421 Forest St, Charlotte, MI 48813 Property Records

Eaton County property record for 421 Forest St, Charlotte, MI 48813

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,744 sqft
Lot Size	0.63 acres (27,443 sqft)
Owner	Individual Name on Record
Last Sale	$208,600 (Dec 2024)
Tax Bill	$6,383 (2025)
Deeds & Mortgages	Mar 2011 Mortgage Dec 2024 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20006666601000`

Property Details

APN / Parcel Number

Primary APN	`20006666601000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,744 sqft Living Area
1st Floor Area	1,372 sqft
Basement Area	1,372 sqft
Unfinished Basement	1,372 sqft

Exterior

Exterior Material	Brick
Lot Area	27,443 sqft (0.63 acres)
Lot Dimensions	330 ft deep x 82 ft wide
Garage Area	1,820 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water

Location & Zoning

Street Address	421 FOREST ST
City	CHARLOTTE
State	MI
Zip	48813-1234
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	N/A
Legal Description	S 1/2 OF LOT 66. MCCLURE'S ADDITION CITY OF CHARLOTTE
Legal Subdivision	MCCLURES ADD
Legal Lot Number	66
Jurisdiction	EATON MI
Township / Civil Division	CHARLOTTE
Census Block Group	1
Census Block	1014
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	421 FOREST ST, CHARLOTTE, MI 48813-1234
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 9, 2011	Deed of Trust, Mortgage · Conventional Mortgage ARBOR MORTGAGE CORP
Dec 26, 2024	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Aug 16, 2011	Warranty Deed, Transfer · Conventional Mortgage MICHIGAN STATE UNIVERSITY FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 26, 2024 · Amount on Record
Deed Sale	Dec 26, 2024 · Amount on Record
Prior Sale	Aug 16, 2011 · Amount on Record
Deed Book / Page	3121 / 460
Record Updated	Oct 29, 2026

March 2011: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EATON MI
Property Address	421 FOREST ST, CHARLOTTE, MI 48813-1234
Transaction Type	Mortgage
Record Updated	Jun 22, 2026
Title Company	MIDSTATE TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02329/0033
Date	Mar 9, 2011
Book Page	2329/0033

Lender

Name	ARBOR MORTGAGE CORP
Type	Lending Institution
Address	GRAND RAPIDS, MI 49546

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2041

December 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EATON MI
Recording Date	Dec 26, 2024
Property Address	421 FOREST ST, CHARLOTTE, MI 48813-1234
Document Number	003121/460
Book / Page	3121 / 460
Map Reference	LB 1 PG 71-B
Instrument Date	Dec 23, 2024
Transaction Type	Transfer
Record Updated	Jun 22, 2026
Title Company	GREATER LANSING T&E

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,567.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	421 FOREST ST, CHARLOTTE, MI 48813-1234

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	921 CLEVELAND ST, LANSING, MI 48906-5431

Mortgage

Document Number	0003121463
Date	Dec 26, 2024
Instrument	3121/463

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2055

August 2011: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EATON MI
Recording Date	Aug 16, 2011
Property Address	421 FOREST ST, CHARLOTTE, MI 48813-1234
Document Number	02350/0735
Book / Page	2350 / 0735
Map Reference	LB1 PG71-B
Instrument Date	Aug 16, 2011
Transaction Type	Transfer
Record Updated	Jun 22, 2026
Title Company	MIDSTATE CHARLOTTE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$928.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	421 FOREST ST, CHARLOTTE, MI 48813-1234

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	205 N OLIVER ST, CHARLOTTE, MI 48813-1528

Mortgage

Document Number	0023500736
Date	Aug 16, 2011
Instrument	2350/0736

Lender

Name	MICHIGAN STATE UNIVERSITY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2041

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		$130,700 (+37.15%)	$189,715 (-0.46%) Land $52,880 Building $136,835
2025	$6,383.00 (+109.48%)
2023		$95,300	$190,600
2022	$3,047.00

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.

Flood

Source: FEMA National Flood Hazard Layer, effective November 26, 2010 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; 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 97% of the US · lower than 93% 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 224 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

May also be available: Mercury Fiber.

Nearby Properties on Forest St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures