121 E Harris St, Charlotte, MI 48813 Property Records

Eaton County property record for 121 E Harris St, Charlotte, MI 48813

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	3,060 sqft
Lot Size	0.08 acres (3,485 sqft)
Owner	Individual Name on File
Last Sale	$130,000 (Sep 2021)
Tax Bill	$4,150 (2025)
Deeds & Mortgages	Sep 2021 Sale & Mortgage Sep 2021 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20000001019000`

Property Details

APN / Parcel Number

Primary APN	`20000001019000`

Interior

Units	4 Units
Stories	1 Story
Building Area	3,060 sqft Total Area

Exterior

Fire Resistance	Masonry Walls, Wood Interior
Lot Area	3,485 sqft (0.08 acres)
Lot Dimensions	70 ft deep x 50 ft wide

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	121 E HARRIS ST
City	CHARLOTTE
State	MI
Zip	48813-1592
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Local Zoning Code	N/A
Legal Description	COM SE COR BLK 10, N 70 FT, W 50 FT, S 70 FEET, E 50 FT TO POB. BEING PART OF LOTS 19 & 20. O. P. BLOCK 10 CITY OF CHARLOTTE
Legal Subdivision	CHARLOTTE
Legal Block	10
Legal Lot Number	19-20
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

121 E Harris St, a commercial property, is owned by an individual who bought it in September 2021.

Source: Eaton County records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	14813 STATE RD, LAKE ODESSA, MI 48849-8409
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 7, 2021	Warranty Deed, Transfer · Commercial Mortgage LAFCU
Sep 7, 2021	Intrafamily Transfer, Transfer ATA NATIONAL TITLE GROUP LLC
May 9, 2018	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 7, 2021 · Amount on File
Deed Sale	Sep 7, 2021 · Amount on File
Prior Sale	Apr 5, 2012 · Amount on File
Deed Book / Page	2953 / 600
Prior Transfer Date	Aug 23, 2021
Prior Transfer Doc	002953/599
Record Updated	Oct 29, 2026

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EATON MI
Recording Date	Sep 7, 2021
Property Address	121 E HARRIS ST, CHARLOTTE, MI 48813-1592
Document Number	002953/600
Book / Page	2953 / 600
Map Reference	LB 1 PG 67
Instrument Date	Sep 2, 2021
Transaction Type	Transfer
Record Updated	Jul 3, 2023
Title Company	ATA NATIONAL TITLE GROUP LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,118.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	121 E HARRIS ST, CHARLOTTE, MI 48813-1592

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14813 STATE RD, LAKE ODESSA, MI 48849-8409

Mortgage

Document Number	0002953602
Date	Sep 7, 2021
Instrument	2953/602

Lender

Name	LAFCU
Type	Credit Union

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

September 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	EATON MI
Recording Date	Sep 7, 2021
Property Address	121 E HARRIS ST, CHARLOTTE, MI 48813-1592
Document Number	002953/599
Book / Page	2953 / 599
Map Reference	LB 1 PG 67
Instrument Date	Aug 23, 2021
Transaction Type	Transfer
Record Updated	Jul 3, 2023
Title Company	ATA NATIONAL TITLE GROUP LLC

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	121 E HARRIS ST, CHARLOTTE, MI 48813-1592

May 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	EATON MI
Recording Date	May 9, 2018
Property Address	121 E HARRIS ST, CHARLOTTE, MI 48813-1592
Document Number	02732/0959
Book / Page	2732 / 0959
Instrument Date	May 9, 2018
Transaction Type	Transfer
Record Updated	Jul 3, 2023

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	121 E HARRIS ST, CHARLOTTE, MI 48813-1592

Tax Assessment & Valuation

The 2025 property tax bill for 121 E Harris St was $4,150, up 3% from the year before.

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		$76,500 (+5.96%)	$144,429 (-) Land $26,002 Building $118,427
2025	$4,150.00 (+2.95%)	$72,200	$144,429 Land $26,002 Building $118,427
2024	$4,031.00
2023		$56,700	$113,400
2022	$4,917.00

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

FEMA maps place 121 E Harris St in Zone X, an area of minimal flood risk.

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

The area around 121 E Harris St has no burnable land within ember reach, so its wildfire risk is not rated.

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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