323 Johnson St, Charlotte, MI 48813 Property Records

Eaton County property record for 323 Johnson St, Charlotte, MI 48813

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,908 sqft · built 1890
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on File
Last Sale	$205,000 (Mar 2026)
Tax Bill	$3,246 (2025)
Deeds & Mortgages	Nov 2014 Line of Credit Aug 2013 Mortgage + 6 more
Flood Zone	Zone X (minimal risk)
APN	`20004300005000`

Property Details

APN / Parcel Number

Primary APN	`20004300005000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,908 sqft Living Area
1st Floor Area	1,068 sqft
Basement Area	840 sqft
Unfinished Basement	840 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1980
Exterior Material	Aluminum/Vinyl
Lot Area	7,405 sqft (0.17 acres)
Lot Dimensions	150 ft deep x 50 ft wide
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	323 JOHNSON ST
City	CHARLOTTE
State	MI
Zip	48813-1623
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	N/A
Legal Description	LOT 5. BRYAN'S ADDITION CITY OF CHARLOTTE
Legal Subdivision	BRYANS ADD
Legal Lot Number	5
Jurisdiction	EATON MI
Township / Civil Division	CHARLOTTE
Census Block Group	4
Census Block	4005
Census Tract	20901

Owner

323 Johnson St is owned and occupied by two individuals who bought it in March 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	4722 OMAR DR, LANSING, MI 48917-3450
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Nov 17, 2014	Deed of Trust, Mortgage · Line of Credit MICHIGAN HOMEOWNER ASSISTANCE NONPROFIT
Aug 8, 2013	Deed of Trust, Mortgage · Conventional Mortgage MICHIGAN STATE UNIVERSITY FCU
Mar 20, 2026	Warranty Deed, Transfer · Conventional Mortgage MICHIGAN STATE UNIVERSITY FCU
Jan 7, 2026	Intrafamily Transfer, Transfer
Oct 25, 2022	Warranty Deed, Transfer · Conventional Mortgage EVERETT FINANCIAL INC
Jun 25, 2020	Warranty Deed, Transfer · Conventional Mortgage BANK OF AMERICA NA
Jan 17, 2019	Warranty Deed, Transfer · Conventional Mortgage MICHIGAN FIRST CU
Aug 29, 2017	Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 20, 2026 · Amount on File
Deed Sale	Mar 20, 2026 · Amount on File
Prior Sale	Oct 25, 2022 · Amount on File
Deed Book / Page	3182 / 897
Prior Transfer Date	Jan 7, 2026
Prior Transfer Doc	003173/152
Record Updated	Oct 29, 2026

November 2014: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EATON MI
Property Address	323 JOHNSON ST, CHARLOTTE, MI 48813-1623
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02544/0330
Date	Nov 17, 2014
Book Page	2544/0330

Lender

Name	MICHIGAN HOMEOWNER ASSISTANCE NONPROFIT
Type	Non-Lending Institution
Address	LANSING, MI 48912

Agreement

Type	Line of Credit
Amount	Amount on Record

August 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EATON MI
Property Address	323 JOHNSON ST, CHARLOTTE, MI 48813-1623
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02478/0988
Date	Aug 8, 2013
Book Page	2478/0988

Lender

Name	MICHIGAN STATE UNIVERSITY FCU
Type	Credit Union
Address	EAST LANSING, MI 48826

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2043

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EATON MI
Recording Date	Mar 20, 2026
Property Address	323 JOHNSON ST, CHARLOTTE, MI 48813-1623
Document Number	003182/897
Book / Page	3182 / 897
Map Reference	LB 1 PG 30
Instrument Date	Mar 20, 2026
Transaction Type	Transfer
Record Updated	Apr 2, 2026
Title Company	GREAT PLAINS TITLE AND ESCROW LL, GREATER LANSING & ESCROW

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,537.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	323 JOHNSON ST, CHARLOTTE, MI 48813-1623

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	4722 OMAR DR, LANSING, MI 48917-3450

Mortgage

Document Number	0003182900
Date	Mar 20, 2026
Instrument	3182/900

Lender

Name	MICHIGAN STATE UNIVERSITY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

January 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	EATON MI
Recording Date	Jan 7, 2026
Property Address	323 JOHNSON ST, CHARLOTTE, MI 48813-1623
Document Number	003173/152
Book / Page	3173 / 152
Map Reference	LB 3173 PG 153
Instrument Date	Jan 7, 2026
Transaction Type	Transfer
Record Updated	Jan 14, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	323 JOHNSON ST, CHARLOTTE, MI 48813-1623

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EATON MI
Recording Date	Oct 25, 2022
Property Address	323 JOHNSON ST, CHARLOTTE, MI 48813-1623
Document Number	003026/404
Book / Page	3026 / 404
Map Reference	LB 1 PG 30
Instrument Date	Oct 11, 2022
Transaction Type	Transfer
Record Updated	Nov 3, 2022
Title Company	TRANSNATION TITLE AGENCY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,387.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9902 DAILEY DR, 9902, CALEDONIA, MI 49316-7204

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	636 JULIA ST, LANSING, MI 48910-5428

Mortgage

Document Number	0030260406
Date	Oct 25, 2022
Instrument	3026-0406

Lender

Name	EVERETT FINANCIAL INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2052

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EATON MI
Recording Date	Jun 25, 2020
Property Address	323 JOHNSON ST, CHARLOTTE, MI 48813-1623
Document Number	002853/153
Book / Page	2853 / 153
Map Reference	LB 1 PG 30
Instrument Date	Jun 19, 2020
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	$1,393.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	323 JOHNSON ST, 323, CHARLOTTE, MI 48813-1623

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	323 JOHNSON ST, CHARLOTTE, MI 48813-1623

Mortgage

Document Number	0002853155
Date	Jun 25, 2020
Instrument	2853/155

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2050

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EATON MI
Recording Date	Jan 17, 2019
Property Address	323 JOHNSON ST, CHARLOTTE, MI 48813-1623
Document Number	02769/1167
Book / Page	2769 / 1167
Map Reference	LB 1 PG 30
Instrument Date	Dec 31, 2018
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	BELL TITLE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,143.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	323 JOHNSON ST, 323, CHARLOTTE, MI 48813-1623

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	706 MASON HILLS DR, MASON, MI 48854-1283

Mortgage

Document Number	0027691169
Date	Jan 17, 2019
Instrument	2769/1169

Lender

Name	MICHIGAN FIRST CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2049

August 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	EATON MI
Recording Date	Aug 29, 2017
Property Address	323 JOHNSON ST, CHARLOTTE, MI 48813-1623
Document Number	2696/0655
Book / Page	2696 / 0655
Map Reference	LB1 PG30
Instrument Date	Aug 4, 2017
Transaction Type	Transfer
Record Updated	Sep 7, 2021

Transaction

Amount	Amount on Record
Tax	$619.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3415 VISION DR, 3415, COLUMBUS, OH 43219-6009

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2696 QUAKEZIK ST, HASTINGS, MI 49058-9560

Tax Assessment & Valuation

The 2025 property tax bill for 323 Johnson St was $3,246 with a homeowner's exemption, 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		$77,100 (+5.47%)	$146,219 (-) Land $29,028 Building $117,191
2025	$3,246.00 (+2.92%) Homeowner's exemption	$73,100	$146,219 Land $29,028 Building $117,191
2024	$3,154.00
2023		$61,100	$122,200
2022	$3,105.00

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 323 Johnson St 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

Wildfire risk around 323 Johnson St is low, with a 0.01% annual chance of wildfire.

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.

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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