2095 N Ainger Rd, Charlotte, MI 48813 Property Records

Eaton County property record for 2095 N Ainger Rd, Charlotte, MI 48813

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,836 sqft
Lot Size	21 acres (914,760 sqft)
Owner	2 Individual Names on File
Last Sale	$220,000 (Sep 2022)
Tax Bill	$3,195 (2025)
Deeds & Mortgages	Sep 2022 Sale & Mortgage Aug 2021 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`060 031 400 071 01`

Property Details

APN / Parcel Number

Primary APN	`060 031 400 071 01`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,836 sqft Living Area
1st Floor Area	1,836 sqft
Basement Area	1,836 sqft
Unfinished Basement	1,836 sqft

Exterior

Architectural Style	Mobile/Manufactured
Lot Area	914,760 sqft (21 acres)
Garage Area	576 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2095 N AINGER RD
City	CHARLOTTE
State	MI
Zip	48813-7827
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LA
Legal Description	S 21 ACRES OF N 65 ACRES OF E 1/2 OF SE 1/4 SEC. 31, T3N, R5W, CHESTER TWP. (APPROVED) D 8-05-21 COMBINED FROM 060-031-400-071-00, 060-031-400-090-00;
Legal Range	05W
Legal Township	03N
Legal Section	31
Jurisdiction	EATON MI
Township / Civil Division	CHESTER
Census Block Group	1
Census Block	1087
Census Tract	20602

Owner

2095 N Ainger Rd is owned and occupied by two individuals who bought it in September 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	2095 N AINGER RD, CHARLOTTE, MI 48813-7827
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
Sep 1, 2022	Warranty Deed, Transfer · Conventional Mortgage THUMB BANK & TRUST
Aug 5, 2021	Quit Claim Deed, Transfer Quitclaim
May 20, 2021	Warranty Deed, Transfer ATA NATIONAL TITLE GROUP LLC
Jul 21, 2017	Warranty Deed, Transfer · Line of Credit THUMB NATIONAL BANK & TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 1, 2022 · Amount on File
Deed Sale	Sep 1, 2022 · Amount on File
Deed Book / Page	3019 / 221
Prior Transfer Date	Aug 11, 2022
Prior Transfer Doc	3019000221
Record Updated	Oct 29, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EATON MI
Recording Date	Sep 1, 2022
Property Address	2095 N AINGER RD, CHARLOTTE, MI 48813-7827
Document Number	003019/221
Book / Page	3019 / 221
Instrument Date	Aug 11, 2022
Transaction Type	Transfer
Record Updated	Jul 3, 2023
Title Company	ATA NATIONAL TITLE GROUP LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,650.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5408 W KINSEL HWY, CHARLOTTE, MI 48813-8872

Mortgage

Document Number	0030190224
Date	Sep 1, 2022
Instrument	3019-0224

Lender

Name	THUMB BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	72 Months
Due	Sep 1, 2028

August 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	EATON MI
Recording Date	Aug 5, 2021
Property Address	2095 N AINGER RD, CHARLOTTE, MI 48813-7827
Document Number	002946/556
Book / Page	2946 / 556
Instrument Date	Aug 5, 2021
Transaction Type	Transfer
Record Updated	Jul 3, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Living Trust
Address	2095 N AINGER RD, CHARLOTTE, MI 48813-7827

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EATON MI
Recording Date	May 20, 2021
Property Address	2095 N AINGER RD, CHARLOTTE, MI 48813-7827
Document Number	002928/504
Book / Page	2928 / 504
Instrument Date	May 20, 2021
Transaction Type	Transfer
Record Updated	Jul 3, 2023
Title Company	ATA NATIONAL TITLE GROUP LLC

Transaction

Amount	Amount on Record
Tax	$240.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11241 BUNKER HWY, EATON RAPIDS, MI 48827-8243

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2095 N AINGER RD, CHARLOTTE, MI 48813-7827

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EATON MI
Recording Date	Jul 21, 2017
Property Address	2095 N AINGER RD, CHARLOTTE, MI 48813-7827
Document Number	02690/0513
Book / Page	2690 / 0513
Instrument Date	Jul 18, 2017
Transaction Type	Transfer
Record Updated	Jul 3, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,023.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2095 N AINGER RD, CHARLOTTE, MI 48813-7827

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5584 W KINSEL HWY, CHARLOTTE, MI 48813-8872

Mortgage

Document Number	0026900515
Date	Jul 21, 2017
Instrument	2690/0515

Lender

Name	THUMB NATIONAL BANK & TRUST CO
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 2095 N Ainger Rd was $3,195 with a homeowner's exemption, up 5.9% from the year before.

Source: Eaton County assessment roll, as of August 17, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Eaton County
County Subdivision	Chester Township
Unified School District	Maple Valley Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$130,400 (+5.16%)	$260,800 (+5.16%)
2025	$3,195.00 (+5.94%) Homeowner's exemption	$124,000	$248,000
2024	$3,016.00
2023		$104,200	$208,400
2022	$2,384.00

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 2095 N Ainger Rd 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 2095 N Ainger Rd is low, with 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 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Mercury Fiber Fixed Wireless	150 / 20
Verizon Fixed Wireless	25 / 6
AT&T DSL	10 / 1

Cell Coverage

5G and 4G LTE (outdoors only)

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