Eaton County property record for 464 Horatio St, Charlotte, MI 48813
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,260 sqft · built 1920 |
| Lot Size | 0.1 acres (4,356 sqft) |
| Owner | Individual Name on File |
| Last Sale | $81,000 (Jan 2014) |
| Tax Bill | $2,773 (2025) |
| Deeds & Mortgages | Jan 2014 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 20006360102000 |
| Primary APN | 20006360102000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,260 sqft Living Area |
| 1st Floor Area | 720 sqft |
| Basement Area | 720 sqft |
| Unfinished Basement | 720 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 4,356 sqft (0.1 acres) |
| Lot Dimensions | 75.1 ft deep x 57 ft wide |
| Garage Area | 240 sqft |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 464 HORATIO ST |
|---|---|
| City | CHARLOTTE |
| State | MI |
| Zip | 48813-1916 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | N/A |
| Legal Description | N 57 FEET OF LOT 2. N 57 FEET OF W 1 ROD OF LOT 3. BLOCK 1. LINCOLN PARK ADDITION CITY OF CHARLOTTE |
| Legal Subdivision | LINCOLN PARK ADDITION |
| Legal Block | 1 |
| Legal Lot Number | 2-3 |
| Jurisdiction | EATON MI |
| Township / Civil Division | CHARLOTTE |
| Census Block Group | 4 |
| Census Block | 4005 |
| Census Tract | 20902 |
464 Horatio St is owned and occupied by an individual who bought it in January 2014.
Source: Eaton County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 464 HORATIO ST, CHARLOTTE, MI 48813-1916 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 29, 2014 · Amount on File |
| Deed Sale | Jan 29, 2014 · Amount on File |
| Prior Sale | Aug 11, 2003 · Amount on File |
| Deed Book / Page | 2504 / 625 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | EATON MI |
| Recording Date | Jan 29, 2014 |
| Property Address | 464 HORATIO ST, CHARLOTTE, MI 48813-1916 |
| Document Number | 02504/0625 |
| Book / Page | 2504 / 0625 |
| Map Reference | LB1 PG88 |
| Instrument Date | Jan 24, 2014 |
| Transaction Type | Transfer |
| Record Updated | Jun 22, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $696.60 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 464 HORATIO ST, CHARLOTTE, MI 48813-1916 |
| Name | Verified Name |
|---|---|
| Address | 2101 BOSTON CT, POTTERVILLE, MI 48876-9525 |
| Document Number | 0025040629 |
|---|---|
| Date | Jan 29, 2014 |
| Instrument | 2504/0629 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2044 |
The 2025 property tax bill for 464 Horatio St was $2,773.
Source: Eaton County assessment roll, as of August 17, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Eaton County |
| Municipality | Charlotte City |
| Unified School District | Charlotte Public Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $61,400 | $119,825 Land $20,532 Building $99,293 | |
| 2025 | $2,773.00 | ||
| 2023 | $55,200 | $110,400 | |
| 2022 | $1,762.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 464 Horatio St in Zone X, an area of minimal flood risk.
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 risk around 464 Horatio St is low, with 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 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 539 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: ACD.net, AT&T, T-Mobile.
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