518 S Sheldon St, Charlotte, MI 48813 Property Records

Eaton County property record for 518 S Sheldon St, Charlotte, MI 48813

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,413 sqft · built 1862
Lot Size	0.31 acres (13,504 sqft)
Owner	Individual Name on Record
Last Sale	$165,000 (Oct 2026)
Tax Bill	$4,235 (2025)
Deeds & Mortgages	Oct 2026 Sale & Mortgage Sep 2025 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`20008680203000`

Property Details

APN / Parcel Number

Primary APN	`20008680203000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,413 sqft Living Area
1st Floor Area	1,045 sqft
Basement Area	1,045 sqft
Unfinished Basement	1,045 sqft

Exterior

Year Built	Built 1862
Effective Year Built	Effective 1862
Exterior Material	Aluminum/Vinyl
Lot Area	13,504 sqft (0.31 acres)
Lot Dimensions	199 ft deep x 70 ft wide
Garage Area	640 sqft
Porch	Porch
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	518 S SHELDON ST
City	CHARLOTTE
State	MI
Zip	48813-1846
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	N/A
Legal Description	LOT 3. & THAT PORTION OF VACATED ALLEY ON W. BLK 2. WHITE'S ADDITION, CITY OF CHARLOTTE
Legal Subdivision	WHITES ADD
Legal Block	2
Legal Lot Number	3
Jurisdiction	EATON MI
Township / Civil Division	CHARLOTTE
Census Block Group	2
Census Block	2017
Census Tract	20902

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	4448 COLE HWY, CHARLOTTE, MI 48813-9543
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
Oct 5, 2026	Warranty Deed, Transfer · Conventional Mortgage VAN DYK MORTGAGE
Sep 15, 2025	Deed of Trust, Mortgage · FHA Mortgage UNION HOME MORTGAGE CORP
Dec 27, 2022	Warranty Deed, Transfer · Conventional Mortgage UNION HOME MORTGAGE CORP
Apr 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage CARRINGTON MORTGAGE SERVICES LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 5, 2026 · Amount on Record
Deed Sale	Oct 5, 2026 · Amount on Record
Prior Sale	Dec 27, 2022 · Amount on Record
Deed Document Number	20264778
Deed Book / Page	3214 / 1197
Prior Transfer Date	Jan 24, 2003
Prior Transfer Doc	1623000629
Record Updated	Oct 29, 2026

October 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EATON MI
Recording Date	Oct 5, 2026
Property Address	518 S SHELDON ST, CHARLOTTE, MI 48813-1846
Document Number	0000004778
Book / Page	3214 / 1197
Instrument Date	Oct 5, 2026
Instrument	20264778
Transaction Type	Transfer
Record Updated	Oct 16, 2026
Title Company	K K TITLE AND ESCROW, GREATER LANSING TITLE & ESCROW

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$143,319.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	4448 COLE HWY, CHARLOTTE, MI 48813-9543

Mortgage

Document Number	0000004940,
Date	Oct 5, 2026
Book Page	3215/573
Instrument	20264940

Lender

Name	VAN DYK MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EATON MI
Property Address	518 S SHELDON ST, CHARLOTTE, MI 48813-1846
Transaction Type	Mortgage
Record Updated	Sep 29, 2025
Title Company	MUTUAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	518 S SHELDON ST, CHARLOTTE, MI 48813-1846

Mortgage

Document Number	003155/143
Date	Sep 15, 2025
Book Page	3155/143

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company
Address	STRONGSVILLE, OH 44136

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EATON MI
Recording Date	Dec 27, 2022
Property Address	518 S SHELDON ST, CHARLOTTE, MI 48813-1846
Document Number	03033/1190
Book / Page	3033 / 1190
Map Reference	LB 1 PG 76
Instrument Date	Dec 7, 2022
Transaction Type	Transfer
Record Updated	Jan 6, 2023
Title Company	ATA NATIONAL TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,050.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	518 S SHELDON ST, CHARLOTTE, MI 48813-1846

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	105 CORONA, CHARLOTTE, MI 48813-8425

Mortgage

Document Number	0030331192
Date	Dec 27, 2022
Instrument	3033-1192

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2053

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EATON MI
Property Address	518 S SHELDON ST, CHARLOTTE, MI 48813-1846
Transaction Type	Mortgage
Record Updated	May 13, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2839/1077
Date	Apr 22, 2020
Book Page	2839/1077

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 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		$89,100 (+11.79%)	$174,382 (+9.4%) Land $39,135 Building $135,247
2025	$4,235.00 (+64.91%)
2023		$79,700	$159,400
2022	$2,568.00

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

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	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 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.

Cell Coverage

5G (outdoors only) and 4G LTE

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