640 Division St, Charlevoix, MI 49720 Property Records

Charlevoix County property record for 640 Division St, Charlevoix, MI 49720 · Last verified June 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,094 sqft · built 1930
Lot Size	1.41 acres (61,681 sqft)
Owner	Company Name on File
Last Sale	$126,000 (May 2001)
Tax Bill	$2,999 (2025)
Flood Zone	Zone X (minimal risk)
APN	`052-123-069-00`

Property Details

APN / Parcel Number

Primary APN	`052-123-069-00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Building Area	1,094 sqft Living Area
1st Floor Area	944 sqft
Basement Area	216 sqft
Unfinished Basement	216 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Lot Area	61,681 sqft (1.41 acres)
Garage Area	616 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	640 DIVISION ST
City	CHARLEVOIX
State	MI
Zip	49720-2040
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BEG NW COR NE1/4 0F SE 1/4 SEC 23 T34N R8W E 113FT S TO PT 330 FT N CEN LINE PETOSKEY SWLY PAR PETOSKEY TO W LINE NE1/4 OF SE
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 · APN 052-123-069-00

Assessment roll updated June 18, 2026 · Last verified June 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on File
Mailing Address	640 DIVISION ST, CHARLEVOIX, MI 49720-2040
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Life Estate

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 04, 2001 · Amount on Record
Deed Sale	May 04, 2001 · Amount on Record
Record Updated	Sep 20, 2026

Tax Assessment & Valuation

Source: Charlevoix County records · Assessment roll updated June 18, 2026 · Last verified June 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$164,400 (-17.76%)	$328,800 (-17.76%)
2025	$2,999.00 (+1.15%) Homeowner's exemption	$199,900 (+49.85%)	$399,800 (+49.85%)
2024	$2,965.00 (+7.19%)
2023		$133,400	$266,800
2022	$2,766.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Charlevoix County (26029C), updated September 15, 2022 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 260290015003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	1 in force

Wildfire

Wildfire Risk	Low above 20% of the US · above 52% of Michigan
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 98 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.