730 Cherry St, Charlotte, MI 48813 Property Records

Eaton County property record for 730 Cherry St, Charlotte, MI 48813

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,232 sqft · built 1956
Lot Size	0.34 acres (14,810 sqft)
Owner	2 Individual Names on Record
Last Sale	$190,500 (Jul 2026)
Tax Bill	$2,954 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Jul 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`20004200065001`

Property Details

APN / Parcel Number

Primary APN	`20004200065001`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,232 sqft Living Area
1st Floor Area	1,232 sqft

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Architectural Style	Ranch
Exterior Material	Wood Siding
Lot Area	14,810 sqft (0.34 acres)
Lot Dimensions	193 ft deep x 66 ft wide
Garage Area	240 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	730 CHERRY ST
City	CHARLOTTE
State	MI
Zip	48813-1702
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	N/A
Legal Description	LOT 65 & S 1/2 OF ADJACENT VACATED ALLEY ON N SIDE. IN THAT PART OF R.E. BRACKETT'S & MIKESELL & BRACKETT'S ADDITION IN NE 1/4 OF SW 1/4 OF SEC. 13, T2N,R5W CITY OF CHARLOTTE. D 12-11-13 (COMBINATION) COMBINED FROM 200-042-000-650-00 & 200-042-000-65
Legal Range	05W
Legal Township	02N
Legal Section	13
Legal Subdivision	R E BRACKETTS & MIKESELL
Legal Lot Number	65
Jurisdiction	EATON MI
Township / Civil Division	CHARLOTTE
Census Block Group	3
Census Block	3006
Census Tract	20902

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	221 E CROSS ST, CLARKSVILLE, MI 48815-9701
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Woman

Deeds, Mortgages & Sale History

Date	Document
Jul 10, 2026	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE CENTER LLC
Jul 6, 2023	Warranty Deed, Transfer · Conventional Mortgage TJC MORTGAGE INC
Feb 15, 2023	Deed of Trust, Mortgage · Unknown EATON COMMUNITY BANK
Jul 6, 2022	Warranty Deed, Transfer · Conventional Mortgage EATON COMMUNITY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 10, 2026 · Amount on Record
Deed Sale	Jul 10, 2026 · Amount on Record
Prior Sale	Jul 6, 2023 · Amount on Record
Deed Document Number	20261066
Deed Book / Page	3200 / 1089
Prior Transfer Date	Feb 14, 2013
Prior Transfer Doc	2445/0359
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EATON MI
Recording Date	Jul 10, 2026
Property Address	730 CHERRY ST, CHARLOTTE, MI 48813-1702
Document Number	0000001066
Book / Page	3200 / 1089
Instrument Date	Jul 2, 2026
Instrument	20261066
Transaction Type	Transfer
Record Updated	Aug 20, 2026
Title Company	TRANSNATION TITLE INSURANCE COMPANY, TRANSNATION TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$165,468.30
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001016,
Date	Jul 10, 2026
Book Page	3200/798
Instrument	20261016

Lender

Name	MORTGAGE CENTER LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.53%
Initial Type	Fixed Rate
Max Rate	-1%

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EATON MI
Recording Date	Jul 6, 2023
Property Address	730 CHERRY ST, CHARLOTTE, MI 48813-1702
Document Number	003055/921
Book / Page	3055 / 921
Map Reference	LB 1 PG 74-A
Instrument Date	Jun 29, 2023
Transaction Type	Transfer
Record Updated	Jul 28, 2023
Title Company	ATA NATIONAL TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,275.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	730 CHERRY ST, CHARLOTTE, MI 48813-1702

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5309 REDWOOD BLVD, BATTLE CREEK, MI 49015-7146

Mortgage

Document Number	0030550922
Date	Jul 6, 2023
Instrument	3055-0922

Lender

Name	TJC MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2053

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EATON MI
Property Address	730 CHERRY ST, CHARLOTTE, MI 48813-1702
Transaction Type	Mortgage
Record Updated	Feb 28, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	730 CHERRY ST, CHARLOTTE, MI 48813-1702

Mortgage

Document Number	003039/218
Date	Feb 15, 2023
Book Page	3039/218

Lender

Name	EATON COMMUNITY BANK
Type	Bank
Address	CHARLOTTE, MI 48813

Agreement

Type	Unknown
Amount	Amount Recorded
Term	300 Months
Due	Feb 25, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EATON MI
Recording Date	Jul 6, 2022
Property Address	730 CHERRY ST, CHARLOTTE, MI 48813-1702
Document Number	003010/898
Book / Page	3010 / 898
Map Reference	LB 1 PG 74-A
Instrument Date	Jun 28, 2022
Transaction Type	Transfer
Record Updated	Jul 14, 2022
Title Company	ATA NATIONAL TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,110.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1400 E KALAMO HWY, 1400, CHARLOTTE, MI 48813-9157

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	221 BITTERSWEET LN, BATTLE CREEK, MI 49015-3809

Mortgage

Document Number	0030100899
Date	Jul 6, 2022
Instrument	3010-0899

Lender

Name	EATON COMMUNITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jul 1, 2032

Tax Assessment & Valuation

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		$62,300 (+3.49%)	$120,354 (-) Land $36,421 Building $83,933
2025	$2,954.00 (+2.71%) Homeowner's exemption	$60,200 (+10.46%)	$120,354 (+10.42%) Land $36,421 Building $83,933
2024	$2,876.00 (+70.99%)
2023		$54,500	$109,000
2022	$1,682.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

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

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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