440 N Sheldon St, Charlotte, MI 48813 Property Records

Eaton County property record for 440 N Sheldon St, Charlotte, MI 48813

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,091 sqft · built 1900
Lot Size	0.51 acres (22,216 sqft)
Owner	Individual Name on File
Last Sale	$85,000 (Oct 2017)
Tax Bill	$1,915 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Oct 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20006661401000`

Property Details

APN / Parcel Number

Primary APN	`20006661401000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,091 sqft Living Area
1st Floor Area	803 sqft
Basement Area	384 sqft
Unfinished Basement	384 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Aluminum/Vinyl
Lot Area	22,216 sqft (0.51 acres)
Lot Dimensions	208 ft deep x 99 ft wide
Garage Area	308 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	440 N SHELDON ST
City	CHARLOTTE
State	MI
Zip	48813-1225
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	N/A
Legal Description	LOT 14 LYING W OF G.T. W.R.R. MCCLURE'S ADDITION CITY OF CHARLOTTE
Legal Subdivision	LYING W OF GT WRR MCCLURES ADD
Legal Lot Number	14
Jurisdiction	EATON MI
Township / Civil Division	CHARLOTTE
Census Block Group	1
Census Block	1011
Census Tract	20901

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Charlotte Central Historic District listed 2020 · 308 contributing resources · NRIS 100002684

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

440 N Sheldon St is owned and occupied by an individual who bought it in October 2017.

Source: Eaton County records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	440 N SHELDON ST, CHARLOTTE, MI 48813-1225
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 9, 2021	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Oct 26, 2017	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 26, 2017 · Amount on File
Deed Sale	Oct 26, 2017 · Amount on File
Prior Sale	Jan 21, 2014 · Amount on File
Deed Document Number	20172706-0095
Deed Book / Page	2706 / 95
Prior Transfer Date	May 31, 2016
Prior Transfer Doc	2625/1042
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EATON MI
Property Address	440 N SHELDON ST, CHARLOTTE, MI 48813-1225
Transaction Type	Mortgage
Record Updated	Sep 24, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	440 N SHELDON ST, CHARLOTTE, MI 48813-1225

Mortgage

Document Number	2953/1294
Date	Sep 9, 2021
Book Page	2953/1294

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2051

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EATON MI
Recording Date	Oct 26, 2017
Property Address	440 N SHELDON ST, CHARLOTTE, MI 48813-1225
Document Number	2706/0095
Book / Page	2706 / 0095
Map Reference	LB1 PG71-B
Instrument Date	Oct 24, 2017
Instrument	2706-0095
Transaction Type	Transfer
Record Updated	Sep 7, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$731.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	440 N SHELDON ST, 440, CHARLOTTE, MI 48813-1225

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	611 W SEMINARY ST, CHARLOTTE, MI 48813-1883

Mortgage

Document Number	27060096
Date	Oct 26, 2017
Instrument	2706-0096

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 440 N Sheldon St was $1,915 with a homeowner's exemption, up 2.9% from the year before.

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		$66,900 (+3.56%)	$129,294 (-) Land $42,402 Building $86,892
2025	$1,915.00 (+2.9%) Homeowner's exemption	$64,600	$129,294 Land $42,402 Building $86,892
2024	$1,861.00
2023		$51,900	$103,800
2022	$2,645.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 440 N Sheldon St in Zone X, an area of minimal flood risk.

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

The area around 440 N Sheldon St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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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