Charlevoix County property record for 12813 Clover Ln, Charlevoix, MI 49720
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,990 sqft · built 2000 |
| Lot Size | 1.7 acres (74,052 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $24,500 (Nov 1999) |
| Tax Bill | $2,817 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 009-110-009-00 |
| Primary APN | 009-110-009-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 1,990 sqft Building Perimeter |
| 1st Floor Area | 1,984 sqft |
| Basement Area | 1,984 sqft |
| Unfinished Basement | 1,984 sqft |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Lot Area | 74,052 sqft (1.7 acres) |
| Garage Area | 846 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 12813 CLOVER LN |
|---|---|
| City | CHARLEVOIX |
| State | MI |
| Zip | 49720-8955 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | CLOVER HILL FARMS UNIT 9 AS RECD L362 P784-830 CHX CO R/D 6.25 |
| Legal Range | 08 |
| Legal Township | 33 |
| Legal Section | 12 |
| Legal Subdivision | CLOVER HILL FARMS |
| Legal Unit | 9 |
| Jurisdiction | CHARLEVOIX MI |
| Township / Civil Division | MARION |
| Census Block Group | 2 |
| Census Block | 2024 |
| Census Tract | 800 |
Source: Charlevoix County records, as of June 18, 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 | 12813 CLOVER LN, CHARLEVOIX, MI 49720-8955 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 24, 1999 · Amount on Record |
| Deed Sale | Nov 24, 1999 · Amount on Record |
| Record Updated | Sep 20, 2026 |
Source: Charlevoix County assessment roll, as of June 18, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Charlevoix County |
| County Subdivision | Marion Township |
| Unified School District | Charlevoix Public Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $212,500 (+7.87%) | $425,000 (+7.87%) | |
| 2025 | $2,817.00 (+1.26%) Homeowner's exemption | $197,000 (+32.3%) | $394,000 (+32.3%) |
| 2024 | $2,782.00 (+6.75%) | ||
| 2023 | $148,900 | $297,800 | |
| 2022 | $2,606.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective September 15, 2022
| 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.
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.
Source: FCC Broadband Data Collection, based on 28 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Truestream Fiber | 1,000 / 1,000 |
| Spectrum Cable | 1,000 / 50 |
| Starlink Satellite | 280 / 30 |
5G (outdoors only) and 4G LTE
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