax Bill | $2,254 (2025) |
| Deeds & Mortgages | Mar 2026 Sale & Mortgage Jul 2019 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 050-113-001-005-00 |
| Primary APN | 050-113-001-005-00 |
|---|
| Lot Area | 8,276 sqft (0.19 acres) |
|---|
| Street Address | 821 RYAN ST |
|---|---|
| City | OWOSSO |
| State | MI |
| Zip | 48867-3435 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | W 61' LOT 6 BLK 1 CITY ASSESSORS PLAT 3 |
| Legal Subdivision | ASSESSORS 3 -CITY OF OWOSSO |
| Legal Block | 1 |
| Legal Lot Number | 6 |
| Jurisdiction | SHIAWASSEE MI |
| Township / Civil Division | OWOSSO |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 30700 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 821 RYAN ST, OWOSSO, MI 48867-3435 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single |
| Date | Document |
|---|---|
| Mar 3, 2026 | Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC |
| Jul 15, 2019 | Warranty Deed, Transfer · Conventional Mortgage MICHIGAN ST HSNG DEV AUTH |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 3, 2026 · Amount on Record |
| Deed Sale | Mar 3, 2026 · Amount on Record |
| Prior Sale | Oct 7, 2024 · Amount on Record |
| Deed Document Number | 20263400373 |
| Deed Book / Page | 1335 / 814 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SHIAWASSEE MI |
| Recording Date | Mar 3, 2026 |
| Property Address | 821 RYAN ST, OWOSSO, MI 48867-3435 |
| Document Number | 0013350814 |
| Book / Page | 1335 / 814 |
| Map Reference | LB 1 PG 43 |
| Instrument Date | Feb 27, 2026 |
| Instrument | 3400373 |
| Transaction Type | Transfer |
| Record Updated | Mar 24, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $948.75 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 821 RYAN ST, OWOSSO, MI 48867-3435 |
| Name | Verified Name |
|---|---|
| Address | 821 RYAN ST, OWOSSO, MI 48867-3435 |
| Document Number | 0003400530 |
|---|---|
| Date | Mar 3, 2026 |
| Instrument | 3400530 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SHIAWASSEE MI |
| Recording Date | Jul 15, 2019 |
| Property Address | 821 RYAN ST, OWOSSO, MI 48867-3435 |
| Document Number | 0012590001 |
| Book / Page | 001259 / 000001 |
| Instrument Date | Jun 26, 2019 |
| Instrument | 3322563 |
| Transaction Type | Transfer |
| Record Updated | Aug 8, 2019 |
| Title Company | ATA NATIONAL TITLE GROUP LLC, ATA NAT'L TITLE GROUP LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $525.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 809 1/2 RIVER RD OWOSSO MI 48867, OWOSSO, MI 48867 |
| Document Number | 12590003 |
|---|---|
| Date | Jul 15, 2019 |
| Book Page | 001259/000003 |
| Instrument | 3322565 |
| Name | MICHIGAN ST HSNG DEV AUTH |
|---|---|
| Address | LANSING, MI 48912 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Number | 12590002, |
|---|---|
| Date | Jul 15, 2019 |
| Book Page | 001259/000002 |
| Instrument | 3322584 |
| Name | OTHER INSTITUTIONAL LENDERS |
|---|---|
| Type | Bank |
| Address | STERLING HEIGHTS, MI 48314 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 14, 2049 |
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 | $59,000 (+10.69%) | $118,000 (+10.69%) | |
| 2025 | $2,254.00 (+19.77%) Homeowner's exemption | $53,300 (+20.86%) | $106,600 (+20.86%) |
| 2024 | $1,882.00 | ||
| 2023 | $1,882.00 Homeowner's exemption | $44,100 | $88,200 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
Source: FEMA National Flood Hazard Layer, effective April 12, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 35 policies |
| Nearby Flood Policies | 35 in force |
| Nearby Flood Claims | 15 (1981–2009) |
| Claims Outside the SFHA | 2 of 15 |
| Most Recent Claim | Apr 2009 · rainfall accumulation |
| Claims by Event |
|
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 400 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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