735 Cherry St, Charlotte, MI 48813 Property Records

Eaton County property record for 735 Cherry St, Charlotte, MI 48813

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 927 sqft · built 1967
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on Record
Last Sale	$180,000 (Oct 2021)
Tax Bill	$2,426 (2025)
Deeds & Mortgages	Oct 2025 Second Mortgage Jan 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20008600003000`

Property Details

APN / Parcel Number

Primary APN	`20008600003000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	927 sqft Living Area
1st Floor Area	864 sqft
Basement Area	864 sqft
Unfinished Basement	864 sqft

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1967
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	133 ft deep x 66 ft wide
Garage Area	280 sqft
Porch	Porch

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	735 CHERRY ST
City	CHARLOTTE
State	MI
Zip	48813-1701
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	N/A
Legal Description	LOT 3. WESTVIEW CITY OF CHARLOTTE
Legal Subdivision	WESTVIEW
Legal Lot Number	3
Jurisdiction	EATON MI
Township / Civil Division	CHARLOTTE
Census Block Group	3
Census Block	3011
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	Individual Name on Record
Mailing Address	735 CHERRY ST, CHARLOTTE, MI 48813-1701
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 23, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage KELLOGG COMMUNITY CU
Jan 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNION HOME MORTGAGE CORP
Oct 5, 2021	Warranty Deed, Transfer · FHA Mortgage FIRST HERITAGE FINANCIAL LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 5, 2021 · Amount on Record
Deed Sale	Oct 5, 2021 · Amount on Record
Prior Sale	Mar 4, 2013 · Amount on Record
Deed Book / Page	2959 / 927
Prior Transfer Date	Mar 15, 2012
Prior Transfer Doc	2383/0197
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EATON MI
Property Address	735 CHERRY ST, CHARLOTTE, MI 48813-1701
Transaction Type	Mortgage
Record Updated	Nov 5, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	736 CHERRY ST, CHARLOTTE, MI 48813-1702

Mortgage

Document Number	003161/935
Date	Oct 23, 2025
Book Page	3161/935

Lender

Name	KELLOGG COMMUNITY CU
Type	Credit Union
Address	BATTLE CREEK, MI 49016

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Nov 1, 2035

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EATON MI
Property Address	735 CHERRY ST, CHARLOTTE, MI 48813-1701
Transaction Type	Mortgage
Record Updated	May 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002898/428
Date	Jan 15, 2021
Book Page	2898/428

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company
Address	STRONGSVILLE, OH 44136

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EATON MI
Recording Date	Oct 5, 2021
Property Address	735 CHERRY ST, CHARLOTTE, MI 48813-1701
Document Number	002959/927
Book / Page	2959 / 927
Map Reference	L B 5 PG 7
Instrument Date	Sep 28, 2021
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	ATA NATIONAL TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,548.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	735 CHERRY ST, 735, CHARLOTTE, MI 48813-1701

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	417 N MAIN ST, NASHVILLE, MI 49073-8779

Mortgage

Document Number	0002959928
Date	Oct 5, 2021
Instrument	2959/928

Lender

Name	FIRST HERITAGE FINANCIAL LLC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2051

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		$69,600 (+3.57%)	$134,433 (-) Land $30,134 Building $104,299
2025	$2,426.00 (+2.88%) Homeowner's exemption	$67,200 (+37.14%)	$134,433 (+37.18%) Land $30,134 Building $104,299
2024	$2,358.00 (+11.7%)
2023		$49,000	$98,000
2022	$2,111.00

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	Low lower than 99.1% of the US · lower than 98.4% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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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