323 E Henry St, Charlotte, MI 48813 Property Records

Eaton County property record for 323 E Henry St, Charlotte, MI 48813

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,750 sqft · built 1900
Lot Size	0.18 acres (7,841 sqft)
Owner	Individual Name on Record
Last Sale	$137,500 (May 2020)
Tax Bill	$4,299 (2025)
Deeds & Mortgages	Sep 2026 Mortgage May 2020 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`20005100032500`

Property Details

APN / Parcel Number

Primary APN	`20005100032500`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,750 sqft Living Area
1st Floor Area	960 sqft
Basement Area	674 sqft
Unfinished Basement	674 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Aluminum/Vinyl
Lot Area	7,841 sqft (0.18 acres)
Lot Dimensions	105 ft deep x 74 ft wide
Garage Area	484 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	323 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	S 105 FEET OF LOT 32. GALE'S ADDITION CITY OF CHARLOTTE
Legal Subdivision	GALES ADD
Legal Lot Number	32
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	323 E HENRY ST, CHARLOTTE, MI 48813-1656
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 25, 2026	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY CREDIT UNION
May 27, 2020	Warranty Deed, Transfer · USDA Mortgage USDA
Aug 5, 2019	Quit Claim Deed, Transfer Quitclaim
Aug 13, 2019	Sheriff's Deed, Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 27, 2020 · Amount on Record
Deed Sale	May 27, 2020 · Amount on Record
Prior Sale	Aug 13, 2019 · Amount on Record
Deed Book / Page	2848 / 24
Prior Transfer Date	Jul 25, 2019
Prior Transfer Doc	2797/1188
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EATON MI
Recording Date	Sep 25, 2026
Property Address	323 E HENRY ST, CHARLOTTE, MI 48813-1656
Document Number	0000004414
Book / Page	3213 / 711
Instrument Date	Sep 21, 2026
Instrument	20264414
Transaction Type	Mortgage
Record Updated	Oct 6, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	323 E HENRY ST, CHARLOTTE, MI 48813-1656

Mortgage

Document Number	0000004414,
Date	Sep 25, 2026
Book Page	3213/711
Instrument	20264414

Lender

Name	COMMUNITY CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Sep 28, 2036

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EATON MI
Recording Date	May 27, 2020
Property Address	323 E HENRY ST, CHARLOTTE, MI 48813-1656
Document Number	0002848/24
Book / Page	2848 / 24
Map Reference	LB 1 PG 74-A
Instrument Date	May 15, 2020
Transaction Type	Transfer
Record Updated	May 3, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,182.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	323 E HENRY ST, 323, CHARLOTTE, MI 48813-1656

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	923 ROBINS RD, LANSING, MI 48917-3110

Mortgage

Document Number	0000284826
Date	May 27, 2020
Instrument	2848/26

Lender

Name	USDA
Type	Government Agency

Agreement

Type	USDA Mortgage
Amount	Amount Recorded
Term	456 Months
Due	May 15, 2058

August 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	EATON MI
Recording Date	Aug 5, 2019
Property Address	323 E HENRY ST, CHARLOTTE, MI 48813-1656
Document Number	2796/0800
Book / Page	2796 / 0800
Map Reference	LB 1 PG 47-A
Instrument Date	Aug 3, 2019
Transaction Type	Transfer
Record Updated	Sep 7, 2021

Transaction

Amount	Amount Recorded
Tax	$8.60
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	323 E HENRY ST, 323, CHARLOTTE, MI 48813-1656

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	323 E HENRY ST, CHARLOTTE, MI 48813-1656

August 2019: Sheriff's Deed, Foreclosure

Document Type	Sheriff's Deed
Jurisdiction	EATON MI
Recording Date	Aug 13, 2019
Property Address	323 E HENRY ST, CHARLOTTE, MI 48813-1656
Document Number	2797/1188
Book / Page	2797 / 1188
Map Reference	LB 1 PG 47-A
Instrument Date	Jul 25, 2019
Transaction Type	Foreclosure
Record Updated	Sep 7, 2021

Transaction

Amount	Amount Recorded
Tax	$85.25
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 23162, LANSING, MI 48909-3162

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		$102,100 (+20.12%)	$197,141 (+15.97%) Land $28,895 Building $168,246
2025	$4,299.00 (+15.13%)
2023		$85,000	$170,000
2022	$3,734.00

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.

Nearby Properties on E Henry St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures