638 Division St, Charlevoix, MI 49720 Property Records

Charlevoix County property record for 638 Division St, Charlevoix, MI 49720

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,714 sqft · built 1968
Lot Size	1.55 acres (67,866 sqft)
Owner	Individual Name on Record
Tax Bill	$4,008 (2025)
Flood Zone	Zone X (minimal risk)
APN	`052-123-068-10`

Property Details

APN / Parcel Number

Primary APN	`052-123-068-10`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Building Area	1,714 sqft Living Area
1st Floor Area	952 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Architectural Style	Bi-Level
Exterior Material	Wood Siding
Lot Area	67,866 sqft (1.55 acres)
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Hot Water

Location & Zoning

Street Address	638 DIVISION ST
City	CHARLEVOIX
State	MI
Zip	49720-2040
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BEG AT NE COR OF NW1/4 OF SE1/4 SEC 23 T34N R8W SD PT BEING 1321 FT W OF E1/4 COR SD SEC TH S AL E1/8 LI 330 FT TH W PARA WI
Legal Range	08W
Legal Township	34N
Legal Section	23
Jurisdiction	CHARLEVOIX MI
Township / Civil Division	CHARLEVOIX
Census Block Group	3
Census Block	3028
Census Tract	1500

Owner

Source: Charlevoix County records, as of June 18, 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	638 DIVISION ST, CHARLEVOIX, MI 49720-2040
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

Tax Assessment & Valuation

Source: Charlevoix County assessment roll, as of June 18, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Charlevoix County
Municipality	Charlevoix City
Unified School District	Charlevoix Public Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$184,800 (-11.37%)	$369,600 (-11.37%)
2025	$4,008.00 (+1.14%) Homeowner's exemption	$208,500 (+45.4%)	$417,000 (+45.4%)
2024	$3,963.00 (+7.22%)
2023		$143,400	$286,800
2022	$3,696.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective September 15, 2022 · 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 80% of the US · above 51% of Michigan
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	CHARLEVOIX serves 3,124 people · EPA ID MI0001330
Water Source	Surface water
Last State Inspection	May 2022

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 98 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20