403 W 3rd St, Charlotte, MI 48813 Property Records

Eaton County property record for 403 W 3rd St, Charlotte, MI 48813 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,088 sqft · built 1949
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on File
Last Sale	$150,000 (Apr 2024)
Tax Bill	$2,778 (2025)
Deeds & Mortgages	Apr 2024 Sale & Mortgage Oct 2023 Sale
Flood Zone	Zone X (minimal risk)
APN	`20007560916000`

Property Details

APN / Parcel Number

Primary APN	`20007560916000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,088 sqft Living Area
1st Floor Area	736 sqft
Basement Area	704 sqft

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1949
Exterior Material	Aluminum/Vinyl
Lot Area	10,019 sqft (0.23 acres)
Lot Dimensions	132 ft deep x 75 ft wide
Porch	Porch

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	403 W 3RD ST
City	CHARLOTTE
State	MI
Zip	48813-2177
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 16. E 1/2 OF LOT 17. BLOCK 9 REVISED PLAT OF PROSPECT PARK ADD. CITY OF CHARLOTTE
Legal Subdivision	PROSPECT PARK ADD
Legal Block	9
Legal Lot Number	16-17
Jurisdiction	EATON MI
Township / Civil Division	CHARLOTTE
Census Block Group	1
Census Block	1018
Census Tract	20902

Owner

Source: Eaton County records · APN 20007560916000

Assessment roll updated August 17, 2026 · Last verified August 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 File
Mailing Address	403 W 3RD ST, CHARLOTTE, MI 48813-2177
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 10, 2024	Warranty Deed, Transfer · USDA Mortgage UNION HOME MORTGAGE CORP
Oct 02, 2023	Warranty Deed, Transfer TRANSNATION TITLE AGENCY

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 10, 2024 · Amount on Record
Deed Sale	Apr 10, 2024 · Amount on Record
Prior Sale	Oct 02, 2023 · Amount on Record
Deed Book / Page	3087 / 1088
Record Updated	Sep 20, 2026

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EATON MI
Recording Date	Apr 10, 2024
Property Address	403 W 3RD ST, CHARLOTTE, MI 48813-2177
Document Number	03087/1088
Book / Page	3087 / 1088
Map Reference	LB 2 PG 8
Instrument Date	Mar 20, 2024
Transaction Type	Transfer
Record Updated	Apr 24, 2024
Title Company	ATA NATIONAL TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,125.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3121 BENTON RD, CHARLOTTE, MI 48813-9710

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7610 HERITAGE DR, LANSING, MI 48917-6885

Mortgage

Document Number	0030871089
Date	Apr 10, 2024
Instrument	3087-1089

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	USDA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 01, 2054

Mortgage

Document Number	03087/1104
Date	Apr 10, 2024
Book Page	3087/1104

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company
Address	STRONGSVILLE, OH 44136

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EATON MI
Recording Date	Oct 02, 2023
Property Address	403 W 3RD ST, CHARLOTTE, MI 48813-2177
Document Number	003067/161
Book / Page	3067 / 161
Map Reference	LB 2 PG 8
Instrument Date	Sep 26, 2023
Transaction Type	Transfer
Record Updated	Oct 18, 2023
Title Company	TRANSNATION TITLE AGENCY

Transaction

Amount	Amount Recorded
Tax	$675.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	48772 SULLY DR 403 W THIRD ST, BELLEVILLE, MI 48111

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3121 BENTON RD, CHARLOTTE, MI 48813-9710

Tax Assessment & Valuation

Source: Eaton County records · Assessment roll updated August 17, 2026 · Last verified August 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

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$59,500 (+31.06%)	$113,100 (+24.56%) Land $31,198 Building $81,902
2025	$2,778.00 (+111.09%)
2023		$45,400	$90,800
2022	$1,316.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Eaton County (26045C), updated November 26, 2010 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 340 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
KEPS Technologies	Fiber	10,000 / 10,000
Xfinity	Cable	2,000 / 250
WOW Internet, Cable & Phone	Cable	1,200 / 50
Verizon	Fixed Wireless	300 / 20
Mercury Broadband	Fixed Wireless (licensed-by-rule)	150 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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