208 Emerald Dr, Charlotte, MI 48813 Property Records

Eaton County property record for 208 Emerald Dr, Charlotte, MI 48813

Property Summary

Property Type	Condominium
Details	2 bd · 2 ba · 1,135 sqft · built 1996
Lot Size	0.052 acres (2,304 sqft)
Owner	Individual Name on File
Last Sale	$187,000 (Oct 2021)
Tax Bill	$4,530 (2025)
Deeds & Mortgages	Feb 2022 Transfer Oct 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20004700000500`

Property Details

APN / Parcel Number

Primary APN	`20004700000500`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	1,135 sqft Living Area
1st Floor Area	1,135 sqft
Basement Area	1,135 sqft
Unfinished Basement	1,135 sqft

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Condo/Apartment
Exterior Material	Aluminum/Vinyl
Lot Area	2,304 sqft
Garage Area	440 sqft
Porch	Covered Porch
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	208 EMERALD DR
City	CHARLOTTE
State	MI
Zip	48813-9015
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	N/A
Legal Description	UNIT 5. EMERALD ISLE CONDO, SEC. 24, T2N,R5W, CITY OF CHARLOTTE. 1996
Legal Range	05W
Legal Township	02N
Legal Section	24
Legal Subdivision	EMERALD ISLE CONDO
Legal Unit	5
Jurisdiction	EATON MI
Township / Civil Division	CHARLOTTE
Census Block Group	1
Census Block	1033
Census Tract	20902

Owner

208 Emerald Dr, a condominium, is owned and occupied by an individual who acquired it in January 2022.

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

Owner of Record	Individual Name on File
Mailing Address	208 EMERALD DR, CHARLOTTE, MI 48813-9015
Occupancy	Owner Occupied
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
Feb 7, 2022	Intrafamily Transfer, Transfer
Oct 19, 2021	Warranty Deed, Transfer · Conventional Mortgage MICHIGAN STATE UNIVERSITY FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 19, 2021 · Amount on File
Deed Sale	Oct 19, 2021 · Amount on File
Deed Book / Page	2962 / 700
Last Transfer Date	Jan 31, 2022
Transfer Doc	002985/850
Record Updated	Oct 29, 2026

February 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	EATON MI
Recording Date	Feb 7, 2022
Property Address	208 EMERALD DR, CHARLOTTE, MI 48813-9015
Document Number	002985/850
Book / Page	2985 / 850
Map Reference	LB 1058 PG 864
Instrument Date	Jan 31, 2022
Transaction Type	Transfer
Record Updated	Feb 16, 2022

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	208 EMERALD DR # 5, 5, CHARLOTTE, MI 48813-9015

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EATON MI
Recording Date	Oct 19, 2021
Property Address	208 EMERALD DR, CHARLOTTE, MI 48813-9015
Document Number	002962/700
Book / Page	2962 / 700
Map Reference	LB 1058 PG 864
Instrument Date	Oct 5, 2021
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	TRANSNATION TITLE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,608.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2358 PACKARD HWY, 2358, CHARLOTTE, MI 48813-8718

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2803 N COCHRAN RD, CHARLOTTE, MI 48813-9703

Mortgage

Document Number	0002962703
Date	Oct 19, 2021
Instrument	2962/703

Lender

Name	MICHIGAN STATE UNIVERSITY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Nov 1, 2036

Tax Assessment & Valuation

The 2025 property tax bill for 208 Emerald Dr was $4,530 with a homeowner's exemption, up 2.9% 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		$107,300 (+8.17%)	$198,327 (-) Land $38,399 Building $159,928
2025	$4,530.00 (+2.91%) Homeowner's exemption	$99,200	$198,327 Land $38,399 Building $159,928
2024	$4,402.00
2023		$86,500	$173,000
2022	$3,934.00

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 208 Emerald Dr 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

Wildfire risk around 208 Emerald Dr is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 95% of the US · lower than 89% of Michigan
Wildfire Likelihood	Under 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 62 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.

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