120 E Henry St, Charlotte, MI 48813 Property Records

Eaton County property record for 120 E Henry St, Charlotte, MI 48813

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,726 sqft · built 1886
Lot Size	0.18 acres (7,841 sqft)
Owner	Individual Name on Record
Last Sale	$100,000 (Sep 2019)
Tax Bill	$2,439 (2025)
Deeds & Mortgages	Sep 2019 Sale & Mortgage May 2018 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20006160504000`

Property Details

APN / Parcel Number

Primary APN	`20006160504000`

Interior

Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,726 sqft Living Area
1st Floor Area	1,240 sqft
Basement Area	486 sqft
Unfinished Basement	486 sqft

Exterior

Year Built	Built 1886
Effective Year Built	Effective 1957
Exterior Material	Aluminum/Vinyl
Lot Area	7,841 sqft (0.18 acres)
Lot Dimensions	157 ft deep x 49.5 ft wide
Garage Area	280 sqft
Porch	Porch
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	120 E HENRY ST
City	CHARLOTTE
State	MI
Zip	48813-1902
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	N/A
Legal Description	W 49 1/2 FEET OF E 215 FEET OF LOT 5. LAWRENCE'S ADDITION OF OUT LOTS CITY OF CHARLOTTE
Legal Subdivision	LAWRENCES ADD
Legal Lot Number	5
Jurisdiction	EATON MI
Township / Civil Division	CHARLOTTE
Census Block Group	4
Census Block	4005
Census Tract	20902

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	120 E HENRY ST, CHARLOTTE, MI 48813-1902
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 6, 2019	Warranty Deed, Transfer · Conventional Mortgage STOCKTON MORTGAGE CORP
May 29, 2018	Land Contract, Transfer
Jul 19, 2017	Warranty Deed, Transfer MIDSTATE TITLE AGENCY LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 6, 2019 · Amount on Record
Deed Sale	Sep 6, 2019 · Amount on Record
Prior Sale	May 29, 2018 · Amount on Record
Deed Book / Page	2801 / 1068
Prior Transfer Date	Aug 29, 2019
Prior Transfer Doc	02801/1068
Record Updated	Oct 29, 2026

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EATON MI
Recording Date	Sep 6, 2019
Property Address	120 E HENRY ST, CHARLOTTE, MI 48813-1902
Document Number	02801/1068
Book / Page	2801 / 1068
Instrument Date	Aug 29, 2019
Transaction Type	Transfer
Record Updated	May 1, 2023
Title Company	ATA NATIONAL TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$110.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9644 MARSHALL RD, OLIVET, MI 49076-9708

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 E HENRY ST, CHARLOTTE, MI 48813-1902

Mortgage

Document Number	0028011070
Date	Sep 6, 2019
Instrument	2801/1070

Lender

Name	STOCKTON MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

May 2018: Land Contract, Transfer

Document Type	Land Contract
Jurisdiction	EATON MI
Recording Date	May 29, 2018
Property Address	120 E HENRY ST, CHARLOTTE, MI 48813-1902
Document Number	02736/0106
Book / Page	2736 / 0106
Instrument Date	May 29, 2018
Transaction Type	Transfer
Record Updated	May 1, 2023

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9644 MARSHALL RD, OLIVET, MI 49076-9708

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 E HENRY ST, CHARLOTTE, MI 48813-1902

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EATON MI
Recording Date	Jul 19, 2017
Property Address	120 E HENRY ST, CHARLOTTE, MI 48813-1902
Document Number	02689/1105
Book / Page	2689 / 1105
Instrument Date	Jul 12, 2017
Transaction Type	Transfer
Record Updated	May 1, 2023
Title Company	MIDSTATE TITLE AGENCY LLC

Transaction

Amount	Amount Recorded
Tax	$348.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	120 E HENRY ST, CHARLOTTE, MI 48813-1902

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9644 MARSHALL RD, OLIVET, MI 49076-9708

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		$105,100 (+5.31%)	$199,590 (-) Land $33,255 Building $166,335
2025	$2,439.00 (+2.91%) Homeowner's exemption	$99,800 (+15.51%)	$199,590 (+15.5%) Land $33,255 Building $166,335
2024	$2,370.00 (+11.74%)
2023		$86,400	$172,800
2022	$2,121.00

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

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 97% of the US · lower than 93% of Michigan
Wildfire Likelihood	Under 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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