413 E Shepherd St, Charlotte, MI 48813 Property Records

Eaton County property record for 413 E Shepherd St, Charlotte, MI 48813

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,303 sqft · built 2005
Lot Size	0.46 acres (20,038 sqft)
Owner	Individual Name on Record
Last Sale	$20,000 (Feb 2006)
Tax Bill	$5,588 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Jan 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20006361022101`

Property Details

APN / Parcel Number

Primary APN	`20006361022101`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,303 sqft Living Area
1st Floor Area	2,102 sqft
Basement Area	1,302 sqft
Unfinished Basement	1,302 sqft

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	20,038 sqft (0.46 acres)
Lot Dimensions	141 ft deep x 125 ft wide
Garage Area	484 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	413 E SHEPHERD ST
City	CHARLOTTE
State	MI
Zip	48813-2221
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	N/A
Legal Description	E 10 FT OF LOT 22. LOTS 23 & 24. BLK 10, LINCOLN PARK ADD, CITY OF CHARLOTTE. D 11-16-12 (COMBINATION) SPLIT/COMBINED FROM 200-063-610-221-00 & 200-063-610-231-00 FOR 2013.
Legal Subdivision	LINCOLN PARK ADD
Legal Block	10
Legal Lot Number	22-24
Jurisdiction	EATON MI
Township / Civil Division	CHARLOTTE
Census Block Group	4
Census Block	4017
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	413 E SHEPHERD ST, CHARLOTTE, MI 48813-2221
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 23, 2025	Deed of Trust, Mortgage · FHA Mortgage MISSION LOANS LLC
Jan 25, 2023	Intrafamily Transfer, Transfer · Conventional Mortgage LAFCU
Dec 19, 2017	Deed of Trust, Mortgage · Construction Mortgage THE HUNTINGTON NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 16, 2006 · Amount on Record
Deed Sale	Feb 16, 2006 · Amount on Record
Deed Book / Page	2010 / 758
Last Transfer Date	Jan 20, 2023
Transfer Doc	03036/1154
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EATON MI
Property Address	413 E SHEPHERD ST, CHARLOTTE, MI 48813-2221
Transaction Type	Mortgage
Record Updated	Jan 5, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	413 E SHEPHERD ST, CHARLOTTE, MI 48813-2221

Mortgage

Document Number	03170/1219
Date	Dec 23, 2025
Book Page	3170/1219

Lender

Name	MISSION LOANS LLC
Type	Mortgage Company
Address	IRVINE, CA 92612

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

January 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	EATON MI
Recording Date	Jan 25, 2023
Property Address	413 E SHEPHERD ST, CHARLOTTE, MI 48813-2221
Document Number	03036/1154
Book / Page	3036 / 1154
Map Reference	LB 1 PG 88
Instrument Date	Jan 20, 2023
Transaction Type	Transfer
Record Updated	Feb 14, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	413 E SHEPHERD ST, CHARLOTTE, MI 48813-2221

Mortgage

Document Number	0030361156
Date	Jan 25, 2023
Instrument	3036-1156

Lender

Name	LAFCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Feb 1, 2033
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	10.5%
Index	Other
Max Rate	10.5%

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EATON MI
Property Address	413 E SHEPHERD ST, CHARLOTTE, MI 48813-2221
Transaction Type	Mortgage
Record Updated	Jan 9, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 2713-1061
Date	Dec 19, 2017
Book Page	2713/1061
Instrument	2713-1061

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Nov 28, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$179,500 (+4.48%)	$343,659 (-) Land $44,086 Building $299,573
2025	$5,588.00 (+2.93%) Homeowner's exemption	$171,800 (+13.7%)	$343,659 (+13.72%) Land $44,086 Building $299,573
2024	$5,429.00 (+18.8%)
2023		$151,100	$302,200
2022	$4,570.00

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 84 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
Mercury Fiber Fixed Wireless	150 / 20

May also be available: ACD.net, T-Mobile.

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