402 E Henry St, Charlotte, MI 48813 Property Records

Eaton County property record for 402 E Henry St, Charlotte, MI 48813

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,339 sqft · built 1850
Lot Size	0.07 acres (3,049 sqft)
Owner	Individual Name on Record
Last Sale	$79,500 (Apr 2020)
Tax Bill	$2,120 (2025)
Deeds & Mortgages	Apr 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20006162107001`

Property Details

APN / Parcel Number

Primary APN	`20006162107001`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	1,339 sqft Living Area
1st Floor Area	1,013 sqft
Basement Area	435 sqft
Unfinished Basement	435 sqft

Exterior

Year Built	Built 1850
Effective Year Built	Effective 1850
Exterior Material	Wood Siding
Lot Area	3,049 sqft (0.07 acres)
Lot Dimensions	81 ft deep x 39.9 ft wide
Garage Area	200 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	402 E HENRY ST
City	CHARLOTTE
State	MI
Zip	48813-1659
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	N/A
Legal Description	PART OF LOTS 20 & 21, LAWRENCE'S ADDITIONS OF OUT LOTS; COM NW COR OF E 30 FT LOT 20; N89?56'56"E 39.87 FT TO E LINE OF W 10 FT OF LOT 21; S0?01'35"E 80.52 FT; S89?13'58"W 39.91 FT TO W LINE OF E 30 FT OF LOT 20; N0?0'04"W 81.02 FT TO POB. SUBJ TO AL
Legal Subdivision	LAWRENCES ADD
Legal Lot Number	20-21
Jurisdiction	EATON MI
Township / Civil Division	CHARLOTTE
Census Block Group	4
Census Block	4003
Census Tract	20902

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	402 E HENRY ST, CHARLOTTE, MI 48813-1659
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 24, 2020 · Amount on Record
Deed Sale	Apr 24, 2020 · Amount on Record
Deed Book / Page	2840 / 263
Record Updated	Oct 29, 2026

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EATON MI
Recording Date	Apr 24, 2020
Property Address	402 E HENRY ST, CHARLOTTE, MI 48813-1659
Document Number	002840/263
Book / Page	2840 / 263
Instrument Date	Apr 10, 2020
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	ATA NATIONAL TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$683.70
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	216 PLEASANT ST, 216, CHARLOTTE, MI 48813-1638

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1226 RUNAWAY BAY DR # 18, 18, LANSING, MI 48917-8967

Mortgage

Document Number	0002840268
Date	Apr 24, 2020
Instrument	2840/268

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

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		$67,800 (+30.64%)	$129,944 (+25.19%) Land $18,469 Building $111,475
2025	$2,120.00 (+15.09%)
2023		$51,900	$103,800
2022	$1,842.00

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 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.

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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