446 N Sheldon St, Charlotte, MI 48813 Property Records

Eaton County property record for 446 N Sheldon St, Charlotte, MI 48813

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,822 sqft · built 1890
Lot Size	0.67 acres (29,185 sqft)
Owner	Individual Name on Record
Last Sale	$157,000 (Sep 2022)
Tax Bill	$3,286 (2025)
Deeds & Mortgages	Sep 2022 Sale & Mortgage May 2019 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20006661301000`

Property Details

APN / Parcel Number

Primary APN	`20006661301000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,822 sqft Living Area
1st Floor Area	1,126 sqft
Basement Area	696 sqft
Unfinished Basement	696 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Exterior Material	Aluminum/Vinyl
Lot Area	29,185 sqft (0.67 acres)
Lot Dimensions	270 ft deep x 99 ft wide
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace

Location & Zoning

Street Address	446 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	THAT PART OF LOT 13 LYING W OF G.T.W.R.R. MCCLURE'S ADDITION, CITY OF CHARLOTTE
Legal Subdivision	LYING W OF GTWRR MCCLURES ADD
Legal Lot Number	13
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

Source: Eaton County records, as of October 22, 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 Record
Mailing Address	446 N SHELDON ST, CHARLOTTE, MI 48813-1225
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 21, 2022	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
May 31, 2019	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Jan 17, 2020	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE 1 INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 21, 2022 · Amount on Record
Deed Sale	Sep 21, 2022 · Amount on Record
Prior Sale	Jan 17, 2020 · Amount on Record
Deed Book / Page	3021 / 1081
Record Updated	Oct 29, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EATON MI
Recording Date	Sep 21, 2022
Property Address	446 N SHELDON ST, CHARLOTTE, MI 48813-1225
Document Number	03021/1081
Book / Page	3021 / 1081
Instrument Date	Sep 15, 2022
Transaction Type	Transfer
Record Updated	Sep 30, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,177.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	446 N SHELDON ST, 446, CHARLOTTE, MI 48813-1225

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	321 PRAIRIE ST, CHARLOTTE, MI 48813-1639

Mortgage

Document Number	0030211083
Date	Sep 21, 2022
Instrument	3021-1083

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2052

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EATON MI
Property Address	446 N SHELDON ST, CHARLOTTE, MI 48813-1225
Transaction Type	Mortgage
Record Updated	May 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02786/0996
Date	May 31, 2019
Book Page	2786/0996

Lender

Name	PNC BANK NA
Type	Bank
Address	EATON RAPIDS, MI 48827

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EATON MI
Recording Date	Jan 17, 2020
Property Address	446 N SHELDON ST, CHARLOTTE, MI 48813-1225
Document Number	02824/0397
Book / Page	2824 / 0397
Instrument Date	Jan 15, 2020
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	ATA NATIONAL TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$885.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	109 WESTRIDGE AVE, 109, OLIVET, MI 49076-9432

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6065 AMBERTON DR, JACKSON, MI 49201-8536

Mortgage

Document Number	0002824398
Date	Jan 17, 2020
Instrument	2824/398

Lender

Name	MORTGAGE 1 INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2050

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		$76,900 (+25.24%)	$147,231 (+19.89%) Land $48,827 Building $98,404
2025	$3,286.00 (+29.88%)
2023		$61,400	$122,800
2022	$2,530.00

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	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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