118 E Shepherd St, Charlotte, MI 48813 Property Records

Eaton County property record for 118 E Shepherd St, Charlotte, MI 48813

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,295 sqft · built 1880
Lot Size	0.17 acres (7,405 sqft)
Owner	Individual Name on Record
Last Sale	$140,000 (Sep 2022)
Tax Bill	$2,938 (2025)
Deeds & Mortgages	Sep 2022 Sale & Mortgage May 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20008500002000`

Property Details

APN / Parcel Number

Primary APN	`20008500002000`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,295 sqft Living Area
1st Floor Area	815 sqft
Basement Area	760 sqft
Unfinished Basement	760 sqft

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Exterior Material	Aluminum/Vinyl
Lot Area	7,405 sqft (0.17 acres)
Lot Dimensions	133 ft deep x 55 ft wide
Garage Area	800 sqft
Porch	Covered Porch

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	118 E SHEPHERD ST
City	CHARLOTTE
State	MI
Zip	48813-2256
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	N/A
Legal Description	COM. 28 FT. W OF NE CORNER OF LOT 2, W 55 FT., S 133 FT., E 55 FT., N 133 FT. TO BEG. B. W. WARREN'S ADDITION CITY OF CHARLOTTE
Legal Subdivision	FT TO BEG B W WARRENS ADD
Legal Lot Number	2
Jurisdiction	EATON MI
Township / Civil Division	CHARLOTTE
Census Block Group	1
Census Block	1003
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	Individual Name on Record
Mailing Address	118 E SHEPHERD ST, CHARLOTTE, MI 48813-2256
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 20, 2022	Warranty Deed, Transfer · Conventional Mortgage AMERICAN PORTFOLIO MORTGAGE CORP
May 31, 2018	Warranty Deed, Transfer · Conventional Mortgage UNION HOME MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 20, 2022 · Amount on Record
Deed Sale	Sep 20, 2022 · Amount on Record
Prior Sale	May 31, 2018 · Amount on Record
Deed Book / Page	3021 / 995
Prior Transfer Date	Sep 3, 2014
Prior Transfer Doc	2534/0416
Record Updated	Oct 29, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EATON MI
Recording Date	Sep 20, 2022
Property Address	118 E SHEPHERD ST, CHARLOTTE, MI 48813-2256
Document Number	003021/995
Book / Page	3021 / 995
Instrument Date	Sep 8, 2022
Transaction Type	Transfer
Record Updated	Sep 28, 2022
Title Company	TRANSNATION TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,050.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	118 E SHEPHERD ST, 118, CHARLOTTE, MI 48813-2256

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	118 E SHEPHERD ST, CHARLOTTE, MI 48813-2256
Investor	Possibly a Property Investor

Mortgage

Document Number	0030210997
Date	Sep 20, 2022
Instrument	3021-0997

Lender

Name	AMERICAN PORTFOLIO MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2052

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EATON MI
Recording Date	May 31, 2018
Property Address	118 E SHEPHERD ST, CHARLOTTE, MI 48813-2256
Document Number	02736/0682
Book / Page	2736 / 0682
Map Reference	LB1 PG738
Instrument Date	May 29, 2018
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	ATA NATIONAL TITLE GROUP LLC, ATA NATIONAL TITLE GROUP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$624.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	118 E SHEPHERD ST, 118, CHARLOTTE, MI 48813-2256

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	810 S CLINTON ST, CHARLOTTE, MI 48813-2120

Mortgage

Document Number	0002736683
Date	May 31, 2018
Instrument	2736/683

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2048

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		$61,700 (+1.98%)	$121,057 (-) Land $28,182 Building $92,875
2025	$2,938.00 (+2.91%) Homeowner's exemption	$60,500 (+9.4%)	$121,057 (+9.45%) Land $28,182 Building $92,875
2024	$2,855.00 (+46.94%)
2023		$55,300	$110,600
2022	$1,943.00

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	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 539 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, T-Mobile.

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