306 E Henry St, Charlotte, MI 48813 Property Records

Eaton County property record for 306 E Henry St, Charlotte, MI 48813

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,215 sqft · built 1900
Lot Size	0.41 acres (17,860 sqft)
Owner	2 Individual Names on Record
Last Sale	$119,900 (Aug 2023)
Tax Bill	$3,102 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Aug 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`20006161803000`

Property Details

APN / Parcel Number

Primary APN	`20006161803000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	2,215 sqft Living Area
1st Floor Area	1,483 sqft
Basement Area	976 sqft
Unfinished Basement	976 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Lot Area	17,860 sqft (0.41 acres)
Lot Dimensions	198 ft deep x 90 ft wide
Porch	Porch
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	306 E HENRY ST
City	CHARLOTTE
State	MI
Zip	48813-1657
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	N/A
Legal Description	COM. ON S LINE OF HENRY ST., 8 RODS W OF NE CORNER OF LOT 19, W 90 FEET, S 12 RODS, E 90 FT., N 12 RODS TO BEG., BEING PART
Legal Subdivision	LAW ADD
Legal Lot Number	18-19
Jurisdiction	EATON MI
Township / Civil Division	CHARLOTTE
Census Block Group	4
Census Block	4004
Census Tract	20902

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Charlotte Central Historic District listed 2020 · 308 contributing resources · NRIS 100002684

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

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	2 Individual Names on Record
Mailing Address	306 E HENRY ST, CHARLOTTE, MI 48813-1657
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 9, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Aug 23, 2023	Deed, Transfer · Conventional Mortgage CHURCHILL MORTGAGE CORP
Jun 21, 2022	Sheriff's Deed, Foreclosure
Jul 5, 2018	Warranty Deed, Transfer · Conventional Mortgage BAY EQUITY LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 23, 2023 · Amount on Record
Deed Sale	Aug 23, 2023 · Amount on Record
Prior Sale	Jun 21, 2022 · Amount on Record
Deed Book / Page	3061 / 1213
Prior Transfer Date	May 26, 2022
Prior Transfer Doc	003008/293
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EATON MI
Property Address	306 E HENRY ST, CHARLOTTE, MI 48813-1657
Transaction Type	Mortgage
Record Updated	Jun 22, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	306 E HENRY ST, CHARLOTTE, MI 48813-1657

Mortgage

Document Number	003180/811
Date	Mar 9, 2026
Book Page	3180/811

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Apr 1, 2046

August 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	EATON MI
Recording Date	Aug 23, 2023
Property Address	306 E HENRY ST, CHARLOTTE, MI 48813-1657
Document Number	03061/1213
Book / Page	3061 / 1213
Map Reference	LB 1 PG 45
Instrument Date	Jul 27, 2023
Transaction Type	Transfer
Record Updated	Sep 11, 2023
Title Company	TITLE CLEARING AND ESCROW, TITLE CLEARING & ESCROW LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$900.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	425 S FINANCIAL PL # 2000, 2000, CHICAGO, IL 60605-1000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	306 E HENRY ST, CHARLOTTE, MI 48813-1657

Mortgage

Document Number	0030611216
Date	Aug 23, 2023
Instrument	3061-1216

Lender

Name	CHURCHILL MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

June 2022: Sheriff's Deed, Foreclosure

Document Type	Sheriff's Deed
Jurisdiction	EATON MI
Recording Date	Jun 21, 2022
Property Address	306 E HENRY ST, CHARLOTTE, MI 48813-1657
Document Number	003008/293
Book / Page	3008 / 293
Map Reference	LB 01 PG 45
Instrument Date	Jun 2, 2022
Transaction Type	Foreclosure
Record Updated	Jun 29, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5151 CORPORATE DR, TROY, MI 48098-2639
Investor	Possibly a Property Investor

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EATON MI
Recording Date	Jul 5, 2018
Property Address	306 E HENRY ST, CHARLOTTE, MI 48813-1657
Document Number	02742/0346
Book / Page	2742 / 0346
Instrument Date	Jun 29, 2018
Transaction Type	Transfer
Record Updated	May 3, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,152.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	306 E HENRY ST, 306, CHARLOTTE, MI 48813-1657

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1313 N CREYTS RD, LANSING, MI 48917-8622
Investor	Possibly a Property Investor

Mortgage

Document Number	0002742348
Date	Jul 5, 2018
Instrument	2742/348

Lender

Name	BAY EQUITY LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2048

Tax Assessment & Valuation

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		$67,900 (+20.82%)	$129,381 (+15.11%) Land $38,782 Building $90,599
2025	$3,102.00 (-6.4%)
2023		$56,200	$112,400
2022	$3,314.00

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

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

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

Wildfire Risk	Low lower than 97% of the US · lower than 93% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 539 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, AT&T, T-Mobile.

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