Charlevoix County property record for 309 Prospect St, Charlevoix, MI 49720
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 990 sqft · built 1930 |
| Lot Size | 0.418 acres (18,208 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $3,738 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 052-140-079-00 |
| Primary APN | 052-140-079-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 990 sqft Living Area |
| 1st Floor Area | 660 sqft |
| Basement Area | 660 sqft |
| Unfinished Basement | 660 sqft |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1930 |
| Architectural Style | Modular |
| Exterior Material | Wood Siding |
| Lot Area | 18,208 sqft (0.418 acres) |
| Garage Area | 672 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 309 PROSPECT ST |
|---|---|
| City | CHARLEVOIX |
| State | MI |
| Zip | 49720-1018 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | LOT 79 OF CROUTERS ADDITION. ALSO ELY & SLY 8 FT OF ALLEY ABUTTING SD LOT VACATED L198 P444 |
| Legal Range | 08 |
| Legal Township | 34 |
| Legal Section | 23 |
| Legal Subdivision | CROUTERS ADDITION |
| Legal Lot Number | 79 |
| Jurisdiction | CHARLEVOIX MI |
| Township / Civil Division | CHARLEVOIX |
| Census Block Group | 3 |
| Census Block | 3015 |
| Census Tract | 1500 |
Source: Charlevoix County records, as of June 18, 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 | 37 SHARILYN DR, SHALIMAR, FL 32579-1035 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
Source: Charlevoix County assessment roll, as of June 18, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Charlevoix County |
| Municipality | Charlevoix City |
| Unified School District | Charlevoix Public Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $173,900 (+4.76%) | $347,800 (+4.76%) | |
| 2025 | $3,738.00 (+1.16%) Homeowner's exemption | $166,000 (+44.73%) | $332,000 (+44.73%) |
| 2024 | $3,695.00 (+6.06%) | ||
| 2023 | $114,700 | $229,400 | |
| 2022 | $3,484.00 |
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 September 15, 2022 · 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 | 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: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CHARLEVOIX serves 3,124 people · EPA ID MI0001330 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | May 2022 |
| 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.
Source: FCC Broadband Data Collection, based on 324 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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