1002 Sheldon Row, Charlotte, MI 48813 Property Records

Eaton County property record for 1002 Sheldon Row, Charlotte, MI 48813

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,296 sqft · built 1986
Lot Size	0.52 acres (22,651 sqft)
Owner	2 Individual Names on Record
Last Sale	$325,000 (Apr 2025)
Tax Bill	$6,359 (2025)
Deeds & Mortgages	May 2024 Second Mortgage Oct 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20001220008500`

Property Details

APN / Parcel Number

Primary APN	`20001220008500`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,296 sqft Living Area
1st Floor Area	2,296 sqft
Basement Area	1,030 sqft
Unfinished Basement	1,030 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	22,651 sqft (0.52 acres)
Lot Dimensions	135 ft deep x 133 ft wide
Garage Area	816 sqft
Pool Type	Spa / Hot Tub (No Pool)
Porch	Porch
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1002 SHELDON ROW
City	CHARLOTTE
State	MI
Zip	48813-1014
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	N/A
Legal Description	S 166.5 FT OF W 135 FT OF FOLLOWING: COM 330 FT W OF SE COR OF NE 1/4 OF NE 1/4 N 0?39' W 300 FT, S 89?31' W 336.57 FT M/L TO E LINE SHELDON ST, S 300 FT, N 89?31' E 340 FT M/L TO BEG. SEC.12, T2N,R5W, CITY OF CHARLOTTE 1987
Legal Range	05W
Legal Township	02N
Legal Section	12
Jurisdiction	EATON MI
Township / Civil Division	CHARLOTTE
Census Block Group	3
Census Block	3016
Census Tract	21001

Owner

Source: Eaton 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	10082 ROUND LAKE RD, VERMONTVILLE, MI 49096-9752
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
May 9, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK
Oct 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage HORIZON BANK
Jan 3, 2017	Warranty Deed, Transfer · VA Mortgage HORIZON BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 9, 2025 · Amount on Record
Deed Sale	Apr 9, 2025 · Amount on Record
Prior Sale	Jan 3, 2017 · Amount on Record
Deed Book / Page	3133 / 480
Record Updated	Oct 29, 2026

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EATON MI
Property Address	1002 SHELDON ROW, CHARLOTTE, MI 48813-1014
Transaction Type	Mortgage
Record Updated	May 22, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1002 SHELDON ROW, CHARLOTTE, MI 48813-1014

Mortgage

Document Number	03090/1210
Date	May 9, 2024
Book Page	3090/1210

Lender

Name	DISCOVER BANK
Type	Bank
Address	GREENWOOD, DE 19950

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 9, 2054

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EATON MI
Property Address	1002 SHELDON ROW, CHARLOTTE, MI 48813-1014
Transaction Type	Mortgage
Record Updated	Oct 26, 2021
Title Company	ATA NATIONAL TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1002 SHELDON ROW, CHARLOTTE, MI 48813-1014

Mortgage

Document Number	2961/143
Date	Oct 12, 2021
Book Page	2961/143

Lender

Name	HORIZON BANK
Type	Bank
Address	MICHIGAN CITY, IN 46360

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EATON MI
Recording Date	Jan 3, 2017
Property Address	1002 SHELDON ROW, CHARLOTTE, MI 48813-1014
Document Number	2659/0074
Book / Page	2659 / 0074
Instrument Date	Dec 21, 2016
Transaction Type	Transfer
Record Updated	Sep 7, 2021
Title Company	MIDSTATE TITLE AGENCY LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,655.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1002 SHELDON ROW, 1002, CHARLOTTE, MI 48813-1014

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1930 ASPIN DR, ELKHART, IN 46514-1446

Mortgage

Document Number	26590075
Date	Jan 3, 2017
Instrument	2659/0075

Lender

Name	HORIZON BANK NA
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2047

Tax Assessment & Valuation

Source: Eaton County assessment roll, as of August 17, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Eaton County
Municipality	Charlotte City
Unified School District	Charlotte Public Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$177,800 (+19.01%)	$342,295 (+14.56%) Land $42,776 Building $299,519
2025	$6,359.00 (+15.37%)
2023		$149,400	$298,800
2022	$5,512.00

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.

Flood

Source: FEMA National Flood Hazard Layer, effective November 26, 2010 · 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 Claims	1 (1985)
Most Recent Claim	Feb 1985 · tidal / storm surge

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 98% of the US · lower than 95% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF CHARLOTTE serves 9,074 people · EPA ID MI0001340
Water Source	Groundwater
Last State Inspection	Jun 2025
Lead	Under 1 ppb (2024) action level 15 ppb
Copper	1.4 mg/L (2020) action level 1.3 mg/L

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 175 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
WOW Internet, Cable & Phone Cable	1,200 / 50
Verizon Fixed Wireless	300 / 20

May also be available: Mercury Fiber.

Cell Coverage

5G (outdoors only) and 4G LTE

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