428 Hall St, Charlotte, MI 48813 Property Records

Eaton County property record for 428 Hall St, Charlotte, MI 48813

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,092 sqft · built 1900
Lot Size	0.19 acres (8,276 sqft)
Owner	Individual Name on Record
Last Sale	$125,000 (Jul 2021)
Tax Bill	$2,236 (2025)
Deeds & Mortgages	Jan 2024 Mortgage Jul 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20007760016800`

Property Details

APN / Parcel Number

Primary APN	`20007760016800`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,092 sqft Living Area
1st Floor Area	654 sqft
Basement Area	654 sqft
Unfinished Basement	654 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Aluminum/Vinyl
Lot Area	8,276 sqft (0.19 acres)
Lot Dimensions	130 ft deep x 81.9 ft wide
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	428 HALL ST
City	CHARLOTTE
State	MI
Zip	48813-1110
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	N/A
Legal Description	COM 6 RODS 4 FT 8 INCHES W OF NE COR OF LOT 16, W 7 RODS 1 FT 5.5 INCHES, S TO S LINE LOT 16, E 7 RODS 1 FT 5.5 INCHES, N TO BEG EXCEPT E 35 FT & ALSO EXCEPT N 30 FT FOR STREET. ROBINSON'S ADDITION, CITY OF CHARLOTTE 1991
Legal Subdivision	FT FOR STREET ROBINSONS ADD
Legal Lot Number	16
Jurisdiction	EATON MI
Township / Civil Division	CHARLOTTE
Census Block Group	3
Census Block	3015
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	428 HALL ST, CHARLOTTE, MI 48813-1110
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 3, 2024	Deed of Trust, Mortgage · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC
Jul 6, 2021	Warranty Deed, Transfer · FHA Mortgage UNION HOME MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 6, 2021 · Amount on Record
Deed Sale	Jul 6, 2021 · Amount on Record
Prior Sale	May 15, 2003 · Amount on Record
Deed Book / Page	2938 / 981
Record Updated	Oct 29, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EATON MI
Property Address	428 HALL ST, CHARLOTTE, MI 48813-1110
Transaction Type	Mortgage
Record Updated	Jan 17, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4228 HALL STREET, CHARLOTTE, MI 48813

Mortgage

Document Number	003077/449
Date	Jan 3, 2024
Book Page	3077/449

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company
Address	ANAHEIM, CA 92806

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	331 Months
Due	Aug 1, 2051

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EATON MI
Recording Date	Jul 6, 2021
Property Address	428 HALL ST, CHARLOTTE, MI 48813-1110
Document Number	002938/981
Book / Page	2938 / 981
Map Reference	LB 1 PG 75
Instrument Date	Jul 2, 2021
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	$1,075.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3248 MULLIKEN RD, 3248, CHARLOTTE, MI 48813-8809

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	428 HALL ST, CHARLOTTE, MI 48813-1110

Mortgage

Document Number	0002938983
Date	Jul 6, 2021
Instrument	2938/983

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

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		$62,400 (+27.87%)	$121,672 (+24.66%) Land $31,541 Building $90,131
2025	$2,236.00 (+15.68%)
2023		$48,800	$97,600
2022	$1,933.00

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 99.1% of the US · lower than 98.4% 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 145 locations within half a mile, as of December 31, 2025

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 Fiber.

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