731 Walnut St, Charlotte, MI 48813 Property Records

Eaton County property record for 731 Walnut St, Charlotte, MI 48813

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 960 sqft · built 1970
Lot Size	0.24 acres (10,454 sqft)
Owner	2 Individual Names on File
Last Sale	$166,000 (Oct 2021)
Tax Bill	$3,217 (2025)
Deeds & Mortgages	Oct 2021 Sale & Mortgage Feb 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20008580008000`

Property Details

APN / Parcel Number

Primary APN	`20008580008000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	960 sqft Living Area
1st Floor Area	960 sqft
Basement Area	960 sqft
Unfinished Basement	960 sqft

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	10,454 sqft (0.24 acres)
Lot Dimensions	143 ft deep x 75 ft wide
Garage Area	1,008 sqft
Porch	Porch

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	731 WALNUT ST
City	CHARLOTTE
State	MI
Zip	48813-1737
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	N/A
Legal Description	LOT 8. WESTLAWN CITY OF CHARLOTTE
Legal Subdivision	WESTLAWN SUBDIVISION
Legal Lot Number	8
Jurisdiction	EATON MI
Township / Civil Division	CHARLOTTE
Census Block Group	3
Census Block	3013
Census Tract	20902

Owner

731 Walnut St is owned and occupied by two individuals who bought it in October 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	731 WALNUT ST, CHARLOTTE, MI 48813-1737
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.

Deeds, Mortgages & Sale History

Date	Document
Oct 29, 2021	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Feb 14, 2018	Warranty Deed, Transfer · Conventional Mortgage UNION HOME MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 29, 2021 · Amount on File
Deed Sale	Oct 29, 2021 · Amount on File
Prior Sale	Feb 14, 2018 · Amount on File
Deed Book / Page	2965 / 31
Prior Transfer Date	Mar 10, 2008
Prior Transfer Doc	2168/0846
Record Updated	Oct 29, 2026

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EATON MI
Recording Date	Oct 29, 2021
Property Address	731 WALNUT ST, CHARLOTTE, MI 48813-1737
Document Number	0002965/31
Book / Page	2965 / 31
Map Reference	LB 3 PG 18
Instrument Date	Oct 25, 2021
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	TRI COUNTY TITLE AGENCY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,427.60
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	713 WALNUT ST, 713, CHARLOTTE, MI 48813-1737

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	321 JOHNSON ST, CHARLOTTE, MI 48813-1623

Mortgage

Document Number	0000296533
Date	Oct 29, 2021
Instrument	2965/33

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EATON MI
Recording Date	Feb 14, 2018
Property Address	731 WALNUT ST, CHARLOTTE, MI 48813-1737
Document Number	02720/1274
Book / Page	2720 / 1274
Map Reference	LB3 PG18
Instrument Date	Feb 5, 2018
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	ATA NATIONAL TITLE GROUP LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$958.90
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	731 WALNUT ST, 731, CHARLOTTE, MI 48813-1737

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1318 COOPER AVE, LANSING, MI 48910-2639

Mortgage

Document Number	0027201275
Date	Feb 14, 2018
Instrument	2720/1275

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 731 Walnut St was $3,217 with a homeowner's exemption, up 6% from the year before.

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		$93,000 (+3.33%)	$180,036 (-) Land $36,755 Building $143,281
2025	$3,217.00 (+5.96%) Homeowner's exemption	$90,000	$180,036 Land $36,755 Building $143,281
2024	$3,036.00
2023		$63,500	$127,000
2022	$2,715.00

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

FEMA maps place 731 Walnut St 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 731 Walnut 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.

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.

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