1077 Gidner Rd, Charlotte, MI 48813 Property Records

Eaton County property record for 1077 Gidner Rd, Charlotte, MI 48813

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,636 sqft · built 1967
Lot Size	0.55 acres (23,958 sqft)
Owner	Company Name on File
Last Sale	$178,000 (Oct 2025)
Tax Bill	$2,803 (2025)
Deeds & Mortgages	Oct 2025 Sale & Construction Loan Jan 2024 Foreclosure + 3 more
Flood Zone	Zone X (minimal risk)
APN	`11008060001400`

Property Details

APN / Parcel Number

Primary APN	`11008060001400`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	1,636 sqft Living Area
1st Floor Area	720 sqft

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1967
Architectural Style	Bi-Level
Lot Area	23,958 sqft (0.55 acres)
Lot Dimensions	220 ft deep x 110 ft wide
Garage Area	288 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	1077 GIDNER RD
City	CHARLOTTE
State	MI
Zip	48813-9743
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT 14. URBAN FARMS NO.1.SEC.4, T2N,R4W, EATON TWP
Legal Range	04W
Legal Township	02N
Legal Section	04
Legal Subdivision	URBAN FARMS
Legal Lot Number	14
Jurisdiction	EATON MI
Township / Civil Division	EATON
Census Block Group	1
Census Block	1000
Census Tract	21001

Owner

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

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

Owner of Record	Company Name on File
Mailing Address	1950 GIDNER RD, CHARLOTTE, MI 48813-8715
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Oct 29, 2025	Deed, Construction Loan · Construction Mortgage OAKTREE FUNDING CORP
Jan 4, 2024	Sheriff's Deed, Foreclosure
Sep 22, 2020	Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE COMPANY INC
Jun 29, 2016	Warranty Deed, Transfer · VA Mortgage USAA FSB
Sep 14, 2009	Warranty Deed, Transfer FIFTH THIRD MORTGAGE MICHIGAN LLC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Oct 29, 2025 · Amount on Record
Deed Sale	Oct 29, 2025 · Amount on Record
Prior Sale	Jan 4, 2024 · Amount on Record
Deed Book / Page	3162 / 704
Record Updated	Sep 20, 2026

October 2025: Deed, Construction Loan

Document Type	Deed
Jurisdiction	EATON MI
Recording Date	Oct 29, 2025
Property Address	1077 GIDNER RD, CHARLOTTE, MI 48813-9743
Document Number	003162/704
Book / Page	3162 / 704
Map Reference	LB 5 PG 8
Instrument Date	Oct 7, 2025
Transaction Type	Construction Loan
Record Updated	Jun 22, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,335.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1600 S DOUGLASS RD # RD200A, RD200A, ANAHEIM, CA 92806-5948

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1950 GIDNER RD, CHARLOTTE, MI 48813-8715

Mortgage

Document Number	0003162708
Date	Oct 29, 2025
Instrument	3162/708

Lender

Name	OAKTREE FUNDING CORP
Type	Subprime Lender

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	19 Months
Due	May 1, 2027

January 2024: Sheriff's Deed, Foreclosure

Document Type	Sheriff's Deed
Jurisdiction	EATON MI
Recording Date	Jan 4, 2024
Property Address	1077 GIDNER RD, CHARLOTTE, MI 48813-9743
Document Number	003077/523
Book / Page	3077 / 523
Instrument Date	Dec 7, 2023
Transaction Type	Foreclosure
Record Updated	Jun 22, 2026

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Trustee Sale Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1600 S DOUGLASS RD STE 200, 200, ANAHEIM, CA 92806-5951

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EATON MI
Recording Date	Sep 22, 2020
Property Address	1077 GIDNER RD, CHARLOTTE, MI 48813-9743
Document Number	002870/870
Book / Page	2870 / 870
Map Reference	LB 5 PG 8
Instrument Date	Sep 11, 2020
Transaction Type	Transfer
Record Updated	Jun 22, 2026
Title Company	TRANSNATION TITLE AGENCY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,548.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2674 NARROW LAKE RD, CHARLOTTE, MI 48813-9167

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	462 ASH RDG, MASON, MI 48854-2540

Mortgage

Document Number	0002870873
Date	Sep 22, 2020
Instrument	2870/873

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

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

June 2016: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EATON MI
Recording Date	Jun 29, 2016
Property Address	1077 GIDNER RD, CHARLOTTE, MI 48813-9743
Document Number	02628/0221
Book / Page	2628 / 0221
Map Reference	LB5 PG8
Instrument Date	Jun 28, 2016
Transaction Type	Transfer
Record Updated	Jun 22, 2026
Title Company	MIDSTATE TITLE AGENCY LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,118.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1077 GIDNER RD, CHARLOTTE, MI 48813-9743

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	448 COLE HWY, CHARLOTTE, MI 48813
Investor	Possibly a Property Investor

Mortgage

Document Number	02628/0222
Date	Jun 29, 2016
Book Page	2628/0222

Lender

Name	USAA FSB
Type	Bank
Address	SAN ANTONIO, TX 78288

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2046

September 2009: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EATON MI
Recording Date	Sep 14, 2009
Property Address	1077 GIDNER RD, CHARLOTTE, MI 48813-9743
Document Number	02248/0843
Book / Page	2248 / 0843
Map Reference	LB5 PG8
Instrument Date	Sep 8, 2009
Transaction Type	Transfer
Record Updated	Jun 22, 2026
Title Company	MIDSTATE TITLE-ATTORNEYS TIT

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,100.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1077 GIDNER RD, CHARLOTTE, MI 48813-9743

Mortgage

Document Number	0022480844
Date	Sep 14, 2009
Instrument	2248/0844

Lender

Name	FIFTH THIRD MORTGAGE MICHIGAN LLC
Type	Mortgage Company

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2039

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$103,950 (+6.4%)	$195,422 (-) Land $33,861 Building $161,561
2025	$2,803.00 (+2.67%) Homeowner's exemption	$97,700 (+6.89%)	$195,422 (+6.9%) Land $33,861 Building $161,561
2024	$2,730.00 (+12.95%)
2023		$91,400	$182,800
2022	$2,417.00

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 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 95% of the US · lower than 89% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Internet Providers

Source: FCC Broadband Data Collection, based on 33 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Fiber	2,000 / 2,000
WOW Internet, Cable & Phone Cable	1,200 / 50
Tri-County Electric Cooperative Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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