5658 S Cochran Rd, Charlotte, MI 48813 Property Records

Eaton County property record for 5658 S Cochran Rd, Charlotte, MI 48813

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,714 sqft · built 1900
Lot Size	1.09 acres (47,480 sqft)
Owner	Individual Name on File
Last Sale	$110,000 (Dec 2019)
Tax Bill	$1,900 (2022)
Deeds & Mortgages	Aug 2022 Mortgage Dec 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14001240005001`

Property Details

APN / Parcel Number

Primary APN	`14001240005001`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	1,714 sqft Living Area
1st Floor Area	1,324 sqft
Basement Area	1,324 sqft
Unfinished Basement	1,324 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Wood Siding
Lot Area	47,480 sqft (1.09 acres)
Total Buildings	3 Buildings

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	5658 S COCHRAN RD
City	CHARLOTTE
State	MI
Zip	48813-9183
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LA
Legal Description	COM 200 FT N OF SE COR OF NE 1/4 OF SE 1/4, N 280 FT, W 170 FT, S 280 FT, E 170 FT TO BEG. SEC 12, T1N, R5W, WALTON TWP 8-11-99 (COMBINATION) PA 116 OF 1974, 10 YRS ENDING 12-31-2008
Legal Range	05W
Legal Township	01N
Legal Section	12
Jurisdiction	EATON MI
Township / Civil Division	WALTON
Census Block Group	2
Census Block	2017
Census Tract	21100

Owner

5658 S Cochran Rd is owned and occupied by an individual who bought it in December 2019.

Source: Eaton County records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	5658 S COCHRAN RD, CHARLOTTE, MI 48813-9183
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.

Deeds, Mortgages & Sale History

Date	Document
Aug 22, 2022	Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC
Dec 20, 2019	Warranty Deed, Transfer · FHA Mortgage EVERETT FINANCIAL INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 20, 2019 · Amount on File
Deed Sale	Dec 20, 2019 · Amount on File
Deed Book / Page	2820 / 106
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EATON MI
Property Address	5658 S COCHRAN RD, CHARLOTTE, MI 48813-9183
Transaction Type	Mortgage
Record Updated	Aug 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5658 S COCHRAN RD, CHARLOTTE, MI 48813-9183

Mortgage

Document Number	003017/980
Date	Aug 22, 2022
Book Page	3017/980

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2052

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EATON MI
Recording Date	Dec 20, 2019
Property Address	5658 S COCHRAN RD, CHARLOTTE, MI 48813-9183
Document Number	02820/0106
Book / Page	2820 / 0106
Instrument Date	Dec 16, 2019
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	ATA NATIONAL TITLE GROUP LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$946.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5658 S COCHRAN RD, 5658, CHARLOTTE, MI 48813-9183

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4997 LAKESIDE DR, OLIVET, MI 49076-8707

Mortgage

Document Number	0002820108
Date	Dec 20, 2019
Instrument	2820/108

Lender

Name	EVERETT FINANCIAL INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2050

Tax Assessment & Valuation

Source: Eaton County assessment roll, as of August 17, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Eaton County
County Subdivision	Walton Township
Unified School District	Olivet Community Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$85,989	$164,443 Land $15,412 Building $149,031
2023		$69,899	$139,798
2022	$1,900.00

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

Flood

FEMA maps place 5658 S Cochran Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2008.

Source: FEMA National Flood Hazard Layer, effective November 26, 2010 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2008)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2008 · other causes

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

The area around 5658 S Cochran Rd 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 8 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
Mercury Fiber Fixed Wireless	150 / 20
T-Mobile Fixed Wireless	25 / 3

Cell Coverage

5G (outdoors only) and 4G LTE

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