412 Hall St, Charlotte, MI 48813 Property Records

Eaton County property record for 412 Hall St, Charlotte, MI 48813

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,879 sqft · built 1890
Lot Size	0.21 acres (9,148 sqft)
Owner	Individual Name on Record
Tax Bill	$1,452 (2025)
Deeds & Mortgages	Nov 2021 Second Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20007760016400`

Property Details

APN / Parcel Number

Primary APN	`20007760016400`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	1,879 sqft Living Area
1st Floor Area	1,000 sqft
Basement Area	879 sqft
Unfinished Basement	879 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Exterior Material	Aluminum/Vinyl
Lot Area	9,148 sqft (0.21 acres)
Lot Dimensions	100 ft deep x 90 ft wide
Garage Area	506 sqft
Porch	Covered Porch

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	412 HALL ST
City	CHARLOTTE
State	MI
Zip	48813-1110
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	N/A
Legal Description	E 90 FT OF W 276.5 FT OF LOT 16, EXCEPT N 30 FT. ROBINSONS ADDITION, CITY OF CHARLOTTE 1985
Legal Subdivision	ROBINSONS ADDITION
Legal Lot Number	16
Jurisdiction	EATON MI
Township / Civil Division	CHARLOTTE
Census Block Group	3
Census Block	3015
Census Tract	20901

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	412 HALL ST, CHARLOTTE, MI 48813-1110
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Oct 28, 2008
Transfer Doc	2206/1231
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EATON MI
Property Address	412 HALL ST, CHARLOTTE, MI 48813-1110
Transaction Type	Mortgage
Record Updated	Dec 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	412 HALL ST, CHARLOTTE, MI 48813-1110

Mortgage

Document Number	002971/686
Date	Nov 30, 2021
Book Page	2971/686

Lender

Name	LAKE TRUST CU
Type	Credit Union
Address	BRIGHTON, MI 48114

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Dec 14, 2031

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		$51,500 (+4.04%)	$98,974 (-) Land $26,704 Building $72,270
2025	$1,452.00 (+2.91%) Homeowner's exemption	$49,500 (+15.38%)	$98,974 (+15.35%) Land $26,704 Building $72,270
2024	$1,411.00 (+12.61%)
2023		$42,900	$85,800
2022	$1,253.00

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 99.1% of the US · lower than 98.4% 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 145 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable · Fiber in parts of the area	2,000 / 250
WOW Internet, Cable & Phone Cable	1,200 / 50
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, Mercury Fiber.

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