316 Beech St, Charlotte, MI 48813 Property Records

Eaton County property record for 316 Beech St, Charlotte, MI 48813

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,560 sqft · built 1971
Lot Size	1.15 acres (50,094 sqft)
Owner	2 Individual Names on Record
Last Sale	$295,000 (Feb 2023)
Tax Bill	$8,116 (2025)
Deeds & Mortgages	Feb 2023 Sale & Mortgage Nov 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`20005200038100`

Property Details

APN / Parcel Number

Primary APN	`20005200038100`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,560 sqft Living Area
1st Floor Area	2,560 sqft
Basement Area	2,560 sqft
Unfinished Basement	2,560 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Architectural Style	Ranch
Exterior Material	Brick
Lot Area	50,094 sqft (1.15 acres)
Lot Dimensions	266 ft deep x 188 ft wide
Garage Area	975 sqft
Porch	Porch

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	316 BEECH ST
City	CHARLOTTE
State	MI
Zip	48813-1006
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	N/A
Legal Description	LOT 38. LOT 37 EXCEPT E 6 FT. GREENWOOD TERRACE PLAT #1. ALSO COM 106 FT W OF NE COR LOT 36 GREENWOOD TERRACE #1, W 179 FT, N 68DEG 54MIN 10SEC W 53.33 FT, N 25DEG 49MIN 10SEC E 154.46 FT, SELY 105 FT ALONG S LINE OF WEDGEWOOD DR, E 60 FT ON S LINE O
Legal Range	05W
Legal Township	02N
Legal Section	12
Legal Subdivision	GREENWOOD TERRACE
Legal Lot Number	36-38
Jurisdiction	EATON MI
Township / Civil Division	CHARLOTTE
Census Block Group	3
Census Block	3014
Census Tract	21001

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	316 BEECH ST, CHARLOTTE, MI 48813-1006
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 2, 2023	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE CENTER
Nov 17, 2022	Deed of Trust, Mortgage · Line of Credit EATON COMMUNITY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 2, 2023 · Amount on Record
Deed Sale	Feb 2, 2023 · Amount on Record
Prior Sale	Jan 12, 2023 · Amount on Record
Deed Book / Page	3037 / 967
Record Updated	Oct 29, 2026

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EATON MI
Recording Date	Feb 2, 2023
Property Address	316 BEECH ST, CHARLOTTE, MI 48813-1006
Document Number	003037/967
Book / Page	3037 / 967
Map Reference	LB 5 PG 19
Instrument Date	Jan 21, 2023
Transaction Type	Transfer
Record Updated	Feb 15, 2023
Title Company	ATA NATIONAL TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,215.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	538 COTTONWOOD DR, SEBRING, FL 33875-6218

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5715 BARNES RD, EATON RAPIDS, MI 48827-9691

Mortgage

Document Number	0030370970
Date	Feb 2, 2023
Instrument	3037-0970

Lender

Name	MORTGAGE CENTER
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2053

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EATON MI
Property Address	316 BEECH ST, CHARLOTTE, MI 48813-1006
Transaction Type	Mortgage
Record Updated	Nov 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	316 BEECH ST, CHARLOTTE, MI 48813-1006

Mortgage

Document Number	003029/606
Date	Nov 17, 2022
Book Page	3029/606

Lender

Name	EATON COMMUNITY BANK
Type	Bank
Address	CHARLOTTE, MI 48813

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Nov 25, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$176,800 (+19.3%)	$337,924 (+14.01%) Land $78,901 Building $259,023
2025	$8,116.00 (+60.4%)
2023		$148,200	$296,400
2022	$5,060.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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 (1985)
Most Recent Claim	Feb 1985 · 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.

Wildfire

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

Wildfire Risk	Low lower than 98% of the US · lower than 95% 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 175 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

May also be available: Mercury Fiber.

Cell Coverage

5G (outdoors only) and 4G LTE

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