Eaton County property record for 313 E Shepherd St, Charlotte, MI 48813
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 891 sqft · built 1955 |
| Lot Size | 0.14 acres (6,098 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $102,850 (Sep 2020) |
| Tax Bill | $2,827 (2025) |
| Deeds & Mortgages | Sep 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 20004600221000 |
| Primary APN | 20004600221000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 891 sqft Living Area |
| 1st Floor Area | 891 sqft |
| Basement Area | 891 sqft |
| Unfinished Basement | 891 sqft |
| Game Room | Game Room |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 1955 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 6,098 sqft (0.14 acres) |
| Lot Dimensions | 108 ft deep x 60 ft wide |
| Garage Type | Carport |
| Carport | Carport |
| Porch | Porch |
| Deck Area | Deck Area |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 313 E SHEPHERD ST |
|---|---|
| City | CHARLOTTE |
| State | MI |
| Zip | 48813-2219 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | N/A |
| Legal Description | LOT 21. BLOCK 2. DENNISTON & WYBLE'S SUBDIVISION CITY OF CHARLOTTE |
| Legal Subdivision | DENNISTON WYBLES SUBDIVISION |
| Legal Block | 2 |
| Legal Lot Number | 21 |
| Jurisdiction | EATON MI |
| Township / Civil Division | CHARLOTTE |
| Census Block Group | 4 |
| Census Block | 4018 |
| Census Tract | 20902 |
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 | 313 E SHEPHERD ST, CHARLOTTE, MI 48813-2219 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 22, 2020 · Amount on Record |
| Deed Sale | Sep 22, 2020 · Amount on Record |
| Prior Sale | Oct 20, 2004 · Amount on Record |
| Deed Book / Page | 2870 / 684 |
| Prior Transfer Date | Jun 26, 2004 |
| Prior Transfer Doc | 1860000332 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | EATON MI |
| Recording Date | Sep 22, 2020 |
| Property Address | 313 E SHEPHERD ST, CHARLOTTE, MI 48813-2219 |
| Document Number | 002870/684 |
| Book / Page | 2870 / 684 |
| Map Reference | LB 2 PG 5 |
| Instrument Date | Aug 24, 2020 |
| Transaction Type | Transfer |
| Record Updated | May 3, 2022 |
| Title Company | BELL TITLE AGENCY/OKEMOS, BELL TITLE AGENCY OF OKEMOS |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $885.80 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 313 E SHEPHERD ST, 313, CHARLOTTE, MI 48813-2219 |
| Name | Verified Name |
|---|---|
| Address | 500 HENRY ST, LAKE CITY, MI 49651-8584 |
| Document Number | 0002870686 |
|---|---|
| Date | Sep 22, 2020 |
| Instrument | 2870/686 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2050 |
Source: Eaton County assessment roll, as of August 17, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Eaton County |
| Municipality | Charlotte City |
| Unified School District | Charlotte Public Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $57,000 (+5.75%) | $107,821 (-) Land $26,319 Building $81,502 | |
| 2025 | $2,827.00 (+2.95%) | $53,900 (+9.11%) | $107,821 (+9.13%) Land $26,319 Building $81,502 |
| 2024 | $2,746.00 (+52.9%) | ||
| 2023 | $49,400 | $98,800 | |
| 2022 | $1,796.00 |
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.
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.
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: 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 |
| 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 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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