1003 Sheldon Row, Charlotte, MI 48813 Property Records

Eaton County property record for 1003 Sheldon Row, Charlotte, MI 48813

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,630 sqft · built 1974
Lot Size	0.28 acres (12,197 sqft)
Owner	Individual Name on Record
Last Sale	$135,000 (Oct 2016)
Tax Bill	$5,398 (2025)
Deeds & Mortgages	May 2020 Mortgage Nov 2007 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`20005200035000`

Property Details

APN / Parcel Number

Primary APN	`20005200035000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	3 Stories
Building Area	1,630 sqft Living Area
1st Floor Area	1,032 sqft
Basement Area	480 sqft
Unfinished Basement	480 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Architectural Style	Tri-Level
Exterior Material	Aluminum/Vinyl
Lot Area	12,197 sqft (0.28 acres)
Lot Dimensions	120 ft deep x 100 ft wide
Garage Area	480 sqft
Porch	Porch
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1003 SHELDON ROW
City	CHARLOTTE
State	MI
Zip	48813-1013
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	N/A
Legal Description	LOT 35 GREENWOOD TERRACE PLAT NO. 1 CITY OF CHARLOTTE
Legal Subdivision	GREENWOOD TERRACE
Legal Lot Number	35
Jurisdiction	EATON MI
Township / Civil Division	CHARLOTTE
Census Block Group	3
Census Block	3014
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	Individual Name on Record
Mailing Address	1003 SHELDON ROW, CHARLOTTE, MI 48813-1013
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 12, 2020	Deed of Trust, Mortgage · Conventional Mortgage ROYAL UNITED MORTGAGE LLC
Nov 13, 2007	Deed of Trust, Mortgage EATON FSB
May 12, 2020	Deed of Trust, Mortgage · Conventional Mortgage ROYAL UNITED MORTGAGE LLC
Oct 3, 2016	Warranty Deed, Transfer · Conventional Mortgage MICHIGAN COMMUNITY CU
Feb 24, 2011	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 3, 2016 · Amount on Record
Deed Sale	Oct 3, 2016 · Amount on Record
Prior Sale	Dec 20, 2004 · Amount on Record
Deed Book / Page	2644 / 827
Prior Transfer Date	Feb 21, 2011
Prior Transfer Doc	2327/0261
Record Updated	Oct 29, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EATON MI
Property Address	1003 SHELDON ROW, CHARLOTTE, MI 48813-1013
Transaction Type	Mortgage
Record Updated	Jun 22, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002845/454
Date	May 12, 2020
Book Page	2845/454

Lender

Name	ROYAL UNITED MORTGAGE LLC
Type	Mortgage Company
Address	INDIANAPOLIS, IN 46250

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2050

November 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EATON MI
Property Address	1003 SHELDON ROW, CHARLOTTE, MI 48813-1013
Transaction Type	Mortgage
Record Updated	Jun 22, 2026
Title Company	FIRST AMERICAN TITLE, FATIC

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	02150/0826
Date	Nov 13, 2007
Book Page	2150/0826

Lender

Name	EATON FSB
Type	Bank
Address	CHARLOTTE, MI 48813

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2037

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EATON MI
Property Address	1003 SHELDON ROW, CHARLOTTE, MI 48813-1013
Transaction Type	Mortgage
Record Updated	May 29, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2845/454
Date	May 12, 2020
Book Page	2845/454

Lender

Name	ROYAL UNITED MORTGAGE LLC
Type	Mortgage Company
Address	INDIANAPOLIS, IN 46250

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2050

October 2016: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EATON MI
Recording Date	Oct 3, 2016
Property Address	1003 SHELDON ROW, CHARLOTTE, MI 48813-1013
Document Number	02644/0827
Book / Page	2644 / 0827
Map Reference	LB5 PG19
Instrument Date	Sep 27, 2016
Transaction Type	Transfer
Record Updated	Jun 22, 2026
Title Company	MIDSTATE TITLE AGENCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,161.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1003 SHELDON ROW, CHARLOTTE, MI 48813-1013

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1003 SHELDON ROW, CHARLOTTE, MI 48813-1013

Mortgage

Document Number	0026440828
Date	Oct 3, 2016
Instrument	2644/0828

Lender

Name	MICHIGAN COMMUNITY CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2046

February 2011: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	EATON MI
Recording Date	Feb 24, 2011
Property Address	1003 SHELDON ROW, CHARLOTTE, MI 48813-1013
Document Number	02327/0261
Book / Page	2327 / 0261
Map Reference	LB5 PG19
Instrument Date	Feb 21, 2011
Transaction Type	Transfer
Record Updated	Jun 22, 2026

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1003 SHELDON ROW, CHARLOTTE, MI 48813-1013

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	1003 SHELDON ROW, CHARLOTTE, MI 48813-1013

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		$104,900 (+3.05%)	$203,648 (-) Land $34,038 Building $169,610
2025	$5,398.00 (+2.96%)	$101,800 (+14.77%)	$203,648 (+14.8%) Land $34,038 Building $169,610
2024	$5,243.00 (+11.6%)
2023		$88,700	$177,400
2022	$4,698.00

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 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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