112 E Stoddard St, Charlotte, MI 48813 Property Records

Eaton County property record for 112 E Stoddard St, Charlotte, MI 48813

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,806 sqft · built 1910
Lot Size	0.134 acres (5,837 sqft)
Owner	Individual Name on Record
Last Sale	$173,000 (Aug 2024)
Tax Bill	$4,682 (2025)
Deeds & Mortgages	Oct 2016 Line of Credit Nov 2024 Transfer + 8 more
Flood Zone	Zone X (minimal risk)
APN	`20000001001501`

Property Details

APN / Parcel Number

Primary APN	`20000001001501`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,806 sqft Living Area
1st Floor Area	1,320 sqft
Basement Area	810 sqft
Unfinished Basement	810 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Exterior Material	Aluminum/Vinyl
Lot Area	5,837 sqft (0.134 acres)
Lot Dimensions	82.3 ft deep x 73 ft wide
Garage Area	511 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	112 E STODDARD ST
City	CHARLOTTE
State	MI
Zip	48813-1537
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	N/A
Legal Description	E 46 FT OF LOT 1. E 46 FT OF N 1/2 OF LOT 4. W 27 FT OF LOT 2. W 27 FT OF N 1/2 OF LOT 3. W 11.3 FT OF E 114.3 FT OF S 1/2 OF LOT 3. COM NW COR LOT 1; E 84 FT; S 60 FT; E 30.37 FT TO POB; E 31.33 FT; S 47 FT; W 31.33 FT; N 47 FT TO POB. BLK 10, O.P.
Legal Subdivision	CHARLOTTE
Legal Block	10
Legal Lot Number	1-4
Jurisdiction	EATON MI
Township / Civil Division	CHARLOTTE
Census Block Group	3
Census Block	3020
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 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	112 E STODDARD ST, CHARLOTTE, MI 48813-1537
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 25, 2016	Deed of Trust, Mortgage · Line of Credit INDEPENDENT BANK
Nov 27, 2024	Correction Deed
Aug 22, 2024	Warranty Deed, Transfer · Conventional Mortgage JACKSON FLAGSTAR CENTRE OFFICE
Apr 24, 2019	Warranty Deed, Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE INC
Dec 7, 2017	Intrafamily Transfer, Transfer
Aug 16, 2017	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Oct 3, 2013	Deed, Transfer METRO ADVANTAGE TITLE AGENCY LLC, METRO ADVANTAGE TITLE AGENCY
Oct 3, 2013	Warranty Deed, Transfer METRO ADVANTAGE TITLE
Apr 5, 2013	Warranty Deed, Foreclosure
May 18, 2012	Sheriff's Deed, Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 22, 2024 · Amount on Record
Deed Sale	Aug 22, 2024 · Amount on Record
Prior Sale	Apr 24, 2019 · Amount on Record
Deed Book / Page	3104 / 1173
Prior Transfer Date	Dec 1, 2017
Prior Transfer Doc	2712/0413
Record Updated	Oct 29, 2026

October 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EATON MI
Property Address	112 E STODDARD ST, CHARLOTTE, MI 48813-1537
Transaction Type	Mortgage
Record Updated	Jun 22, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02648/0774
Date	Oct 25, 2016
Book Page	2648/0774

Lender

Name	INDEPENDENT BANK
Type	Bank
Address	CHARLOTTE, MI 48813

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2024: Correction Deed

Document Type	Correction Deed
Jurisdiction	EATON MI
Recording Date	Nov 27, 2024
Property Address	112 E STODDARD ST, CHARLOTTE, MI 48813-1537
Document Number	003118/363
Book / Page	3118 / 363
Instrument Date	Nov 25, 2024
Record Updated	Jun 22, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	234 N COCHRAN AVE, CHARLOTTE, MI 48813-1578

August 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EATON MI
Recording Date	Aug 22, 2024
Property Address	112 E STODDARD ST, CHARLOTTE, MI 48813-1537
Document Number	03104/1173
Book / Page	3104 / 1173
Instrument Date	Aug 21, 2024
Transaction Type	Transfer
Record Updated	Jun 22, 2026
Title Company	ATA NATIONAL TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,297.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1560 RUSSELL LEA DR, CHARLOTTE, MI 48813-8727

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	436 N SHELDON ST, CHARLOTTE, MI 48813-1225

Mortgage

Document Number	0003104822
Date	Aug 22, 2024
Instrument	3104/822

Lender

Name	JACKSON FLAGSTAR CENTRE OFFICE
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2054

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EATON MI
Recording Date	Apr 24, 2019
Property Address	112 E STODDARD ST, CHARLOTTE, MI 48813-1537
Document Number	02781/0661
Book / Page	2781 / 0661
Instrument Date	Apr 22, 2019
Transaction Type	Transfer
Record Updated	Jun 22, 2026
Title Company	ATA NATIONAL TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$829.90
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	112 STODDARD ST, CHARLOTTE, MI 48813

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7196 CONNIE LN, OLIVET, MI 49076-8614

Mortgage

Document Number	0002781663
Date	Apr 24, 2019
Instrument	2781/663

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2049

December 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	EATON MI
Recording Date	Dec 7, 2017
Property Address	112 E STODDARD ST, CHARLOTTE, MI 48813-1537
Document Number	02712/0413
Book / Page	2712 / 0413
Instrument Date	Dec 1, 2017
Instrument	2712-0413
Transaction Type	Transfer
Record Updated	Jun 22, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	112 E STODDARD ST, CHARLOTTE, MI 48813-1537

August 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	EATON MI
Recording Date	Aug 16, 2017
Property Address	112 E STODDARD ST, CHARLOTTE, MI 48813-1537
Document Number	02694/0485
Book / Page	2694 / 0485
Instrument Date	Aug 16, 2017
Transaction Type	Transfer
Record Updated	Jun 22, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	112 E STODDARD ST, CHARLOTTE, MI 48813-1537

October 2013: Deed, Transfer

Document Type	Deed
Jurisdiction	EATON MI
Recording Date	Oct 3, 2013
Property Address	112 E STODDARD ST, CHARLOTTE, MI 48813-1537
Document Number	02488/0615
Book / Page	2488 / 0615
Map Reference	LB1 PG67
Instrument Date	Sep 30, 2013
Transaction Type	Transfer
Record Updated	Jun 22, 2026
Title Company	METRO ADVANTAGE TITLE AGENCY LLC, METRO ADVANTAGE TITLE AGENCY

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7378 BROADWAY, MERRILLVILLE, IN 46410-4717
Investor	Possibly a Property Investor

October 2013: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EATON MI
Recording Date	Oct 3, 2013
Property Address	112 E STODDARD ST, CHARLOTTE, MI 48813-1537
Document Number	02488/0617
Book / Page	2488 / 0617
Map Reference	LB1 PG67
Instrument Date	Sep 30, 2013
Transaction Type	Transfer
Record Updated	Jun 22, 2026
Title Company	METRO ADVANTAGE TITLE

Transaction

Amount	Amount Recorded
Tax	$146.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7378 BROADWAY, MERRILLVILLE, IN 46410-4717

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	112 E STODDARD ST, CHARLOTTE, MI 48813-1537

April 2013: Warranty Deed, Foreclosure

Document Type	Warranty Deed
Jurisdiction	EATON MI
Recording Date	Apr 5, 2013
Property Address	112 E STODDARD ST, CHARLOTTE, MI 48813-1537
Document Number	02454/0588
Book / Page	2454 / 0588
Map Reference	LB1 PG67
Instrument Date	Nov 29, 2012
Transaction Type	Foreclosure
Record Updated	Jun 22, 2026

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1 HOME CAMPUS, DES MOINES, IA 50328-0001

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4400 WILL ROGERS PKWY STE 300, 300, OKLAHOMA CITY, OK 73108-1870
Investor	Possibly a Property Investor

May 2012: Sheriff's Deed, Foreclosure

Document Type	Sheriff's Deed
Jurisdiction	EATON MI
Recording Date	May 18, 2012
Property Address	112 E STODDARD ST, CHARLOTTE, MI 48813-1537
Document Number	02393/0330
Book / Page	2393 / 0330
Map Reference	LB1 PG67
Instrument Date	May 10, 2012
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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3476 STATEVIEW BLVD, FORT MILL, SC 29715-7203
Investor	Possibly a Property Investor

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		$71,900 (+3.75%)	$138,696 (-) Land $22,821 Building $115,875
2025	$4,682.00 (+80.01%)	$69,300 (+19.69%)	$138,696 (+19.77%) Land $22,821 Building $115,875
2024	$2,601.00 (+6.6%)
2023		$57,900	$115,800
2022	$2,440.00

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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