318 Maple St, Charlotte, MI 48813 Property Records

Eaton County property record for 318 Maple St, Charlotte, MI 48813

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,788 sqft · built 1967
Lot Size	0.25 acres (10,890 sqft)
Owner	Individual Name on File
Last Sale	$174,900 (Nov 2021)
Tax Bill	$4,299 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Oct 2020 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`20006665904000`

Property Details

APN / Parcel Number

Primary APN	`20006665904000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	3 Stories
Building Area	1,788 sqft Living Area
1st Floor Area	1,112 sqft
Game Room	Game Room

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1967
Architectural Style	Tri-Level
Exterior Material	Aluminum/Vinyl
Lot Area	10,890 sqft (0.25 acres)
Lot Dimensions	108 ft deep x 100 ft wide
Porch	Porch
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	318 MAPLE ST
City	CHARLOTTE
State	MI
Zip	48813-1258
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	N/A
Legal Description	COM. 22 8/9 RODS E OF SW CORNER OF LOT 59, E 100 FEET, N 108 FEET, W 100 FEET S 108 FEET TO BEG. MCCLURE'S ADDITION CITY OF CHARLOTTE
Legal Subdivision	FEET TO BEG MCCLURES ADD
Legal Lot Number	59
Jurisdiction	EATON MI
Township / Civil Division	CHARLOTTE
Census Block Group	1
Census Block	1001
Census Tract	20901

Owner

318 Maple St is owned and occupied by an individual who bought it in November 2021.

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

Owner of Record	Individual Name on File
Mailing Address	318 MAPLE ST, CHARLOTTE, MI 48813-1258
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
Aug 13, 2021	Deed of Trust, Mortgage CONSUMERS PROFESSIONAL CU
Oct 23, 2020	Deed of Trust, Mortgage · Line of Credit CONSUMERS PROFESSIONAL CU
Nov 12, 2021	Warranty Deed, Transfer · VA Mortgage INDEPENDENT BANK
Jun 25, 2019	Warranty Deed, Transfer · Conventional Mortgage THE HUNTINGTON NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 12, 2021 · Amount on File
Deed Sale	Nov 12, 2021 · Amount on File
Prior Sale	Jun 25, 2019 · Amount on File
Deed Book / Page	2968 / 291
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EATON MI
Property Address	318 MAPLE ST, CHARLOTTE, MI 48813-1258
Transaction Type	Mortgage
Record Updated	May 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	318 MAPLE ST, CHARLOTTE, MI 48813-1258

Mortgage

Document Number	002948/315
Date	Aug 13, 2021
Book Page	2948/315

Lender

Name	CONSUMERS PROFESSIONAL CU
Type	Credit Union
Address	LANSING, MI 48908

Agreement

Amount	Amount on Record
Term	60 Months
Due	Aug 10, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EATON MI
Property Address	318 MAPLE ST, CHARLOTTE, MI 48813-1258
Transaction Type	Mortgage
Record Updated	May 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002878/367
Date	Oct 23, 2020
Book Page	2878/367

Lender

Name	CONSUMERS PROFESSIONAL CU
Type	Credit Union
Address	LANSING, MI 48906

Agreement

Type	Line of Credit
Amount	Amount on Record

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EATON MI
Recording Date	Nov 12, 2021
Property Address	318 MAPLE ST, CHARLOTTE, MI 48813-1258
Document Number	002968/291
Book / Page	2968 / 291
Instrument Date	Nov 5, 2021
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	NOT AVAILABLE, MAIN STREET ESCROW AND TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,505.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	318 MAPLE ST, 318, CHARLOTTE, MI 48813-1258

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4304 FONTANA AVE, CHESAPEAKE, VA 23325-4006

Mortgage

Document Number	0002968294
Date	Nov 12, 2021
Instrument	2968/294

Lender

Name	INDEPENDENT BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EATON MI
Recording Date	Jun 25, 2019
Property Address	318 MAPLE ST, CHARLOTTE, MI 48813-1258
Document Number	02790/0552
Book / Page	2790 / 0552
Instrument Date	Jun 20, 2019
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	TRANSNATION TITLE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,135.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	318 MAPLE ST, 318, CHARLOTTE, MI 48813-1258

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	447 S COCHRAN AVE, CHARLOTTE, MI 48813-2247

Mortgage

Document Number	0002790554
Date	Jun 25, 2019
Instrument	2790/554

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 318 Maple St was $4,299 with a homeowner's exemption.

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		$98,000	$186,796 Land $34,844 Building $151,952
2025	$4,299.00
2023		$80,500	$161,000
2022	$3,742.00

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 318 Maple St in Zone X, an area of minimal flood risk.

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 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.

Wildfire

The area around 318 Maple St 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 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.

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