616 Forest St, Charlotte, MI 48813 Property Records

Eaton County property record for 616 Forest St, Charlotte, MI 48813

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 927 sqft · built 1970
Lot Size	0.18 acres (7,841 sqft)
Owner	Individual Name on Record
Last Sale	$152,000 (May 2022)
Tax Bill	$2,614 (2025)
Deeds & Mortgages	May 2022 Sale & Mortgage Jul 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20006663813000`

Property Details

APN / Parcel Number

Primary APN	`20006663813000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	927 sqft Living Area
1st Floor Area	864 sqft
Basement Area	864 sqft
Unfinished Basement	864 sqft

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	7,841 sqft (0.18 acres)
Lot Dimensions	135 ft deep x 59 ft wide
Porch	Porch
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	616 FOREST ST
City	CHARLOTTE
State	MI
Zip	48813-1238
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	N/A
Legal Description	COM 211.5 FT N OF SW CORNER OF LOT 38, N 58.5 FT, E 135 FT, S 58.5 FT, W 135 FT TO BEG. MCCLURE'S ADDITION, CITY OF CHARLOTTE
Legal Subdivision	FT TO BEG MCCLURES ADD
Legal Lot Number	38
Jurisdiction	EATON MI
Township / Civil Division	CHARLOTTE
Census Block Group	1
Census Block	1005
Census Tract	20901

Owner

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

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	616 FOREST ST, CHARLOTTE, MI 48813-1238
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 27, 2022	Warranty Deed, Transfer · Conventional Mortgage MARSHALL COMMUNITY CU
Jul 12, 2021	Deed of Trust, Mortgage · USDA Mortgage UNION HOME MORTGAGE CORP
Oct 10, 2018	Warranty Deed, Transfer · Conventional Mortgage UNION HOME MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 27, 2022 · Amount on Record
Deed Sale	May 27, 2022 · Amount on Record
Prior Sale	Oct 10, 2018 · Amount on Record
Deed Book / Page	3004 / 1030
Record Updated	Oct 29, 2026

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EATON MI
Recording Date	May 27, 2022
Property Address	616 FOREST ST, CHARLOTTE, MI 48813-1238
Document Number	03004/1030
Book / Page	3004 / 1030
Map Reference	LB 1 PG 71B
Instrument Date	May 26, 2022
Transaction Type	Transfer
Record Updated	Jun 8, 2022
Title Company	ATA NATIONAL TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,140.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	616 FOREST ST, 616, CHARLOTTE, MI 48813-1238

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	216 LEGACY PARK DR, CHARLOTTE, MI 48813-1352

Mortgage

Document Number	0030041031
Date	May 27, 2022
Instrument	3004-1031

Lender

Name	MARSHALL COMMUNITY CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

Mortgage

Document Number	03004/1040
Date	May 27, 2022
Book Page	3004/1040

Lender

Name	MARSHALL COMMUNITY CU
Type	Credit Union
Address	MARSHALL, MI 49068

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EATON MI
Property Address	616 FOREST ST, CHARLOTTE, MI 48813-1238
Transaction Type	Mortgage
Record Updated	May 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002939/849
Date	Jul 12, 2021
Book Page	2939/849

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company
Address	STRONGSVILLE, OH 44136

Agreement

Type	USDA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EATON MI
Recording Date	Oct 10, 2018
Property Address	616 FOREST ST, CHARLOTTE, MI 48813-1238
Document Number	02757/0421
Book / Page	2757 / 0421
Map Reference	LB1 PG71B
Instrument Date	Oct 3, 2018
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	ATA NATIONAL TITLE GROUP LLC, ATA NATL TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$984.70
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	616 FOREST ST, 616, CHARLOTTE, MI 48813-1238

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	616 FOREST ST, CHARLOTTE, MI 48813-1238

Mortgage

Document Number	0002757423
Date	Oct 10, 2018
Instrument	2757/423

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

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		$95,700 (+96.11%)	$121,288 (+24.27%) Land $29,920 Building $91,368
2025	$2,614.00 (+57.47%)
2023		$48,800	$97,600
2022	$1,660.00

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

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

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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