423 E Henry St, Charlotte, MI 48813 Property Records

Eaton County property record for 423 E Henry St, Charlotte, MI 48813

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,406 sqft · built 1895
Lot Size	0.13 acres (5,663 sqft)
Owner	2 Individual Names on Record
Last Sale	$201,000 (Mar 2025)
Tax Bill	$3,241 (2025)
Deeds & Mortgages	Jan 2026 Mortgage Aug 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20007360001500`

Property Details

APN / Parcel Number

Primary APN	`20007360001500`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,406 sqft Living Area
1st Floor Area	830 sqft
Basement Area	648 sqft
Unfinished Basement	648 sqft

Exterior

Year Built	Built 1895
Effective Year Built	Effective 2002
Exterior Material	Aluminum/Vinyl
Lot Area	5,663 sqft (0.13 acres)
Lot Dimensions	80 ft deep x 69 ft wide
Porch	Porch
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	423 E HENRY ST
City	CHARLOTTE
State	MI
Zip	48813-1658
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	N/A
Legal Description	S 1/2 OF LOT 1. H. F. PENNINGTON'S SUBDIVISION OF LOTS 24, 25 AND THE EAST 41 1/2 FT OF LOT 26 LAWRENCES ADDITION OF OUT LOTS. CITY OF CHARLOTTE
Legal Subdivision	LAWRENCES ADDITION
Legal Lot Number	1,24-26
Jurisdiction	EATON MI
Township / Civil Division	CHARLOTTE
Census Block Group	4
Census Block	4020
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	2 Individual Names on Record
Mailing Address	708 BLUE LAGOON DR, LANSING, MI 48917-9650
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jan 22, 2026	Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Aug 19, 2022	Warranty Deed, Transfer · FHA Mortgage UNION HOME MORTGAGE CORP
May 9, 2019	Warranty Deed, Transfer · Conventional Mortgage MICHIGAN STATE UNIVERSITY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 26, 2025 · Amount on Record
Deed Sale	Mar 26, 2025 · Amount on Record
Prior Sale	Aug 19, 2022 · Amount on Record
Deed Book / Page	3131 / 897
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EATON MI
Property Address	423 E HENRY ST, CHARLOTTE, MI 48813-1658
Transaction Type	Mortgage
Record Updated	Feb 4, 2026
Title Company	BOSTON NATIONAL TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	423 E HENRY ST, CHARLOTTE, MI 48813-1658

Mortgage

Document Number	03174/1264
Date	Jan 22, 2026
Book Page	3174/1264

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EATON MI
Recording Date	Aug 19, 2022
Property Address	423 E HENRY ST, CHARLOTTE, MI 48813-1658
Document Number	003017/862
Book / Page	3017 / 862
Map Reference	LB 1 PG 62
Instrument Date	Aug 18, 2022
Transaction Type	Transfer
Record Updated	Aug 29, 2022
Title Company	DIVERSIFIED NATIONAL TITLE AGENCY, DIVERSIFIED NATL TTL AGCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,241.25
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	423 E HENRY ST, 423, CHARLOTTE, MI 48813-1658

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5425 BENJAMIN DR, CHARLOTTE, MI 48813-7329

Mortgage

Document Number	0030170864
Date	Aug 19, 2022
Instrument	3017-0864

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EATON MI
Recording Date	May 9, 2019
Property Address	423 E HENRY ST, CHARLOTTE, MI 48813-1658
Document Number	02783/0478
Book / Page	2783 / 0478
Map Reference	LB 1 PG 62
Instrument Date	May 3, 2019
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	ATA NATIONAL TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$946.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	423 E HENRY ST, 423, CHARLOTTE, MI 48813-1658

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	101 W BRUNSWICK DR APT 26, 26, DEWITT, MI 48820-9178

Mortgage

Document Number	0002783479
Date	May 9, 2019
Instrument	2783/479

Lender

Name	MICHIGAN STATE UNIVERSITY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2049

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		$73,300 (+20.16%)	$140,158 (+14.88%) Land $30,856 Building $109,302
2025	$3,241.00 (+34.48%)
2023		$61,000	$122,000
2022	$2,410.00

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

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 200 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
Mercury Fiber Fixed Wireless	150 / 20

May also be available: AT&T, T-Mobile.

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