615 Forest St, Charlotte, MI 48813 Property Records

Eaton County property record for 615 Forest St, Charlotte, MI 48813

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,217 sqft · built 1910
Lot Size	1.23 acres (53,579 sqft)
Owner	Individual Name on File
Last Sale	$80,000 (Sep 2015)
Tax Bill	$4,911 (2025)
Deeds & Mortgages	Apr 2016 Mortgage Oct 2009 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`20001240006000`

Property Details

APN / Parcel Number

Primary APN	`20001240006000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,217 sqft Living Area
1st Floor Area	1,257 sqft
Basement Area	688 sqft
Unfinished Basement	688 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Exterior Material	Aluminum/Vinyl
Lot Area	53,579 sqft (1.23 acres)
Lot Dimensions	290 ft deep x 184 ft wide
Garage Area	768 sqft
Porch	Porch
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	615 FOREST ST
City	CHARLOTTE
State	MI
Zip	48813-1237
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	N/A
Legal Description	COM 92 1/2 FT N OF SE CORNER OF NW 1/4 OF SE 1/4, W 223 1/2 FT,S 10 FT,W 147 1/2 FT,N 16 1/2 FT,E 13.9 FT,N 177.9 FT,E TO 1/8 LINE,S TO BEG. SEC. 12, T2N R5W, CITY OF CHARLOTTE
Legal Range	05W
Legal Township	02N
Legal Section	12
Jurisdiction	EATON MI
Township / Civil Division	CHARLOTTE
Census Block Group	1
Census Block	1002
Census Tract	20901

Owner

615 Forest St is owned and occupied by an individual who acquired it in March 2019.

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

Owner of Record	Individual Name on File
Mailing Address	615 FOREST ST, CHARLOTTE, MI 48813-1237
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
Apr 14, 2016	Deed of Trust, Mortgage · Commercial Mortgage INDEPENDENT BANK
Oct 7, 2009	Deed of Trust, Mortgage EDUCATIONAL CREDIT UNION
Mar 14, 2019	Intrafamily Transfer, Transfer
Sep 3, 2015	Warranty Deed, Transfer · Conventional Mortgage INDEPENDENT BANK
May 25, 2012	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 3, 2015 · Amount on File
Deed Sale	Sep 3, 2015 · Amount on File
Deed Book / Page	2586 / 992
Last Transfer Date	Mar 11, 2019
Transfer Doc	2776/0100
Record Updated	Oct 29, 2026

April 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EATON MI
Property Address	615 FOREST ST, CHARLOTTE, MI 48813-1237
Transaction Type	Mortgage
Record Updated	Jun 22, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	02616/0794
Date	Apr 14, 2016
Book Page	2616/0794

Lender

Name	INDEPENDENT BANK
Type	Bank
Address	CHARLOTTE, MI 48813

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

October 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EATON MI
Property Address	615 FOREST ST, CHARLOTTE, MI 48813-1237
Transaction Type	Mortgage
Record Updated	Jun 22, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	02251/0693
Date	Oct 7, 2009
Book Page	2251/0693

Lender

Name	EDUCATIONAL CREDIT UNION
Address	CHARLOTTE, MI 48813

Agreement

Amount	Amount on Record
Term	87 Months
Due	Jan 25, 2017

March 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	EATON MI
Recording Date	Mar 14, 2019
Property Address	615 FOREST ST, CHARLOTTE, MI 48813-1237
Document Number	02776/0100
Book / Page	2776 / 0100
Instrument Date	Mar 11, 2019
Transaction Type	Transfer
Record Updated	Jun 22, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	615 FOREST ST, CHARLOTTE, MI 48813-1237

September 2015: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EATON MI
Recording Date	Sep 3, 2015
Property Address	615 FOREST ST, CHARLOTTE, MI 48813-1237
Document Number	02586/0992
Book / Page	2586 / 0992
Instrument Date	Aug 25, 2015
Transaction Type	Transfer
Record Updated	Jun 22, 2026
Title Company	INDEPENDENT TITLE SVCS INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$688.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6315 MULLIKEN RD, CHARLOTTE, MI 48813-8812

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	615 FOREST ST, CHARLOTTE, MI 48813-1237

Mortgage

Document Number	02586/0993
Date	Sep 3, 2015
Book Page	2586/0993

Lender

Name	INDEPENDENT BANK
Type	Bank
Address	GRAND RAPIDS, MI 49525

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2045

May 2012: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	EATON MI
Recording Date	May 25, 2012
Property Address	615 FOREST ST, CHARLOTTE, MI 48813-1237
Document Number	02394/0644
Book / Page	2394 / 0644
Instrument Date	May 17, 2012
Transaction Type	Transfer
Record Updated	Jun 22, 2026

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
Relationship	Revocable Trust
Address	6315 MULLIKEN RD, CHARLOTTE, MI 48813-8812

Tax Assessment & Valuation

The 2025 property tax bill for 615 Forest St was $4,911, up 3% from the year before.

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		$120,600 (+9.64%)	$220,082 (-) Land $66,264 Building $153,818
2025	$4,911.00 (+2.98%)	$110,000	$220,082 Land $66,264 Building $153,818
2024	$4,769.00
2023		$93,900	$187,800
2022	$4,269.00

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

Flood

FEMA maps place 615 Forest St in Zone X, an area of minimal flood risk.

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

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

Wildfire risk around 615 Forest St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.4% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 224 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

May also be available: Mercury Fiber.

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