Eaton County property record for 2908 Otto Rd, Charlotte, MI 48813
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,103 sqft |
| Lot Size | 9.2 acres (400,752 sqft) |
| Owner | Company Name on Record |
| Last Sale | $170,000 (Jun 2021) |
| Tax Bill | $4,831 (2025) |
| Deeds & Mortgages | Feb 2009 Mortgage Jan 2005 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07003310000100 |
| Primary APN | 07003310000100 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 2,103 sqft Living Area |
| 1st Floor Area | 1,228 sqft |
| Basement Area | 1,162 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Lot Area | 400,752 sqft (9.2 acres) |
|---|---|
| Garage Area | 1,334 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 2908 OTTO RD |
|---|---|
| City | CHARLOTTE |
| State | MI |
| Zip | 48813-9791 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | LA |
| Legal Description | COM. AT NW CORNER OF SEC. 33, E 644 FT, S 578 FT, W 469 FT, S 162 FT, W 175 FT, N 740 FT TO BEG; SUBJECT TO R/W OVER S 100 FT OF N 678 FT. SEC. 33, T3N, R4W, BENTON TOWNSHIP |
| Legal Range | 04W |
| Legal Township | 03N |
| Legal Section | 33 |
| Jurisdiction | EATON MI |
| Township / Civil Division | BENTON |
| Census Block Group | 1 |
| Census Block | 1035 |
| Census Tract | 20601 |
Source: Eaton County records, as of August 17, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 439 CLEMENT RD, LANSING, MI 48917-3604 |
| Owner Type | Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Feb 26, 2009 | Deed of Trust, Mortgage LAFCU |
| Jan 18, 2005 | Deed of Trust, Mortgage LAFCU |
| Oct 27, 2016 | Deed of Trust, Mortgage · Line of Credit LAFCU |
| Jun 23, 2021 | Warranty Deed, Transfer ATA NATIONAL TITLE GROUP LLC |
| Jun 8, 2015 | Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY |
| Jun 8, 2015 | Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 23, 2021 · Amount on Record |
| Deed Sale | Jun 23, 2021 · Amount on Record |
| Deed Book / Page | 2936 / 74 |
| Prior Transfer Date | May 28, 2015 |
| Prior Transfer Doc | 02572/1097 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EATON MI |
| Property Address | 2908 OTTO RD, CHARLOTTE, MI 48813-9791 |
| Transaction Type | Mortgage |
| Record Updated | Jun 22, 2026 |
| Name | Verified Name |
|---|
| Document Number | 02216/0579 |
|---|---|
| Date | Feb 26, 2009 |
| Book Page | 2216/0579 |
| Name | LAFCU |
|---|---|
| Type | Credit Union |
| Address | LANSING, MI 48917 |
| Amount | Amount Recorded |
|---|---|
| Term | 121 Months |
| Due | Mar 10, 2019 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EATON MI |
| Property Address | 2908 OTTO RD, CHARLOTTE, MI 48813-9791 |
| Transaction Type | Mortgage |
| Record Updated | Jun 22, 2026 |
| Name | Verified Name |
|---|
| Document Number | 01898/0017 |
|---|---|
| Date | Jan 18, 2005 |
| Book Page | 1898/0017 |
| Name | LAFCU |
|---|---|
| Type | Credit Union |
| Address | LANSING, MI 48917 |
| Amount | Amount Recorded |
|---|---|
| Term | 120 Months |
| Due | Jan 10, 2015 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EATON MI |
| Property Address | 2908 OTTO RD, CHARLOTTE, MI 48813-9791 |
| Transaction Type | Mortgage |
| Record Updated | Jun 22, 2026 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Name | Verified Name |
|---|
| Document Number | 02649/0052 |
|---|---|
| Date | Oct 27, 2016 |
| Book Page | 2649/0052 |
| Name | LAFCU |
|---|---|
| Type | Credit Union |
| Address | LANSING, MI 48917 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Oct 17, 2031 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | EATON MI |
| Recording Date | Jun 23, 2021 |
| Property Address | 2908 OTTO RD, CHARLOTTE, MI 48813-9791 |
| Document Number | 0002936/74 |
| Book / Page | 2936 / 74 |
| Instrument Date | Jun 18, 2021 |
| Transaction Type | Transfer |
| Record Updated | Jun 22, 2026 |
| Title Company | ATA NATIONAL TITLE GROUP LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,462.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2908 OTTO RD, CHARLOTTE, MI 48813-9791 |
| Name | Verified Name |
|---|---|
| Address | 439 CLEMENT RD, LANSING, MI 48917-3604 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | EATON MI |
| Recording Date | Jun 8, 2015 |
| Property Address | 2908 OTTO RD, CHARLOTTE, MI 48813-9791 |
| Document Number | 02572/1100 |
| Book / Page | 2572 / 1100 |
| Instrument Date | Jun 2, 2015 |
| Transaction Type | Transfer |
| Record Updated | Jun 22, 2026 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 2908 OTTO RD, CHARLOTTE, MI 48813-9791 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | EATON MI |
| Recording Date | Jun 8, 2015 |
| Property Address | 2908 OTTO RD, CHARLOTTE, MI 48813-9791 |
| Document Number | 02572/1097 |
| Book / Page | 2572 / 1097 |
| Instrument Date | May 28, 2015 |
| Transaction Type | Transfer |
| Record Updated | Jun 22, 2026 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 304 E GIBBS ST, SAINT JOHNS, MI 48879-1316 |
| Name | Verified Name |
|---|---|
| Address | 2908 OTTO RD, CHARLOTTE, MI 48813-9791 |
Source: Eaton County assessment roll, as of August 17, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Eaton County |
| County Subdivision | Benton Township |
| Unified School District | Charlotte Public Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $124,800 (+12.84%) | $221,266 (-) Land $57,142 Building $164,124 | |
| 2025 | $4,831.00 (+5%) | $110,600 (+19.18%) | $221,266 (+19.22%) Land $57,142 Building $164,124 |
| 2024 | $4,601.00 (+12.94%) | ||
| 2023 | $92,800 | $185,600 | |
| 2022 | $4,074.00 |
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 Claims | 1 (1982) |
| Most Recent Claim | Mar 1982 · tidal / storm surge |
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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 32 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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