317 E Lawrence Ave, Charlotte, MI 48813 Property Records

Eaton County property record for 317 E Lawrence Ave, Charlotte, MI 48813

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,354 sqft · built 1870
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on File
Last Sale	$151,000 (Jan 2025)
Tax Bill	$2,612 (2025)
Deeds & Mortgages	Jan 2025 Sale & Mortgage Apr 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20000002008100`

Property Details

APN / Parcel Number

Primary APN	`20000002008100`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,354 sqft Living Area
1st Floor Area	1,010 sqft
Basement Area	1,010 sqft
Unfinished Basement	1,010 sqft

Exterior

Year Built	Built 1870
Effective Year Built	Effective 1870
Exterior Material	Aluminum/Vinyl
Lot Area	6,970 sqft (0.16 acres)
Lot Dimensions	155 ft deep x 50 ft wide
Garage Area	480 sqft
Porch	Porch

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	317 E LAWRENCE AVE
City	CHARLOTTE
State	MI
Zip	48813-1631
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	N/A
Legal Description	LOT 8 & S 25 FT OF LOT 5. O.P. BLOCK 20. CITY OF CHARLOTTE 1978
Legal Subdivision	CHARLOTTE
Legal Block	20
Legal Lot Number	5,8
Jurisdiction	EATON MI
Township / Civil Division	CHARLOTTE
Census Block Group	3
Census Block	3017
Census Tract	20901

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

317 E Lawrence Ave is owned and occupied by an individual who bought it in January 2025.

Source: Eaton County records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	317 E LAWRENCE AVE, CHARLOTTE, MI 48813-1631
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jan 30, 2025	Warranty Deed, Transfer · Conventional Mortgage THE DART BANK
Apr 24, 2019	Warranty Deed, Transfer · Conventional Mortgage STEARNS LENDING LLC
Apr 3, 2012	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 30, 2025 · Amount on File
Deed Sale	Jan 30, 2025 · Amount on File
Prior Sale	Apr 24, 2019 · Amount on File
Deed Book / Page	3125 / 405
Prior Transfer Date	Apr 3, 2012
Prior Transfer Doc	02384/0964
Record Updated	Oct 29, 2026

January 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EATON MI
Recording Date	Jan 30, 2025
Property Address	317 E LAWRENCE AVE, CHARLOTTE, MI 48813-1631
Document Number	003125/405
Book / Page	3125 / 405
Instrument Date	Jan 23, 2025
Transaction Type	Transfer
Record Updated	Jun 22, 2026
Title Company	TRANSNATION TITLE AGENCY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,132.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	317 E LAWRENCE AVE, CHARLOTTE, MI 48813-1631

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	317 E LAWRENCE AVE, CHARLOTTE, MI 48813-1631

Mortgage

Document Number	0003125408
Date	Jan 30, 2025
Instrument	3125/408

Lender

Name	THE DART BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2055

Mortgage

Document Number	003125/478
Date	Jan 31, 2025
Book Page	3125/478

Lender

Name	MICHIGAN STATE HOUSING DEV AUTHORITY
Type	Government Agency
Address	LANSING, MI 48912

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EATON MI
Recording Date	Apr 24, 2019
Property Address	317 E LAWRENCE AVE, CHARLOTTE, MI 48813-1631
Document Number	02781/0594
Book / Page	2781 / 0594
Instrument Date	Apr 18, 2019
Transaction Type	Transfer
Record Updated	Jun 22, 2026
Title Company	ATA NATIONAL TITLE GROUP LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$834.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3277 S DUFFIELD RD, LENNON, MI 48449-9407

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1923 WOOD ST APT 4, 4, LANSING, MI 48912-3464

Mortgage

Document Number	0002781595
Date	Apr 24, 2019
Instrument	2781/595

Lender

Name	STEARNS LENDING LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2049

April 2012: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	EATON MI
Recording Date	Apr 3, 2012
Property Address	317 E LAWRENCE AVE, CHARLOTTE, MI 48813-1631
Document Number	02384/0964
Book / Page	2384 / 0964
Instrument Date	Apr 3, 2012
Transaction Type	Transfer
Record Updated	Jun 22, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	317 E LAWRENCE AVE, CHARLOTTE, MI 48813-1631

Tax Assessment & Valuation

The 2025 property tax bill for 317 E Lawrence Ave was $2,612, up 2.9% from the year before.

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		$67,500 (+2.58%)	$131,503 (-) Land $30,742 Building $100,761
2025	$2,612.00 (+2.92%) Homeowner's exemption	$65,800	$131,503 Land $30,742 Building $100,761
2024	$2,538.00
2023		$60,300	$120,600
2022	$2,272.00

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

FEMA maps place 317 E Lawrence Ave in Zone X, an area of minimal flood risk.

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

The area around 317 E Lawrence Ave has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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 200 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: AT&T, T-Mobile.

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