Eaton County property record for 318 E Henry St, Charlotte, MI 48813
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 1,926 sqft · built 1900 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $3,142 (2025) |
| Deeds & Mortgages | Jan 2024 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 20006162001000 |
| Primary APN | 20006162001000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 1,926 sqft Living Area |
| 1st Floor Area | 1,326 sqft |
| Basement Area | 384 sqft |
| Unfinished Basement | 384 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1990 |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 10,890 sqft (0.25 acres) |
| Lot Dimensions | 150 ft deep x 74 ft wide |
| Garage Area | 720 sqft |
| Porch | Porch |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 318 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 | W 74 FEET OF N 150 FEET OF LOT 20. LAWRENCE'S ADDITION OF OUT LOTS CITY OF CHARLOTTE |
| Legal Subdivision | LAWRENCES ADD |
| Legal Lot Number | 20 |
| Jurisdiction | EATON MI |
| Township / Civil Division | CHARLOTTE |
| Census Block Group | 4 |
| Census Block | 4004 |
| Census Tract | 20902 |
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.
Source: Eaton County records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 318 E HENRY ST, CHARLOTTE, MI 48813-1657 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EATON MI |
| Property Address | 318 E HENRY ST, CHARLOTTE, MI 48813-1657 |
| Transaction Type | Mortgage |
| Record Updated | Feb 2, 2024 |
| Name | Verified Name |
|---|---|
| Address | 318 E HENRY ST, CHARLOTTE, MI 48813-1657 |
| Document Number | 003079/280 |
|---|---|
| Date | Jan 22, 2024 |
| Book Page | 3079/280 |
| Name | MICHIGAN STATE UNIVERSITY FCU |
|---|---|
| Type | Credit Union |
| Address | EAST LANSING, MI 48823 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Jan 16, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $87,400 (+21.05%) | $166,795 (+15.51%) Land $37,096 Building $129,699 | |
| 2025 | $3,142.00 (+15.05%) | ||
| 2023 | $72,200 | $144,400 | |
| 2022 | $2,731.00 |
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 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 | None beyond ember reach |
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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