540 S Sheldon St, Charlotte, MI 48813 Property Records

Eaton County property record for 540 S Sheldon St, Charlotte, MI 48813

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,220 sqft · built 1887
Lot Size	0.22 acres (9,583 sqft)
Owner	2 Individual Names on File
Last Sale	$132,000 (Aug 2023)
Tax Bill	$3,269 (2025)
Deeds & Mortgages	Aug 2023 Sale & Mortgage Nov 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20005680026000`

Property Details

APN / Parcel Number

Primary APN	`20005680026000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,220 sqft Living Area
1st Floor Area	1,004 sqft
Basement Area	972 sqft
Unfinished Basement	972 sqft

Exterior

Year Built	Built 1887
Effective Year Built	Effective 1887
Exterior Material	Aluminum/Vinyl
Lot Area	9,583 sqft (0.22 acres)
Lot Dimensions	165 ft deep x 57.2 ft wide
Garage Area	400 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	540 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	E 1/2 OF LOT 26. S. P. JONES' ADDITION CITY OF CHARLOTTE
Legal Subdivision	S P JONES ADD
Legal Lot Number	26
Jurisdiction	EATON MI
Township / Civil Division	CHARLOTTE
Census Block Group	2
Census Block	2017
Census Tract	20902

Owner

540 S Sheldon St is owned and occupied by two individuals who bought it in August 2023.

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	2 Individual Names on File
Mailing Address	540 S SHELDON ST, CHARLOTTE, MI 48813-1846
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 16, 2023	Warranty Deed, Transfer · USDA Mortgage UNION HOME MORTGAGE CORP
Nov 22, 2019	Warranty Deed, Transfer · Conventional Mortgage UNION HOME MORTGAGE CORP
Nov 22, 2019	Warranty Deed, Transfer · Conventional Mortgage UNION HOME MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 16, 2023 · Amount on File
Deed Sale	Aug 16, 2023 · Amount on File
Prior Sale	Nov 22, 2019 · Amount on File
Deed Book / Page	3061 / 78
Record Updated	Oct 29, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EATON MI
Recording Date	Aug 16, 2023
Property Address	540 S SHELDON ST, CHARLOTTE, MI 48813-1846
Document Number	0003061/78
Book / Page	3061 / 78
Map Reference	LB 1 PG 69B
Instrument Date	Aug 11, 2023
Transaction Type	Transfer
Record Updated	Aug 31, 2023
Title Company	DIVERSIFIED NATIONAL TITLE AGENCY, DIVERSIFIED NATL TTL AGCY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$990.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	540 S SHELDON ST, CHARLOTTE, MI 48813-1846

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	912 CLARK ST, LANSING, MI 48906-5425

Mortgage

Document Number	0030610080
Date	Aug 16, 2023
Instrument	3061-0080

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	USDA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2053

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EATON MI
Recording Date	Nov 22, 2019
Property Address	540 S SHELDON ST, CHARLOTTE, MI 48813-1846
Document Number	02815/0698
Book / Page	2815 / 0698
Map Reference	LB 1 PG 69-B
Instrument Date	Oct 22, 2019
Transaction Type	Transfer
Record Updated	May 3, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$903.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	540 S SHELDON ST, 540, CHARLOTTE, MI 48813-1846

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	540 S SHELDON ST, CHARLOTTE, MI 48813-1846

Mortgage

Document Number	0002815700
Date	Nov 22, 2019
Instrument	2815/700

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2049

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EATON MI
Recording Date	Nov 22, 2019
Property Address	540 S SHELDON ST, CHARLOTTE, MI 48813-1846
Document Number	02815/0698
Book / Page	2815 / 0698
Map Reference	LB 1 PG 69-B
Instrument Date	Oct 22, 2019
Transaction Type	Transfer
Record Updated	May 3, 2022

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$903.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	540 S SHELDON ST, 540, CHARLOTTE, MI 48813-1846

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	540 S SHELDON ST, CHARLOTTE, MI 48813-1846

Mortgage

Document Number	0002815700
Date	Nov 22, 2019
Instrument	2815/700

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2049

Mortgage

Document Number	02815/0712
Date	Nov 22, 2019
Book Page	2815/0712

Lender

Name	MICHIGAN STATE HOUSING DEV AUTHORITY
Type	Government Agency
Address	LANSING, MI 48912

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 540 S Sheldon St was $3,269 with a homeowner's exemption.

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		$68,700	$133,127 Land $32,549 Building $100,578
2025	$3,269.00
2023		$60,800	$121,600
2022	$2,246.00

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

FEMA maps place 540 S Sheldon 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

The area around 540 S Sheldon St has no burnable land within ember reach, so its wildfire risk is not rated.

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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