109 E Lawrence Ave, Charlotte, MI 48813 Property Records

Eaton County property record for 109 E Lawrence Ave, Charlotte, MI 48813

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	16,563 sqft · built 1860
Lot Size	0.16 acres (6,970 sqft)
Owner	Company Name on Record
Last Sale	$190,000 (Mar 2024)
Tax Bill	$5,969 (2025)
Deeds & Mortgages	Mar 2024 Sale & Mortgage Mar 2024 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`20000001803500`

Property Details

APN / Parcel Number

Primary APN	`20000001803500`

Interior

Stories	1 Story
Building Area	16,563 sqft Total Area

Exterior

Year Built	Built 1860
Effective Year Built	Effective 1860
Fire Resistance	Masonry Walls, Wood Interior
Lot Area	6,970 sqft (0.16 acres)
Lot Dimensions	130 ft deep x 50 ft wide
Total Buildings	4 Buildings

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Forced Air with A/C

Location & Zoning

Street Address	109 E LAWRENCE AVE
City	CHARLOTTE
State	MI
Zip	48813-1554
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Local Zoning Code	N/A
Legal Description	COM 80 FT E OF SW COR BLOCK 18, N 40 FT, W 6 IN., N 66 FT, E 18.66 FT, N 49 FT, E 31.33 FT, S 155 FT, W 49.5 FT TO BEG. WITH R/W ON NW TO COCHRAN OP BLOCK 18, CITY OF CHARLOTTE 1975 CHARLOTTE D.D.A.
Legal Subdivision	CHARLOTTE
Legal Block	18
Jurisdiction	EATON MI
Township / Civil Division	CHARLOTTE
Census Block Group	3
Census Block	3021
Census Tract	20901

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Charlotte Central Historic District listed 2020 · 308 contributing resources · NRIS 100002684

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Eaton County records, 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 Record
Mailing Address	2606 S COCHRAN RD, CHARLOTTE, MI 48813-8139
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Mar 8, 2024	Warranty Deed, Transfer · Commercial Mortgage EATON COMMUNITY BANK
Mar 8, 2024	Warranty Deed, Transfer
Oct 7, 2020	Quit Claim Deed, Transfer Quitclaim
Oct 7, 2020	Land Contract, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 8, 2024 · Amount on Record
Deed Sale	Mar 8, 2024 · Amount on Record
Prior Sale	Mar 8, 2024 · Amount on Record
Deed Book / Page	3083 / 1127
Prior Transfer Date	Sep 10, 2020
Prior Transfer Doc	2874/156
Record Updated	Sep 20, 2026

March 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EATON MI
Recording Date	Mar 8, 2024
Property Address	109 E LAWRENCE AVE, CHARLOTTE, MI 48813-1554
Document Number	03083/1127
Book / Page	3083 / 1127
Instrument Date	Mar 5, 2024
Transaction Type	Transfer
Record Updated	Mar 22, 2024
Title Company	ARM TITLE AGENCY LLC, STAR TITLE AGENCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,425.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1719 LAVENDER DR, HASTINGS, MI 49058-9029

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 E LAWRENCE AVE, CHARLOTTE, MI 48813-1554

Mortgage

Document Number	0030831129
Date	Mar 8, 2024
Instrument	3083-1129

Lender

Name	EATON COMMUNITY BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2039

Interest

Rate Type	Adjustable Rate

March 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EATON MI
Recording Date	Mar 8, 2024
Property Address	109 E LAWRENCE AVE, CHARLOTTE, MI 48813-1554
Document Number	03083/1126
Book / Page	3083 / 1126
Instrument Date	Feb 27, 2024
Transaction Type	Transfer
Record Updated	Mar 22, 2024

Transaction

Amount	Amount Recorded
Tax	$975.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	241 E SAGINAW ST, EAST LANSING, MI 48823-2792

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1719 LAVENDER DR, HASTINGS, MI 49058-9029

October 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	EATON MI
Recording Date	Oct 7, 2020
Property Address	109 E LAWRENCE AVE, CHARLOTTE, MI 48813-1554
Document Number	2874/156
Book / Page	2874 / 156
Instrument Date	Sep 10, 2020
Transaction Type	Transfer
Record Updated	Sep 7, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11642 LOST LAKE DR NE, 11642, GREENVILLE, MI 48838-8157

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	241 E SAGINAW ST, EAST LANSING, MI 48823-2792
Investor	Possibly a Property Investor

October 2020: Land Contract, Transfer

Document Type	Land Contract
Jurisdiction	EATON MI
Recording Date	Oct 7, 2020
Property Address	109 E LAWRENCE AVE, CHARLOTTE, MI 48813-1554
Document Number	2874/158
Book / Page	2874 / 158
Instrument Date	Sep 10, 2020
Transaction Type	Transfer
Record Updated	Sep 7, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

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		$110,500 (+59.91%)	$172,521 (+24.83%) Land $52,177 Building $120,344
2025	$5,969.00 (+31.33%)
2023		$69,100	$138,200
2022	$4,545.00

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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.

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 489 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
Mercury Fiber Fixed Wireless	150 / 20

May also be available: ACD.net, AT&T.

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