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

Eaton County property record for 416 W 3rd St, Charlotte, MI 48813 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 440 sqft · built 1950
Lot Size	0.15 acres (6,534 sqft)
Owner	Individual Name on File
Last Sale	$40,000 (Dec 2021)
Tax Bill	$1,077 (2025)
Deeds & Mortgages	Oct 2023 Second Mortgage Dec 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20007560510000`

Property Details

APN / Parcel Number

Primary APN	`20007560510000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	440 sqft Living Area
1st Floor Area	440 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Ranch
Exterior Material	Block
Lot Area	6,534 sqft (0.15 acres)
Lot Dimensions	127 ft deep x 45 ft wide
Garage Area	280 sqft
Porch	Porch

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	416 W 3RD ST
City	CHARLOTTE
State	MI
Zip	48813-2178
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	W 45 FEET OF LOT 10. BLOCK 5. REVISED PLAT OF PROSPECT PARK ADDITION CITY OF CHARLOTTE
Legal Subdivision	PROSPECT PARK ADDITION
Legal Block	5
Legal Lot Number	10
Jurisdiction	EATON MI
Township / Civil Division	CHARLOTTE
Census Block Group	1
Census Block	1019
Census Tract	20902

Owner

Source: Eaton County records · APN 20007560510000

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	416 W 3RD ST, CHARLOTTE, MI 48813-2178
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 16, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage EATON COMMUNITY BANK
Dec 28, 2021	Quit Claim Deed, Transfer · FHA Mortgage ROCKET MORTGAGE LLC
Jun 19, 2017	Land Contract, Transfer

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 28, 2021 · Amount on Record
Deed Sale	Dec 28, 2021 · Amount on Record
Prior Sale	May 13, 2008 · Amount on Record
Deed Book / Page	2977 / 1022
Prior Transfer Date	Apr 12, 2021
Prior Transfer Doc	02977/1022
Record Updated	Sep 20, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EATON MI
Property Address	416 W 3RD ST, CHARLOTTE, MI 48813-2178
Transaction Type	Mortgage
Record Updated	Oct 27, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	416 W THIRD ST, CHARLOTTE, MI 48813-2178

Mortgage

Document Number	03068/1083
Date	Oct 16, 2023
Book Page	3068/1083

Lender

Name	EATON COMMUNITY BANK
Type	Bank
Address	CHARLOTTE, MI 48813

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Oct 01, 2038

December 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	EATON MI
Recording Date	Dec 28, 2021
Property Address	416 W 3RD ST, CHARLOTTE, MI 48813-2178
Document Number	02977/1022
Book / Page	2977 / 1022
Instrument Date	Apr 12, 2021
Transaction Type	Transfer
Record Updated	May 03, 2022
Title Company	AMROCK INC, AMROCK

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$300.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9466 KINNEVILLE RD, 9466, EATON RAPIDS, MI 48827-9504

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	416 W THIRD ST, CHARLOTTE, MI 48813-2178

Mortgage

Document Number	0029771024
Date	Dec 28, 2021
Instrument	2977/1024

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2052

June 2017: Land Contract, Transfer

Document Type	Land Contract
Jurisdiction	EATON MI
Recording Date	Jun 19, 2017
Property Address	416 W 3RD ST, CHARLOTTE, MI 48813-2178
Document Number	2684/0644
Book / Page	2684 / 0644
Instrument Date	Jun 01, 2017
Transaction Type	Transfer
Record Updated	Sep 07, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9466 KINNEVILLE RD, 9466, EATON RAPIDS, MI 48827-9504

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	297 N MAIN ST, VERMONTVILLE, MI 49096-9415

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 and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$33,400 (+15.57%)	$64,385 (+11.39%) Land $24,391 Building $39,994
2025	$1,077.00 (+14.33%)
2023		$28,900	$57,800
2022	$942.00

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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