116 E 1st St, Charlotte, MI 48813 Property Records

Eaton County property record for 116 E 1st St, Charlotte, MI 48813

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,092 sqft · built 1850
Lot Size	0.16 acres (6,970 sqft)
Owner	2 Individual Names on Record
Last Sale	$180,000 (May 2026)
Tax Bill	$2,587 (2025)
Deeds & Mortgages	May 2026 Sale & Mortgage Jan 2024 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`20008500007000`

Property Details

APN / Parcel Number

Primary APN	`20008500007000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,092 sqft Living Area
1st Floor Area	732 sqft
Basement Area	732 sqft
Unfinished Basement	732 sqft

Exterior

Year Built	Built 1850
Effective Year Built	Effective 1850
Exterior Material	Aluminum/Vinyl
Lot Area	6,970 sqft (0.16 acres)
Lot Dimensions	99 ft deep x 70 ft wide
Porch	Porch

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	116 E 1ST ST
City	CHARLOTTE
State	MI
Zip	48813-2238
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	N/A
Legal Description	E 70 FEET OF LOT 7. B. W. WARREN'S ADDITION CITY OF CHARLOTTE
Legal Subdivision	B W WARRENS ADD
Legal Lot Number	7
Jurisdiction	EATON MI
Township / Civil Division	CHARLOTTE
Census Block Group	1
Census Block	1002
Census Tract	20902

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	116 E 1ST ST, CHARLOTTE, MI 48813-2238
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
May 26, 2026	Warranty Deed, Transfer · FHA Mortgage NATIONAL HOME MORTGAGE CORPORATION
Jan 29, 2024	Intrafamily Transfer, Transfer
Dec 29, 2022	Warranty Deed, Transfer · Conventional Mortgage UNION HOME MORTGAGE CORP
Dec 29, 2022	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 26, 2026 · Amount on Record
Deed Sale	May 26, 2026 · Amount on Record
Prior Sale	Dec 29, 2022 · Amount on Record
Deed Book / Page	3192 / 1028
Prior Transfer Date	Jan 24, 2024
Prior Transfer Doc	0003080/57
Record Updated	Oct 29, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EATON MI
Recording Date	May 26, 2026
Property Address	116 E 1ST ST, CHARLOTTE, MI 48813-2238
Document Number	3192001028
Book / Page	3192 / 1028
Instrument Date	May 22, 2026
Transaction Type	Transfer
Record Updated	Jun 5, 2026
Title Company	GREAT BASIN TITLE, GREATER LANSING TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$156,348.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	116 E 1ST ST, CHARLOTTE, MI 48813-2238

Mortgage

Document Number	3192001207,
Date	May 26, 2026
Book Page	3192/1207

Lender

Name	NATIONAL HOME MORTGAGE CORPORATION

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	6.37%
Max Rate	-1%

January 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	EATON MI
Recording Date	Jan 29, 2024
Property Address	116 E 1ST ST, CHARLOTTE, MI 48813-2238
Document Number	0003080/57
Book / Page	3080 / 57
Map Reference	LB 1 PG 73B
Instrument Date	Jan 24, 2024
Transaction Type	Transfer
Record Updated	Feb 8, 2024

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	116 E 1ST ST, CHARLOTTE, MI 48813-2238

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EATON MI
Recording Date	Dec 29, 2022
Property Address	116 E 1ST ST, CHARLOTTE, MI 48813-2238
Document Number	003034/429
Book / Page	3034 / 429
Map Reference	LB 1 PG 73B
Instrument Date	Dec 22, 2022
Transaction Type	Transfer
Record Updated	Jan 13, 2023
Title Company	DIVERSIFIED NATIONAL TITLE AGENCY, DIVERSIFIED NATL TTL AGCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,053.75
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	116 E 1ST ST, CHARLOTTE, MI 48813-2238

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2124 COLLEGE RD, HOLT, MI 48842-9796

Mortgage

Document Number	0030340431
Date	Dec 29, 2022
Instrument	3034-0431

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2053

December 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	EATON MI
Recording Date	Dec 29, 2022
Property Address	116 E 1ST ST, CHARLOTTE, MI 48813-2238
Document Number	003034/441
Book / Page	3034 / 441
Map Reference	LB 1 PG 73B
Instrument Date	Dec 22, 2022
Transaction Type	Transfer
Record Updated	Jan 13, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2124 COLLEGE RD, HOLT, MI 48842-9796

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		$56,600 (+3.1%)	$109,822 (-) Land $28,721 Building $81,101
2025	$2,587.00 (+2.9%) Homeowner's exemption	$54,900 (+12.73%)	$109,822 (+12.75%) Land $28,721 Building $81,101
2024	$2,514.00 (+41.79%)
2023		$48,700	$97,400
2022	$1,773.00

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	Low lower than 80% of the US · above 51% of Michigan
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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 84 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
Mercury Fiber Fixed Wireless	150 / 20

May also be available: ACD.net, T-Mobile.

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