Genesee County property record for 638 Charles St, Davison, MI 48423
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,392 sqft · built 1950 |
| Lot Size | 0.125 acres (5,445 sqft) |
| Owner | Individual Name on File |
| Last Sale | $30,000 (Jun 2013) |
| Tax Bill | $2,428 (2025) |
| Deeds & Mortgages | Mar 2017 Reverse Mortgage Dec 2019 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 52-04-580-014 |
| Primary APN | 52-04-580-014 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,392 sqft Living Area |
| 1st Floor Area | 1,392 sqft |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1950 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Raised |
| Lot Area | 5,445 sqft (0.125 acres) |
| Lot Dimensions | 109 ft deep x 50 ft wide |
| Deck Area | Deck Area |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 638 CHARLES ST |
|---|---|
| City | DAVISON |
| State | MI |
| Zip | 48423-1002 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A-3 |
| Legal Description | LOT 16 CARTWRIGHTS ADDITION TO THE VILLAGE OF DAVISON |
| Legal Subdivision | CARTWRIGHTS ADDITION |
| Legal Lot Number | 16 |
| Jurisdiction | GENESEE MI |
| Township / Civil Division | DAVISON |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 11710 |
638 Charles St is owned and occupied by an individual who bought it in June 2013.
Source: Genesee County records, as of October 2, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 638 CHARLES ST, DAVISON, MI 48423-1002 |
| 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.
| Date | Document |
|---|---|
| Mar 25, 2017 | Deed of Trust, Mortgage · Reverse Mortgage ONE REVERSE MORTGAGE LLC |
| Dec 16, 2019 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Mar 16, 2017 | Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 7, 2013 · Amount on File |
| Deed Sale | Jun 7, 2013 · Amount on File |
| Deed Document Number | 201381557 |
| Prior Transfer Date | Jun 10, 2010 |
| Prior Transfer Doc | 0000051077 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GENESEE MI |
| Property Address | 638 CHARLES ST, DAVISON, MI 48423-1002 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000017329 |
|---|---|
| Date | Mar 25, 2017 |
| Instrument | 201703250017329 |
| Name | ONE REVERSE MORTGAGE LLC |
|---|---|
| Type | Reverse Mortgage Lender |
| Address | SAN DIEGO, CA 92121 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.56% |
| Type Change Date | Apr 1, 2018 |
| Change Frequency | Annually |
| Min Rate At Change | 2% |
| Index | 1-Year LIBOR |
| Max Rate | 5% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GENESEE MI |
| Recording Date | Dec 16, 2019 |
| Property Address | 638 CHARLES ST, DAVISON, MI 48423-1002 |
| Document Number | 0000077013 |
| Instrument Date | Nov 26, 2019 |
| Instrument | 77013 |
| Transaction Type | Transfer |
| Record Updated | Jan 3, 2020 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 154 N ELBA RD LAPEER MI 484468007, LAPEER, MI 48446-8007 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GENESEE MI |
| Property Address | 638 CHARLES ST, DAVISON, MI 48423-1002 |
| Document Number | 0000017330 |
| Instrument Date | Mar 16, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 9, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 638 CHARLES ST DAVISON MI 484231002, DAVISON, MI 48423-1002 |
| Document Number | 0000017330 |
|---|---|
| Date | Mar 25, 2017 |
| Instrument | 17330 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 1032 Months |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.56% |
The 2025 property tax bill for 638 Charles St was $2,428 with a homeowner's exemption, up 2.3% from the year before.
Source: Genesee County assessment roll, as of October 2, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Genesee County |
| Municipality | Davison City |
| Unified School District | Davison Community Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $82,900 (+9.08%) Land $6,500 Building $76,400 | $165,800 (+9.08%) Land $13,000 Building $152,800 | |
| 2025 | $2,428.00 (+2.32%) Homeowner's exemption | $76,000 | $152,000 |
| 2024 | $2,373.00 | ||
| 2023 | $64,000 | $128,000 | |
| 2021 | $767.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 638 Charles St in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1985.
Source: FEMA National Flood Hazard Layer, effective February 19, 2024 · 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 | 3 (1985) |
| Claims Outside the SFHA | 1 of 3 |
| Most Recent Claim | Sep 1985 · Severe Storms And Flooding |
| Claims by Event |
|
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 risk around 638 Charles 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 | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF DAVISON serves 5,000 people · EPA ID MI0001720 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Feb 2024 |
| Lead | Under 1 ppb (2026) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 366 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: Verizon, Xfinity.
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