413 Spring St, Charlotte, MI 48813 Property Records

Eaton County property record for 413 Spring St, Charlotte, MI 48813

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 954 sqft · built 1956
Lot Size	0.15 acres (6,534 sqft)
Owner	Individual Name on File
Last Sale	$135,000 (Dec 2022)
Tax Bill	$2,481 (2025)
Deeds & Mortgages	Dec 2022 Sale & Mortgage May 2020 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`20006860202000`

Property Details

APN / Parcel Number

Primary APN	`20006860202000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	954 sqft Living Area
1st Floor Area	954 sqft

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Architectural Style	Ranch
Exterior Material	Block
Lot Area	6,534 sqft (0.15 acres)
Lot Dimensions	100 ft deep x 64 ft wide
Garage Area	440 sqft

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace

Location & Zoning

Street Address	413 SPRING ST
City	CHARLOTTE
State	MI
Zip	48813-1117
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	N/A
Legal Description	S 65 FEET OF LOTS 1 & 2. BLOCK 2. MORRELL'S ADDITION CITY OF CHARLOTTE
Legal Subdivision	MORRELLS ADD
Legal Block	2
Legal Lot Number	1-2
Jurisdiction	EATON MI
Township / Civil Division	CHARLOTTE
Census Block Group	3
Census Block	3016
Census Tract	20901

Owner

Source: Eaton County records · APN 20006860202000

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	413 SPRING ST, CHARLOTTE, MI 48813-1117
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 08, 2022	Warranty Deed, Transfer · FHA Mortgage MICHIGAN MUTUAL INC
May 28, 2020	Warranty Deed, Transfer · Conventional Mortgage UNION HOME MORTGAGE CORP
May 28, 2020	Intrafamily Transfer, Transfer
May 28, 2020	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 08, 2022 · Amount on Record
Deed Sale	Dec 08, 2022 · Amount on Record
Prior Sale	May 28, 2020 · Amount on Record
Deed Book / Page	3031 / 1063
Prior Transfer Date	Apr 20, 2020
Prior Transfer Doc	2848/402
Record Updated	Sep 20, 2026

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EATON MI
Recording Date	Dec 08, 2022
Property Address	413 SPRING ST, CHARLOTTE, MI 48813-1117
Document Number	03031/1063
Book / Page	3031 / 1063
Map Reference	LB 2 PG 1
Instrument Date	Nov 18, 2022
Transaction Type	Transfer
Record Updated	Dec 20, 2022
Title Company	ATA NATIONAL TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,012.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	413 SPRING ST, CHARLOTTE, MI 48813-1117

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3890 TUTTLE RD, LESLIE, MI 49251-9714

Mortgage

Document Number	0030311064
Date	Dec 08, 2022
Instrument	3031-1064

Lender

Name	MICHIGAN MUTUAL INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 01, 2052

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EATON MI
Recording Date	May 28, 2020
Property Address	413 SPRING ST, CHARLOTTE, MI 48813-1117
Document Number	002848/404
Book / Page	2848 / 404
Map Reference	LB 2 PG 1
Instrument Date	May 22, 2020
Transaction Type	Transfer
Record Updated	May 03, 2022
Title Company	ATA NATIONAL TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$758.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1370 HOUGHTON LN, 1370, CHARLOTTE, MI 48813-9108

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	208 WEDGEWOOD DR, CHARLOTTE, MI 48813-1020

Mortgage

Document Number	0002848406
Date	May 28, 2020
Instrument	2848/406

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2050

May 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	EATON MI
Recording Date	May 28, 2020
Property Address	413 SPRING ST, CHARLOTTE, MI 48813-1117
Document Number	2848/402
Book / Page	2848 / 402
Map Reference	LB 2 PG 1
Instrument Date	Apr 20, 2020
Transaction Type	Transfer
Record Updated	Sep 07, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1851 SCENIC DR, 1851, VENICE, FL 34293-1535

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	284 E KINSEL HWY, CHARLOTTE, MI 48813-9785

May 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	EATON MI
Recording Date	May 28, 2020
Property Address	413 SPRING ST, CHARLOTTE, MI 48813-1117
Document Number	2848/400
Book / Page	2848 / 400
Map Reference	LB 2 PG 1
Instrument Date	Apr 20, 2020
Transaction Type	Transfer
Record Updated	Sep 07, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1851 SCENIC DR, 1851, VENICE, FL 34293-1535

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	284 E KINSEL HWY, CHARLOTTE, MI 48813-9785

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		$58,100 (+3.75%)	$112,009 (-) Land $24,773 Building $87,236
2025	$2,481.00 (+2.9%) Homeowner's exemption	$56,000 (+20.95%)	$112,009 (+20.96%) Land $24,773 Building $87,236
2024	$2,411.00 (+39.28%)
2023		$46,300	$92,600
2022	$1,731.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of November 26, 2010 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Wildfire

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

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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 Broadband.

Based on FCC filings for 145 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	CITY OF CHARLOTTE serves 9,074 people
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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.

413 Spring St, Charlotte, MI 48813 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

December 2022: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

May 2020: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

May 2020: Intrafamily Transfer, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

May 2020: Intrafamily Transfer, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood & Wildfire

Flood

Wildfire

Internet Providers

Drinking Water

Violations Reported to EPA

Nearby Properties on Spring St

Nearby Streets

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