620 W Henry St, Charlotte, MI 48813 Property Records

Eaton County property record for 620 W Henry St, Charlotte, MI 48813

Property Summary

Property Type	Single Family Home
Details	16 bd · 1 ba · 1,480 sqft · built 1900
Lot Size	0.69 acres (30,056 sqft)
Owner	Individual Name on File
Tax Bill	$3,815 (2025)
Deeds & Mortgages	Mar 2020 Second Mortgage Jul 2020 Transfer
Flood Zone	Zone X (minimal risk)
APN	`20004200017100`

Property Details

APN / Parcel Number

Primary APN	`20004200017100`

Interior

Bedrooms	16 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	1,480 sqft Living Area
1st Floor Area	1,159 sqft
Basement Area	1,460 sqft
Unfinished Basement	1,460 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Aluminum/Vinyl
Lot Area	30,056 sqft (0.69 acres)
Lot Dimensions	288 ft deep x 99 ft wide
Garage Area	748 sqft
Porch	Porch
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	620 W HENRY ST
City	CHARLOTTE
State	MI
Zip	48813-1866
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	N/A
Legal Description	W 1/2 OF LOT 16 EXCEPT N 82.5 FT. LOT 17. IN THAT PART OF R.E.BRACKETT'S AND MIKESELL & BRACKETT'S ADDITION IN NW 1/4 OF SE
Legal Subdivision	REBRACKETTS & MIKESELL & BRACK
Legal Lot Number	16-17
Jurisdiction	EATON MI
Township / Civil Division	CHARLOTTE
Census Block Group	3
Census Block	3004
Census Tract	20902

Owner

620 W Henry St is owned and occupied by an individual who acquired it in June 2020.

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

Owner of Record	Individual Name on File
Mailing Address	620 W HENRY ST, CHARLOTTE, MI 48813-1866
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
Mar 11, 2020	Deed of Trust, Mortgage · Stand-Alone Second Mortgage MICHIGAN STATE UNIVERSITY FCU
Jul 6, 2020	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Jun 26, 2020
Transfer Doc	2854/872
Record Updated	Oct 29, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EATON MI
Property Address	620 W HENRY ST, CHARLOTTE, MI 48813-1866
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2832/1200
Date	Mar 11, 2020
Book Page	2832/1200

Lender

Name	MICHIGAN STATE UNIVERSITY FCU
Type	Credit Union
Address	EAST LANSING, MI 48823

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	181 Months
Due	Apr 1, 2035

July 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	EATON MI
Recording Date	Jul 6, 2020
Property Address	620 W HENRY ST, CHARLOTTE, MI 48813-1866
Document Number	2854/872
Book / Page	2854 / 872
Instrument Date	Jun 26, 2020
Transaction Type	Transfer
Record Updated	Sep 7, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1725 HAMPSTEAD GRV, 1725, LANSING, MI 48917-9747

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	620 W HENRY ST, CHARLOTTE, MI 48813-1866
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 620 W Henry St was $3,815 with a homeowner's exemption, up 2.9% 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		$130,600 (+6.18%)	$245,920 (-) Land $45,372 Building $200,548
2025	$3,815.00 (+2.91%) Homeowner's exemption	$123,000	$245,920 Land $45,372 Building $200,548
2024	$3,707.00
2023		$106,500	$213,000
2022	$3,315.00

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

Flood

FEMA maps place 620 W Henry 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 620 W Henry 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 296 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.

Cell Coverage

5G (outdoors only) and 4G LTE

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