Eaton County property record for 809 Warren Ave, Charlotte, MI 48813
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 898 sqft · built 1946 |
| Lot Size | 0.16 acres (6,970 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $169,900 (Apr 2026) |
| Tax Bill | $2,276 (2025) |
| Deeds & Mortgages | Sep 2005 Mortgage Apr 2026 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 20008700110000 |
| Primary APN | 20008700110000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 898 sqft Living Area |
| 1st Floor Area | 748 sqft |
| Basement Area | 598 sqft |
| Unfinished Basement | 598 sqft |
| Year Built | Built 1946 |
|---|---|
| Effective Year Built | Effective 1946 |
| Architectural Style | Ranch |
| Exterior Material | Block |
| Lot Area | 6,970 sqft (0.16 acres) |
| Lot Dimensions | 132 ft deep x 54 ft wide |
| Garage Area | 315 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 809 WARREN AVE |
|---|---|
| City | CHARLOTTE |
| State | MI |
| Zip | 48813-1976 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | N/A |
| Legal Description | LOT 10. BLOCK 1. WIDDICOMB ADDITION CITY OF CHARLOTTE |
| Legal Subdivision | WIDDICOMB ADDITION |
| Legal Block | 1 |
| Legal Lot Number | 10 |
| Jurisdiction | EATON MI |
| Township / Civil Division | CHARLOTTE |
| Census Block Group | 4 |
| Census Block | 4000 |
| 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 | Individual Name on Record |
|---|---|
| Mailing Address | 1046 N HUDSON ST, LOWELL, MI 49331-1008 |
| Owner Type | Individual |
| Vesting | Unmarried Man |
| Date | Document |
|---|---|
| Sep 6, 2005 | Deed of Trust, Mortgage · Conventional Mortgage AMERIQUEST MORTGAGE CO |
| Apr 13, 2026 | Warranty Deed, Transfer · Conventional Mortgage DFT2 FINANCIAL LLC |
| Aug 27, 2018 | Warranty Deed, Transfer · Conventional Mortgage INDEPENDENT BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 13, 2026 · Amount on Record |
| Deed Sale | Apr 13, 2026 · Amount on Record |
| Prior Sale | Aug 27, 2018 · Amount on Record |
| Deed Book / Page | 3186 / 131 |
| Prior Transfer Date | Aug 21, 2005 |
| Prior Transfer Doc | 01999/0774 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EATON MI |
| Property Address | 809 WARREN AVE, CHARLOTTE, MI 48813-1976 |
| Transaction Type | Mortgage |
| Record Updated | Apr 27, 2026 |
| Name | Verified Name |
|---|
| Document Number | 01965/0001 |
|---|---|
| Date | Sep 6, 2005 |
| Book Page | 1965/0001 |
| Name | AMERIQUEST MORTGAGE CO |
|---|---|
| Type | Subprime Lender |
| Address | ORANGE, CA 92868 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2035 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | EATON MI |
| Recording Date | Apr 13, 2026 |
| Property Address | 809 WARREN AVE, CHARLOTTE, MI 48813-1976 |
| Document Number | 3186000131 |
| Book / Page | 3186 / 131 |
| Instrument Date | Apr 6, 2026 |
| Transaction Type | Transfer |
| Record Updated | Apr 27, 2026 |
| Title Company | ATA NATIONAL TITLE GROUP LLC, ATA NATIONAL TITLE GROUP |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $147,575.14 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1046 N HUDSON ST, LOWELL, MI 49331-1008 |
| Document Number | 3186000271, |
|---|---|
| Date | Apr 13, 2026 |
| Book Page | 3186/271 |
| Name | DFT2 FINANCIAL LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.98% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | EATON MI |
| Recording Date | Aug 27, 2018 |
| Property Address | 809 WARREN AVE, CHARLOTTE, MI 48813-1976 |
| Document Number | 02750/0921 |
| Book / Page | 2750 / 0921 |
| Map Reference | LB2 PG2 |
| Instrument Date | Aug 24, 2018 |
| Transaction Type | Transfer |
| Record Updated | May 3, 2022 |
| Title Company | TRAX TITLE AGENCY LLC, TRI TITLE AGENCY LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $451.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 809 WARREN AVE, 809, CHARLOTTE, MI 48813-1976 |
| Name | Verified Name |
|---|---|
| Address | 629 S SHELDON ST, CHARLOTTE, MI 48813-1847 |
| Document Number | 0002750922 |
|---|---|
| Date | Aug 27, 2018 |
| Instrument | 2750/922 |
| Name | INDEPENDENT BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Sep 1, 2038 |
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 | $52,400 (+4.38%) | $100,301 (-) Land $26,379 Building $73,922 | |
| 2025 | $2,276.00 (+2.94%) | $50,200 (+9.85%) | $100,301 (+9.74%) Land $26,379 Building $73,922 |
| 2024 | $2,211.00 (+11.16%) | ||
| 2023 | $45,700 | $91,400 | |
| 2022 | $1,989.00 |
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 | Low lower than 80% of the US · above 51% of Michigan |
|---|---|
| Wildfire Likelihood | 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.
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 193 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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