734 Cherry St, Charlotte, MI 48813 Property Records

Eaton County property record for 734 Cherry St, Charlotte, MI 48813

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,316 sqft · built 1967
Lot Size	0.33 acres (14,375 sqft)
Owner	2 Individual Names on Record
Last Sale	$250,000 (Oct 2025)
Tax Bill	$2,910 (2025)
Deeds & Mortgages	Apr 2019 Mortgage Oct 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20004200066000`

Property Details

APN / Parcel Number

Primary APN	`20004200066000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,316 sqft Living Area
1st Floor Area	1,316 sqft
Basement Area	1,008 sqft
Unfinished Basement	1,008 sqft

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1967
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	14,375 sqft (0.33 acres)
Lot Dimensions	214 ft deep x 209 ft wide
Garage Area	572 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	734 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 66 IN THAT PART OF R.E.BRACKETT'S AND MIKESELL & BRACKETT'S ADDITION IN NE 1/4 OF SW 1/4 OF SEC. 13, T2N,R5W, CITY OF CHARLOTTE
Legal Range	05W
Legal Township	02N
Legal Section	13
Legal Subdivision	REBRACKETTS & MIKESELL & BRACK
Legal Lot Number	66
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	913 W LENAWEE ST, LANSING, MI 48915-1654
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Apr 3, 2019	Deed of Trust, Mortgage · Conventional Mortgage INDEPENDENT BANK
Oct 22, 2025	Warranty Deed, Transfer · FHA Mortgage NEIGHBORHOOD LOANS
Jun 5, 2006	Re-recorded Document · Conventional Mortgage INDEPENDENT MORTGAGE CO SOUTH MICHIGAN

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 22, 2025 · Amount on Record
Deed Sale	Oct 22, 2025 · Amount on Record
Prior Sale	Jun 5, 2006 · Amount on Record
Deed Book / Page	3161 / 716
Prior Transfer Date	Jan 12, 2005
Prior Transfer Doc	02039/0132
Record Updated	Oct 29, 2026

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EATON MI
Property Address	734 CHERRY ST, CHARLOTTE, MI 48813-1702
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02778/0614
Date	Apr 3, 2019
Book Page	2778/0614

Lender

Name	INDEPENDENT BANK
Type	Bank
Address	GRAND RAPIDS, MI 49525

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 1, 2034

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EATON MI
Recording Date	Oct 22, 2025
Property Address	734 CHERRY ST, CHARLOTTE, MI 48813-1702
Document Number	003161/716
Book / Page	3161 / 716
Map Reference	LB 1 PG 74A
Instrument Date	Oct 17, 2025
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	ATA NATIONAL TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,875.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	734 CHERRY ST, CHARLOTTE, MI 48813-1702

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	913 W LENAWEE ST, LANSING, MI 48915-1654

Mortgage

Document Number	0003163939
Date	Oct 22, 2025
Instrument	3163/939

Lender

Name	NEIGHBORHOOD LOANS
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

June 2006: Re-recorded Document

Document Type	Re-recorded Document
Jurisdiction	EATON MI
Recording Date	Jun 5, 2006
Property Address	734 CHERRY ST, CHARLOTTE, MI 48813-1702
Document Number	2039/0131
Book / Page	2039 / 0131
Instrument Date	Jan 12, 2005
Record Updated	Sep 7, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	734 CHERRY ST, CHARLOTTE, MI 48813-1702

Mortgage

Document Number	02039/0132
Date	Jun 5, 2006
Book Page	2039/0132

Lender

Name	INDEPENDENT MORTGAGE CO SOUTH MICHIGAN
Type	Mortgage Company
Address	2390 WOODLAKE DR STE 300, OKEMOS, MI 48864

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2036

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		$99,100 (+3.99%)	$190,527 (-) Land $51,277 Building $139,250
2025	$2,910.00 (+2.9%) Homeowner's exemption	$95,300 (+10.56%)	$190,527 (+10.51%) Land $51,277 Building $139,250
2024	$2,828.00 (+11.78%)
2023		$86,200	$172,400
2022	$2,530.00

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

Nearby Properties on Cherry St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures