Eaton County property record for 740 Emerald Dr, Charlotte, MI 48813
| Property Type | Condominium |
|---|---|
| Details | 2 bd · 2 ba · 1,135 sqft · built 2002 |
| Lot Size | 0.041 acres (1,789 sqft) |
| Owner | Trust Name on File |
| Tax Bill | $3,511 (2025) |
| Deeds & Mortgages | Dec 2023 Second Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 20004700004400 |
| Primary APN | 20004700004400 |
|---|
| 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 |
| Unfinished Basement | 1,135 sqft |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Architectural Style | Condo/Apartment |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 1,789 sqft |
| Garage Area | 440 sqft |
| Porch | Porch |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 740 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 44. 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 | 44 |
| Jurisdiction | EATON MI |
| Township / Civil Division | CHARLOTTE |
| Census Block Group | 1 |
| Census Block | 1033 |
| Census Tract | 20902 |
740 Emerald Dr, a condominium, is owner-occupied and held in a trust since January 2012.
Source: Eaton County records, as of October 20, 2026
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 740 EMERALD DR, CHARLOTTE, MI 48813-9028 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Jan 18, 2012 |
| Transfer Doc | 2373/0884 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EATON MI |
| Property Address | 740 EMERALD DR, CHARLOTTE, MI 48813-9028 |
| Transaction Type | Mortgage |
| Record Updated | Jan 24, 2024 |
| Name | Verified Name |
|---|
| Document Number | 003076/902 |
|---|---|
| Date | Dec 27, 2023 |
| Book Page | 3076/902 |
| Name | EATON COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, MI 48813 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Jan 1, 2039 |
The 2025 property tax bill for 740 Emerald Dr was $3,511 with a homeowner's exemption, up 2.9% from the year before.
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 | $107,600 (+1.61%) | $211,880 (-) Land $38,463 Building $173,417 | |
| 2025 | $3,511.00 (+2.9%) Homeowner's exemption | $105,900 | $211,880 Land $38,463 Building $173,417 |
| 2024 | $3,412.00 | ||
| 2023 | $92,200 | $184,400 | |
| 2022 | $3,051.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 740 Emerald Dr 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.
The area around 740 Emerald Dr has no burnable land within ember reach, so its wildfire risk is not rated.
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 |
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