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Single Family ResidenceResidential
$176,546$123 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 86How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Oct 21, 2026
Last sold for $155,300 on Dec 2, 2024

407 N WATER ST

OWOSSO, MI 48867
4
Beds
1.5
Baths
1,432 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.18 ac
Lot SizeThe size of the land the home sits on, from county records.
1925
Year BuiltThe year the home was originally built, according to county records.

Valuation

$177K
$153K low$200K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$155,300 · Dec 2, 2024

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,502 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$89,400 (2026)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$82,800
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$178,800

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.24
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
1
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
57
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
56
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
6
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Custom Design
CountySHIAWASSEE
Lot (acres)The size of the land the home sits on, from county records.0.18
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(5)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

M
Owosso Middle SchoolD
Middle · Grades 6–8 · 0.1 mi
E
Central SchoolC
Elementary · Grades KG–5 · 0.3 mi
H
Owosso High SchoolC
High · Grades 9–12 · 1.1 mi

District: Owosso Public Schools

Neighborhood · ZIP 48867These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.106
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.97
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.18

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.93%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.15%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.13%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.5%
PopulationHow many people live in this area.28,291
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.204 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$63,142
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$79,363
Average tempThe average temperature here across a full year.47°F
Annual precipHow much rain and melted snow falls here in a typical year.32 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.50%

Owner Tools

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

407 N Water St measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Has a smaller lot than 88% of homes in Shiawassee County
  • Older than 73% of homes in Shiawassee County

What homes are worth in Owosso 48867

Each bar is how many homes fall in that price range. The marker is this home.

This home
$64K$491K

This home is worth more than 52% of homes in Owosso 48867.

How it measures up in Owosso 48867

The dot is this home. The mark in the middle is the typical home in Owosso 48867.

Estimated value$176,546
CheaperTypical $172,854Pricier

Pricier than 52% of homes nearby

Price per ft²$123
CheaperTypical $128Pricier

Pricier than 46% of homes nearby

Living area1,432 ft²
SmallerTypical 1,300 ft²Bigger

Bigger than 62% of homes nearby

Lot size0.18 ac
SmallerTypical 0.34 acBigger

Bigger than 19% of homes nearby

Year built1925
OlderTypical 1945Newer

Newer than 38% of homes nearby

How 407 N Water St ranks against every home in each area.
MeasureThis homeOwosso 48867Shiawassee County
Estimated valuepricier than$176,54652% of homes46% of homes
Price per ft²pricier than$12346% of homes38% of homes
Living areabigger than1,432 ft²62% of homes54% of homes
Lot sizebigger than0.18 ac19% of homes12% of homes
Year builtnewer than192538% of homes27% of homes

About 407 N Water St

How much is 407 N Water St, Owosso, MI worth?

The TopHap Estimate for 407 N Water St, Owosso, MI is $176,546 as of Oct 21, 2026. The likely range is $152,690 to $200,402. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 407 N Water St, Owosso, MI last sell?

407 N Water St, Owosso, MI last sold on Dec 2, 2024 for $155,300, according to the county's recorded deed. TopHap holds 5 recorded sales for this parcel.

How big is 407 N Water St, Owosso, MI?

407 N Water St, Owosso, MI has 4 bedrooms, 1.5 bathrooms, 1,432 square feet of living space and a 0.18-acre lot.

When was 407 N Water St, Owosso, MI built?

407 N Water St, Owosso, MI was built in 1925, making it 101 years old. It is a custom design home.

What schools serve 407 N Water St, Owosso, MI?

407 N Water St, Owosso, MI is assigned to Owosso Middle School (middle), rated D; Central School (elementary), rated C; Owosso High School (high), rated C. All sit in Owosso Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 407 N Water St, Owosso, MI compare to other homes in Owosso 48867?

Among the 9,865 homes in Owosso 48867, it is worth more than 52% of them ($176,546 against a typical $172,854), its price per square foot is higher than 46% of them ($123 against a typical $128), it is bigger than 62% of them (1,432 ft² against a typical 1,300 ft²), its lot is bigger than 19% of them (0.18 ac against a typical 0.34 ac) and it is newer than 38% of them (1925 against a typical 1945). Measured against all of Shiawassee County, it is worth more than 46% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 407 N Water St, Owosso, MI?

The 2025 property tax bill for 407 N Water St, Owosso, MI was $3,502. The county assessed it at $89,400.

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