404 E Shepherd St, Charlotte, MI 48813 Property Records

Eaton County property record for 404 E Shepherd St, Charlotte, MI 48813

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,000 sqft · built 1971
Lot Size	0.34 acres (14,810 sqft)
Owner	Individual Name on Record
Tax Bill	$4,667 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Dec 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20004520050000`

Property Details

APN / Parcel Number

Primary APN	`20004520050000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,000 sqft Living Area
1st Floor Area	2,000 sqft
Basement Area	2,000 sqft
Unfinished Basement	2,000 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	14,810 sqft (0.34 acres)
Lot Dimensions	146 ft deep x 100 ft wide
Garage Area	528 sqft
Porch	Porch
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	404 E SHEPHERD ST
City	CHARLOTTE
State	MI
Zip	48813-2222
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	N/A
Legal Description	N 100 FEET OF LOT 50. DAYFAIR MANOR ADDITION CITY OF CHARLOTTE
Legal Subdivision	DAYFAIR MANOR
Legal Lot Number	50
Jurisdiction	EATON MI
Township / Civil Division	CHARLOTTE
Census Block Group	1
Census Block	1005
Census Tract	20902

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	404 E SHEPHERD ST, CHARLOTTE, MI 48813-2222
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 20, 2022	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC
Dec 29, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Jul 19, 2018	Deed of Trust, Mortgage · VA Mortgage AMERICAN FINANCIAL NETWORK INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Jun 7, 2012
Transfer Doc	2397/0509
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EATON MI
Property Address	404 E SHEPHERD ST, CHARLOTTE, MI 48813-2222
Transaction Type	Mortgage
Record Updated	Feb 2, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	404 E SHEPHERD ST, CHARLOTTE, MI 48813-2222

Mortgage

Document Number	002982/278
Date	Jan 20, 2022
Book Page	2982/278

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 10, 2052

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EATON MI
Property Address	404 E SHEPHERD ST, CHARLOTTE, MI 48813-2222
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2894/65
Date	Dec 29, 2020
Book Page	2894/65

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	384 Months
Due	Dec 1, 2052

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EATON MI
Property Address	404 E SHEPHERD ST, CHARLOTTE, MI 48813-2222
Transaction Type	Mortgage
Record Updated	Aug 17, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2744/0332
Date	Jul 19, 2018
Book Page	2744/0332

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company
Address	BREA, CA 92821

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2048

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		$140,400 (+3.85%)	$270,307 (-) Land $43,883 Building $226,424
2025	$4,667.00 (+2.91%) Homeowner's exemption	$135,200 (+14.29%)	$270,307 (+14.25%) Land $43,883 Building $226,424
2024	$4,535.00 (+11.89%)
2023		$118,300	$236,600
2022	$4,053.00

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	Direct burnable vegetation

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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