Eaton County property record for 738 Emerald Dr, Charlotte, MI 48813
| Property Type | Condominium |
|---|---|
| Details | 2 bd · 2 ba · 1,135 sqft · built 2002 |
| Lot Size | 0.039 acres (1,732 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $230,000 (Aug 2026) |
| Tax Bill | $4,274 (2025) |
| Deeds & Mortgages | Aug 2026 Sale & Mortgage Jan 2026 Transfer + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 20004700004300 |
| Primary APN | 20004700004300 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Building Area | 1,135 sqft Living Area |
| 1st Floor Area | 1,135 sqft |
| Basement Area | 1,135 sqft |
| Finished Basement | 1,030 sqft |
| Unfinished Basement | 1,135 sqft |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Architectural Style | Condo/Apartment |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 1,732 sqft |
| Garage Area | 440 sqft |
| Porch | Porch |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 738 EMERALD DR |
|---|---|
| City | CHARLOTTE |
| State | MI |
| Zip | 48813-9028 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Local Zoning Code | N/A |
| Legal Description | UNIT 43. EMERALD ISLE CONDO, SEC. 24, T2N,R5W, CITY OF CHARLOTTE. 1996 |
| Legal Range | 05W |
| Legal Township | 02N |
| Legal Section | 24 |
| Legal Subdivision | EMERALD ISLE CONDO |
| Legal Unit | 43 |
| Jurisdiction | EATON MI |
| Township / Civil Division | CHARLOTTE |
| Census Block Group | 1 |
| Census Block | 1033 |
| Census Tract | 20902 |
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 | 4729 CASABLANCA CIR, C4, SEBRING, FL 33870-1256 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Aug 20, 2026 | Warranty Deed, Transfer · VA Mortgage HOME MORTGAGE CORPORATION |
| Jan 20, 2026 | Intrafamily Transfer, Transfer |
| Aug 31, 2020 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| May 25, 2017 | Warranty Deed, Transfer · VA Mortgage PNC MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 20, 2026 · Amount on Record |
| Deed Sale | Aug 20, 2026 · Amount on Record |
| Prior Sale | May 25, 2017 · Amount on Record |
| Deed Document Number | 20262873 |
| Deed Book / Page | 3207 / 767 |
| Prior Transfer Date | Dec 30, 2025 |
| Prior Transfer Doc | 003174/618 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | EATON MI |
| Recording Date | Aug 20, 2026 |
| Property Address | 738 EMERALD DR, CHARLOTTE, MI 48813-9028 |
| Document Number | 0000002873 |
| Book / Page | 3207 / 767 |
| Instrument Date | Aug 14, 2026 |
| Instrument | 20262873 |
| Transaction Type | Transfer |
| Record Updated | Sep 1, 2026 |
| Title Company | SMARTER TITLE, STARTITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $199,778.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 0000002874, |
|---|---|
| Date | Aug 20, 2026 |
| Instrument | 20262874 |
| Name | HOME MORTGAGE CORPORATION |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | EATON MI |
| Recording Date | Jan 20, 2026 |
| Property Address | 738 EMERALD DR, CHARLOTTE, MI 48813-9028 |
| Document Number | 003174/618 |
| Book / Page | 3174 / 618 |
| Map Reference | LB 1058 PG 864 |
| Instrument Date | Dec 30, 2025 |
| Transaction Type | Transfer |
| Record Updated | Jan 30, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 738 EMERALD DR, CHARLOTTE, MI 48813-9028 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EATON MI |
| Property Address | 738 EMERALD DR, CHARLOTTE, MI 48813-9028 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2865/657 |
|---|---|
| Date | Aug 31, 2020 |
| Book Page | 2865/657 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, MI 48813 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | EATON MI |
| Recording Date | May 25, 2017 |
| Property Address | 738 EMERALD DR, CHARLOTTE, MI 48813-9028 |
| Document Number | 2680/0840 |
| Book / Page | 2680 / 0840 |
| Instrument Date | May 22, 2017 |
| Transaction Type | Transfer |
| Record Updated | Sep 7, 2021 |
| Title Company | ATA NATIONAL TITLE GROUP LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,118.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 738 EMERALD DR, 738, CHARLOTTE, MI 48813-9028 |
| Name | Verified Name |
|---|---|
| Address | 195 LEGACY PARK DR APT 3, 3, CHARLOTTE, MI 48813-1347 |
| Document Number | 26800841 |
|---|---|
| Date | May 25, 2017 |
| Instrument | 2680/0841 |
| Name | PNC MORTGAGE LLC |
|---|---|
| Type | Lending Institution |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2047 |
Source: Eaton County assessment roll, as of August 17, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Eaton County |
| Municipality | Charlotte City |
| Unified School District | Charlotte Public Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $121,900 (+1.16%) | $240,997 (-) Land $38,447 Building $202,550 | |
| 2025 | $4,274.00 (+2.94%) Homeowner's exemption | $120,500 (+15.09%) | $240,997 (+15.09%) Land $38,447 Building $202,550 |
| 2024 | $4,152.00 (+11.85%) | ||
| 2023 | $104,700 | $209,400 | |
| 2022 | $3,712.00 |
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.
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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 340 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| ACD.net Fiber | 10,000 / 10,000 |
| Xfinity Cable | 2,000 / 250 |
| WOW Internet, Cable & Phone Cable | 1,200 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| Mercury Fiber Fixed Wireless | 150 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures