522 E Henry St, Charlotte, MI 48813 Property Records

Eaton County property record for 522 E Henry St, Charlotte, MI 48813

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,404 sqft · built 1910
Lot Size	0.21 acres (9,148 sqft)
Owner	Individual Name on Record
Last Sale	$78,000 (Jan 2018)
Tax Bill	$2,211 (2022)
Deeds & Mortgages	Nov 2023 Transfer Oct 2023 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`20007800204000`

Property Details

APN / Parcel Number

Primary APN	`20007800204000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,404 sqft Living Area
Basement Area	486 sqft

Exterior

Year Built	Built 1910
Exterior Material	Aluminum/Vinyl
Lot Area	9,148 sqft (0.21 acres)
Lot Dimensions	104 ft deep x 89 ft wide

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Account Number	20007800204000
Street Address	522 E HENRY ST
City	CHARLOTTE
State	MI
Zip	48813-1661
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	N/A
Legal Description	E 1/2 OF LOT 4 EXCEPT S 46 FEET. LOT 5 EXCEPT S 46 FEET. BLOCK 2. ROBINSON & SHERWOODS SUBDIVISION CITY OF CHARLOTTE
Legal Subdivision	ROBINSON SHERWOODS SUBDIVISION
Legal Block	2
Legal Lot Number	4-5
Jurisdiction	EATON MI
Township / Civil Division	CHARLOTTE
Census Block Group	4
Census Block	4002
Census Tract	20902

Owner

Source: Eaton County records, as of November 23, 2023

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	522 E HENRY ST, CHARLOTTE, MI 48813-1661
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 7, 2023	Intrafamily Transfer, Transfer
Oct 3, 2023	Deed of Trust, Mortgage · Line of Credit INDEPENDENT BANK
Mar 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage INDEPENDENT BANK
Jan 16, 2018	Warranty Deed, Transfer · Conventional Mortgage INDEPENDENT BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 16, 2018 · Amount on Record
Deed Sale	Jan 16, 2018 · Amount on Record
Prior Sale	Jan 16, 2018 · Amount on Record
Deed Document Number	2717/0868
Deed Book / Page	2717 / 0868
Last Transfer Date	Nov 7, 2023
Transfer Doc	003071/438
Record Updated	Jun 7, 2026

November 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	EATON MI
Recording Date	Nov 7, 2023
Property Address	522 E HENRY ST, CHARLOTTE, MI 48813-1661
Document Number	003071/438
Book / Page	3071 / 438
Map Reference	LB 1 PG 63A
Instrument Date	Nov 7, 2023
Transaction Type	Transfer
Record Updated	Nov 24, 2023

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	522 E HENRY ST, CHARLOTTE, MI 48813-1661

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EATON MI
Property Address	522 E HENRY ST, CHARLOTTE, MI 48813-1661
Transaction Type	Mortgage
Record Updated	Oct 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	522 E HENRY ST, CHARLOTTE, MI 48813-1661

Mortgage

Document Number	003067/393
Date	Oct 3, 2023
Book Page	3067/393

Lender

Name	INDEPENDENT BANK
Type	Bank
Address	GRAND RAPIDS, MI 49525

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EATON MI
Property Address	522 E HENRY ST, CHARLOTTE, MI 48813-1661
Transaction Type	Mortgage
Record Updated	Mar 17, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2909/734
Date	Mar 3, 2021
Book Page	2909/734

Lender

Name	INDEPENDENT BANK
Type	Bank
Address	GRAND RAPIDS, MI 49525

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Mar 1, 2041

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EATON MI
Recording Date	Jan 16, 2018
Property Address	522 E HENRY ST, CHARLOTTE, MI 48813-1661
Document Number	2717/0868
Book / Page	2717 / 0868
Map Reference	LB1 PG63A
Instrument Date	Jan 12, 2018
Instrument	2717-0868
Transaction Type	Transfer
Record Updated	Sep 7, 2021
Title Company	ATA NATIONAL TITLE GROUP LLC, ATA NATL TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$670.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	522 E HENRY ST, 522, CHARLOTTE, MI 48813-1661

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	312 E FILION RD, FILION, MI 48432-9734

Mortgage

Document Number	27170869
Date	Jan 16, 2018
Instrument	2717-0869

Lender

Name	INDEPENDENT BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2048

Tax Assessment & Valuation

Source: Eaton County assessment roll, as of March 1, 2023

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
2023		$66,600	$133,200
2022	$2,211.00

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	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.

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 200 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: AT&T, T-Mobile.

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