628 S Ainger Rd, Charlotte, MI 48813 Property Records

Eaton County property record for 628 S Ainger Rd, Charlotte, MI 48813

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,080 sqft · built 1977
Lot Size	10 acres (439,085 sqft)
Owner	Individual Name on File
Tax Bill	$3,110 (2025)
Deeds & Mortgages	Sep 2005 Mortgage Jan 2014 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`10001840002900`

Property Details

APN / Parcel Number

Primary APN	`10001840002900`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,080 sqft Living Area
1st Floor Area	1,080 sqft
Basement Area	960 sqft
Unfinished Basement	960 sqft

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Lot Area	439,085 sqft (10 acres)
Garage Area	960 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	628 S AINGER RD
City	CHARLOTTE
State	MI
Zip	48813-8500
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LA
Legal Description	N 340 FT OF S 1959.71 FT OF E 1292 FT OF SE 1/4. SEC.18, T2N,R5W, CARMEL TWP 1979
Legal Range	05W
Legal Township	02N
Legal Section	18
Jurisdiction	EATON MI
Township / Civil Division	CARMEL
Census Block Group	2
Census Block	2009
Census Tract	21002

Owner

628 S Ainger Rd is owned by an individual who acquired it in July 2004.

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

Owner of Record	Individual Name on File
Mailing Address	14655 ABBEY LN, A2, BATH, MI 48808-7704
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
Sep 30, 2005	Deed of Trust, Mortgage LAFCU
Jan 10, 2014	Deed of Trust, Mortgage · Conventional Mortgage INDEPENDENT BANK
Oct 4, 2006	Deed of Trust, Mortgage CITIBANK FSB
Jul 14, 2014	Deed of Trust, Mortgage · Line of Credit INDEPENDENT BANK
Nov 21, 2006	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Jul 20, 2004
Transfer Doc	2081/0253
Record Updated	Oct 29, 2026

September 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EATON MI
Property Address	628 S AINGER RD, CHARLOTTE, MI 48813-8500
Transaction Type	Mortgage
Record Updated	Jun 22, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01973/0103
Date	Sep 30, 2005
Book Page	1973/0103

Lender

Name	LAFCU
Type	Credit Union
Address	LANSING, MI 48917

Agreement

Amount	Amount on Record
Term	180 Months
Due	Sep 27, 2020

January 2014: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EATON MI
Property Address	628 S AINGER RD, CHARLOTTE, MI 48813-8500
Transaction Type	Mortgage
Record Updated	Jun 22, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02502/0218
Date	Jan 10, 2014
Book Page	2502/0218

Lender

Name	INDEPENDENT BANK
Type	Bank
Address	IONIA, MI 48846

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jan 1, 2029

October 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EATON MI
Property Address	628 S AINGER RD, CHARLOTTE, MI 48813-8500
Transaction Type	Mortgage
Record Updated	Jun 22, 2026
Title Company	FISERV LENDING SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02069/1022
Date	Oct 4, 2006
Book Page	2069/1022

Lender

Name	CITIBANK FSB
Type	Bank
Address	11800 SPECTRUM CTR, RESTON, VA 20190

Agreement

Amount	Amount on Record
Term	359 Months
Due	Sep 26, 2036

Interest

Rate Type	Fixed Rate

July 2014: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EATON MI
Property Address	628 S AINGER RD, CHARLOTTE, MI 48813-8500
Transaction Type	Mortgage
Record Updated	Jun 22, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02526/0195
Date	Jul 14, 2014
Book Page	2526/0195

Lender

Name	INDEPENDENT BANK
Type	Bank
Address	CHARLOTTE, MI 48813

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	239 Months
Due	Jun 23, 2034

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2006: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	EATON MI
Recording Date	Nov 21, 2006
Property Address	628 S AINGER RD, CHARLOTTE, MI 48813-8500
Document Number	02081/0253
Book / Page	2081 / 0253
Instrument Date	Jul 20, 2004
Transaction Type	Transfer
Record Updated	Jun 22, 2026

Transaction

Tax	$0.00
Amount Accuracy	Non-Arm's Length Transaction
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	628 S AINGER RD, CHARLOTTE, MI 48813-8500

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	628 S AINGER RD, CHARLOTTE, MI 48813-8500

Tax Assessment & Valuation

The 2025 property tax bill for 628 S Ainger Rd was $3,110, up 2.6% from the year before.

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

Property Jurisdictions

Type	Name
State	Michigan
County	Eaton County
County Subdivision	Carmel Township
Unified School District	Charlotte Public Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$102,790 (+1.44%)	$202,659 (-) Land $63,240 Building $139,419
2025	$3,110.00 (+2.57%)	$101,330	$202,659 Land $63,240 Building $139,419
2024	$3,032.00
2023		$76,820	$153,640
2022	$2,199.00

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

Flood

FEMA maps place 628 S Ainger Rd 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

Wildfire risk around 628 S Ainger Rd 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 95% of the US · lower than 89% 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.

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)
Starlink Satellite	280 / 30
Mercury Fiber Fixed Wireless	150 / 20
Verizon Fixed Wireless	25 / 6

Cell Coverage

5G (outdoors only) and 4G LTE

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