Eaton County property record for 526 Emerald Dr, Charlotte, MI 48813
| Property Type | Condominium |
|---|---|
| Details | 2 bd · 2 ba · 1,135 sqft · built 1998 |
| Lot Size | 0.04 acres (1,764 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $175,000 (Dec 2020) |
| Tax Bill | $4,737 (2025) |
| Deeds & Mortgages | Feb 2024 Mortgage Dec 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 20004700001400 |
| Primary APN | 20004700001400 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Building Area | 1,135 sqft Living Area |
| 1st Floor Area | 1,135 sqft |
| Basement Area | 1,135 sqft |
| Unfinished Basement | 1,135 sqft |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Architectural Style | Condo/Apartment |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 1,764 sqft |
| Garage Area | 440 sqft |
| Porch | Covered Porch |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 526 EMERALD DR |
|---|---|
| City | CHARLOTTE |
| State | MI |
| Zip | 48813-9017 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Local Zoning Code | N/A |
| Legal Description | UNIT 14. EMERALD ISLE CONDO, SEC. 24, T2N,R5W, CITY OF CHARLOTTE. 1996 |
| Legal Range | 05W |
| Legal Township | 02N |
| Legal Section | 24 |
| Legal Subdivision | EMERALD ISLE CONDO |
| Legal Unit | 14 |
| Jurisdiction | EATON MI |
| Township / Civil Division | CHARLOTTE |
| Census Block Group | 1 |
| Census Block | 1033 |
| Census Tract | 20902 |
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 Record |
|---|---|
| Mailing Address | 526 EMERALD DR, CHARLOTTE, MI 48813-9017 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 5, 2024 | Deed of Trust, Mortgage LAFCU |
| Dec 30, 2020 | Warranty Deed, Transfer · Conventional Mortgage UNION HOME MORTGAGE CORP |
| Oct 1, 2019 | Intrafamily Transfer, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 30, 2020 · Amount on Record |
| Deed Sale | Dec 30, 2020 · Amount on Record |
| Prior Sale | May 9, 2011 · Amount on Record |
| Deed Book / Page | 2894 / 603 |
| Prior Transfer Date | Sep 25, 2019 |
| Prior Transfer Doc | 2805/0911 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EATON MI |
| Property Address | 526 EMERALD DR, CHARLOTTE, MI 48813-9017 |
| Transaction Type | Mortgage |
| Record Updated | Feb 21, 2024 |
| Name | Verified Name |
|---|---|
| Address | 526 EMERALD DR, CHARLOTTE, MI 48813-9017 |
| Document Number | 003080/950 |
|---|---|
| Date | Feb 5, 2024 |
| Book Page | 3080/950 |
| Name | LAFCU |
|---|---|
| Type | Credit Union |
| Address | LANSING, MI 48917 |
| Amount | Amount Recorded |
|---|---|
| Term | 180 Months |
| Due | Feb 10, 2039 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | EATON MI |
| Recording Date | Dec 30, 2020 |
| Property Address | 526 EMERALD DR, CHARLOTTE, MI 48813-9017 |
| Document Number | 002894/603 |
| Book / Page | 2894 / 603 |
| Map Reference | LB 1058 PG 864 |
| Instrument Date | Dec 17, 2020 |
| Transaction Type | Transfer |
| Record Updated | May 3, 2022 |
| Title Company | ATA NATIONAL TITLE GROUP LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,505.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 723, CHARLOTTE, MI 48813-0723 |
| Name | Verified Name |
|---|---|
| Address | 258 LEGACY PARK DR APT 3, 3, CHARLOTTE, MI 48813-1354 |
| Document Number | 0002894605 |
|---|---|
| Date | Dec 30, 2020 |
| Instrument | 2894/605 |
| Name | UNION HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2051 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | EATON MI |
| Recording Date | Oct 1, 2019 |
| Property Address | 526 EMERALD DR, CHARLOTTE, MI 48813-9017 |
| Document Number | 2805/0911 |
| Book / Page | 2805 / 0911 |
| Instrument Date | Sep 25, 2019 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 526 EMERALD DR, CHARLOTTE, MI 48813-9017 |
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 | $115,300 (+6.07%) | $217,431 (-) Land $38,553 Building $178,878 | |
| 2025 | $4,737.00 (+2.91%) Homeowner's exemption | $108,700 (+14.78%) | $217,431 (+14.8%) Land $38,553 Building $178,878 |
| 2024 | $4,603.00 (+11.89%) | ||
| 2023 | $94,700 | $189,400 | |
| 2022 | $4,114.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 340 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| ACD.net Fiber | 10,000 / 10,000 |
| Xfinity Cable | 2,000 / 250 |
| WOW Internet, Cable & Phone Cable | 1,200 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| Mercury Fiber Fixed Wireless | 150 / 20 |
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