319 E Henry St, Charlotte, MI 48813 Property Records

Eaton County property record for 319 E Henry St, Charlotte, MI 48813

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,350 sqft · built 1865
Lot Size	0.27 acres (11,761 sqft)
Owner	Individual Name on Record
Last Sale	$77,173 (Feb 2018)
Tax Bill	$2,792 (2025)
Deeds & Mortgages	Mar 2021 Mortgage May 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`20005100031000`

Property Details

APN / Parcel Number

Primary APN	`20005100031000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	1,350 sqft Living Area
1st Floor Area	900 sqft
Basement Area	900 sqft
Unfinished Basement	900 sqft

Exterior

Year Built	Built 1865
Effective Year Built	Effective 1865
Exterior Material	Aluminum/Vinyl
Lot Area	11,761 sqft (0.27 acres)
Lot Dimensions	147 ft deep x 74 ft wide
Garage Area	660 sqft
Porch	Porch
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	319 E HENRY ST
City	CHARLOTTE
State	MI
Zip	48813-1656
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	N/A
Legal Description	LOT 31. GALE'S ADDITION CITY OF CHARLOTTE
Legal Subdivision	GALES ADD
Legal Lot Number	31
Jurisdiction	EATON MI
Township / Civil Division	CHARLOTTE
Census Block Group	4
Census Block	4022
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

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	319 HENRY ST, CHARLOTTE, MI 48813
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERIFIRST FINANCIAL CORP
May 9, 2018	Quit Claim Deed, Transfer · Conventional Mortgage AMERIFIRST FINANCIAL CORP
Feb 21, 2018	Warranty Deed, Foreclosure
Feb 16, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 21, 2018 · Amount on Record
Deed Sale	Feb 21, 2018 · Amount on Record
Prior Sale	Feb 16, 2018 · Amount on Record
Deed Book / Page	2721 / 994
Last Transfer Date	May 4, 2018
Transfer Doc	02732/0963
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EATON MI
Property Address	319 E HENRY ST, CHARLOTTE, MI 48813-1656
Transaction Type	Mortgage
Record Updated	May 3, 2022
Title Company	ATA NATIONAL TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002912/217
Date	Mar 15, 2021
Book Page	2912/217

Lender

Name	AMERIFIRST FINANCIAL CORP
Type	Funding / Finance Company
Address	PORTAGE, MI 49002

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	EATON MI
Recording Date	May 9, 2018
Property Address	319 E HENRY ST, CHARLOTTE, MI 48813-1656
Document Number	02732/0963
Book / Page	2732 / 0963
Map Reference	LB7 PG47A&47B
Instrument Date	May 4, 2018
Transaction Type	Transfer
Record Updated	May 3, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	810 VERMONT AVE NW, 810, WASHINGTON, DC 20420-0001

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	498 EATON RAPIDS BLVD, EATON RAPIDS, MI 48827

Mortgage

Document Number	0002732965
Date	May 9, 2018
Instrument	2732/965

Lender

Name	AMERIFIRST FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2048

February 2018: Warranty Deed, Foreclosure

Document Type	Warranty Deed
Jurisdiction	EATON MI
Recording Date	Feb 21, 2018
Property Address	319 E HENRY ST, CHARLOTTE, MI 48813-1656
Document Number	2721/0994
Book / Page	2721 / 0994
Map Reference	LB7 PG47A&47B
Instrument Date	Oct 30, 2017
Transaction Type	Foreclosure
Record Updated	Sep 7, 2021

Transaction

Amount	Amount Recorded
Tax	$667.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10500 KINCAID DR STE 300, 10500, FISHERS, IN 46037-9764

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1240 E 9TH ST, CLEVELAND, OH 44199-9904

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EATON MI
Recording Date	Feb 16, 2018
Property Address	319 E HENRY ST, CHARLOTTE, MI 48813-1656
Document Number	2721/0429
Book / Page	2721 / 0429
Map Reference	LB7 PG47A&47NB
Instrument Date	Oct 2, 2017
Transaction Type	Transfer
Record Updated	Sep 7, 2021

Transaction

Amount	Amount Recorded
Tax	$85.25
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	296 BONNIE BROOK DR, 296, CHARLOTTE, MI 48813-1335

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	00000

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		$77,900 (+23.26%)	$145,411 (+15.04%) Land $35,827 Building $109,584
2025	$2,792.00 (+14.99%)
2023		$63,200	$126,400
2022	$2,428.00

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

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

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

Wildfire Risk	Low lower than 97% of the US · lower than 93% 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 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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