446 Forest St, Charlotte, MI 48813 Property Records

Eaton County property record for 446 Forest St, Charlotte, MI 48813

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 990 sqft · built 1900
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on File
Tax Bill	$1,651 (2025)
Deeds & Mortgages	Jan 2006 Line of Credit Nov 2025 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`20006460017000`

Property Details

APN / Parcel Number

Primary APN	`20006460017000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	990 sqft Living Area
1st Floor Area	798 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	8,712 sqft (0.2 acres)
Lot Dimensions	135 ft deep x 66 ft wide
Garage Area	440 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace

Location & Zoning

Street Address	446 FOREST ST
City	CHARLOTTE
State	MI
Zip	48813-1235
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	N/A
Legal Description	LOT 17. LORING'S SUBDIVISION OF MCCLURE'S ADDITION. CITY OF CHARLOTTE
Legal Subdivision	LORINGS SUBDIVISION
Legal Lot Number	17
Jurisdiction	EATON MI
Township / Civil Division	CHARLOTTE
Census Block Group	1
Census Block	1013
Census Tract	20901

Owner

446 Forest St is owned and occupied by an individual who acquired it in November 2025.

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

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

Owner of Record	Individual Name on File
Mailing Address	446 FOREST ST, CHARLOTTE, MI 48813-1235
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 4, 2006	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK WESTERN MICHIGAN
Nov 20, 2025	Intrafamily Transfer, Transfer · Conventional Mortgage CHOICEONE BANK
Sep 22, 2025	Intrafamily Transfer, Transfer
Apr 16, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Nov 17, 2025
Transfer Doc	003166/238
Record Updated	Oct 29, 2026

January 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EATON MI
Property Address	446 FOREST ST, CHARLOTTE, MI 48813-1235
Transaction Type	Mortgage
Record Updated	Jun 22, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	01999/0818
Date	Jan 4, 2006
Book Page	1999/0818

Lender

Name	FIFTH THIRD BANK WESTERN MICHIGAN
Type	Bank
Address	1850 E PARIS AVE SE, GRAND RAPIDS, MI 49546

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Change Frequency	Monthly

November 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	EATON MI
Recording Date	Nov 20, 2025
Property Address	446 FOREST ST, CHARLOTTE, MI 48813-1235
Document Number	003166/238
Book / Page	3166 / 238
Map Reference	LB 1 PG 17
Instrument Date	Nov 17, 2025
Transaction Type	Transfer
Record Updated	Jun 22, 2026
Title Company	TRANSNATION TITLE INSURANCE COMPANY, TRANSNATION TITLE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1665 GIDNER RD, CHARLOTTE, MI 48813-8794

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	446 FOREST ST, CHARLOTTE, MI 48813-1235

Mortgage

Document Number	0003166240
Date	Nov 20, 2025
Instrument	3166/240

Lender

Name	CHOICEONE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.87%
Adjustable	Adjustable Rate Rider
Type Change Date	Dec 1, 2030
Change Frequency	Annually
Min Rate At Change	3.87%
Max Rate At Change	7.87%
Index	1-Year CMT
Max Rate	10.8%

September 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	EATON MI
Recording Date	Sep 22, 2025
Property Address	446 FOREST ST, CHARLOTTE, MI 48813-1235
Document Number	003156/251
Book / Page	3156 / 251
Instrument Date	Sep 2, 2025
Transaction Type	Transfer
Record Updated	Jun 22, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1665 GIDNER RD, CHARLOTTE, MI 48813-8794

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	EATON MI
Recording Date	Apr 16, 2021
Property Address	446 FOREST ST, CHARLOTTE, MI 48813-1235
Document Number	002920/214
Book / Page	2920 / 214
Instrument Date	Feb 24, 2006
Transaction Type	Transfer
Record Updated	Jun 22, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	446 FOREST ST, CHARLOTTE, MI 48813-1235

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		$62,500 (+19.73%)	$104,320 (-) Land $29,822 Building $74,498
2025	$1,651.00 (+2.93%)	$52,200 (+9.66%)	$104,320 (+9.58%) Land $29,822 Building $74,498
2024	$1,604.00 (+11.39%)
2023		$47,600	$95,200
2022	$1,440.00

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

Flood

FEMA maps place 446 Forest 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

Wildfire risk around 446 Forest St is low, with less than a 0.01% annual chance of 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