Eaton County property record for 2136 Pray Rd, Charlotte, MI 48813
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,550 sqft · built 1972 |
| Lot Size | 8.9 acres (387,684 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $3,536 (2025) |
| Deeds & Mortgages | Mar 2022 Line of Credit Aug 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 08003140006000 |
| Primary APN | 08003140006000 |
|---|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,550 sqft Living Area |
| 1st Floor Area | 1,550 sqft |
| Basement Area | 1,550 sqft |
| Unfinished Basement | 1,550 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1972 |
| Lot Area | 387,684 sqft (8.9 acres) |
| Garage Area | 868 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 2136 PRAY RD |
|---|---|
| City | CHARLOTTE |
| State | MI |
| Zip | 48813-9347 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A-1 |
| Legal Description | S 10 ACRES OF N 3/4 OF W 1/2 OF SE 1/4 EXCEPT 150 FEET N & S BY 291 FEET E & W IN SW CORNER. SEC. 31, T3N,R3W, WINDSOR TOWNSHIP |
| Legal Range | 03W |
| Legal Township | 03N |
| Legal Section | 31 |
| Jurisdiction | EATON MI |
| Township / Civil Division | WINDSOR |
| Census Block Group | 1 |
| Census Block | 1031 |
| Census Tract | 21402 |
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 | PO BOX 196, HOLT, MI 48842-0196 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 22, 2022 | Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA |
| Aug 1, 2017 | Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK WESTERN MICHIGAN |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EATON MI |
| Property Address | 2136 PRAY RD, CHARLOTTE, MI 48813-9347 |
| Transaction Type | Mortgage |
| Record Updated | Apr 11, 2022 |
| Name | Verified Name |
|---|---|
| Address | 2136 PRAY RD, CHARLOTTE, MI 48813-9347 |
| Document Number | 02992/1138 |
|---|---|
| Date | Mar 22, 2022 |
| Book Page | 2992/1138 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Address | GRAND RAPIDS, MI 49546 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 118 Months |
| Due | Jan 1, 2032 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EATON MI |
| Property Address | 2136 PRAY RD, CHARLOTTE, MI 48813-9347 |
| Transaction Type | Mortgage |
| Record Updated | Aug 22, 2017 |
| Name | Verified Name |
|---|
| Document Number | , 0026920081 |
|---|---|
| Date | Aug 1, 2017 |
| Book Page | 2692/0081 |
| Name | FIFTH THIRD BANK WESTERN MICHIGAN |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Eaton County assessment roll, as of August 17, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Eaton County |
| County Subdivision | Windsor Charter Township |
| Unified School District | Charlotte Public Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $168,600 (+21.82%) | $330,537 (+19.41%) Land $135,226 Building $195,311 | |
| 2025 | $3,536.00 (+18.74%) | ||
| 2023 | $138,400 | $276,800 | |
| 2022 | $2,978.00 |
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 November 26, 2010 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; 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 11 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| WOW Internet, Cable & Phone Cable | 1,200 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
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