902 Forest St, Charlotte, MI 48813 Property Records

Eaton County property record for 902 Forest St, Charlotte, MI 48813

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,183 sqft · built 1979
Lot Size	0.48 acres (20,909 sqft)
Owner	Individual Name on Record
Tax Bill	$3,307 (2025)
Deeds & Mortgages	Dec 2022 Transfer Sep 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20006665909101`

Property Details

APN / Parcel Number

Primary APN	`20006665909101`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,183 sqft Living Area
1st Floor Area	1,152 sqft
Basement Area	1,152 sqft
Unfinished Basement	1,152 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	20,909 sqft (0.48 acres)
Lot Dimensions	174 ft deep x 125 ft wide
Garage Area	576 sqft
Porch	Porch
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	902 FOREST ST
City	CHARLOTTE
State	MI
Zip	48813-1261
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	N/A
Legal Description	N 125 FT OF W 174.5 FT OF LOT 59. MCCLURES ADDITION, CITY OF CHARLOTTE. 11-22-00(COMBINATION)
Legal Subdivision	MCCLURES ADDITION
Legal Lot Number	59
Jurisdiction	EATON MI
Township / Civil Division	CHARLOTTE
Census Block Group	1
Census Block	1001
Census Tract	20901

Owner

Source: Eaton County records, as of October 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	902 FOREST ST, CHARLOTTE, MI 48813-1261
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 5, 2022	Intrafamily Transfer, Transfer
Sep 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage INDEPENDENT BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Nov 30, 2022
Transfer Doc	003031/253
Record Updated	Oct 29, 2026

December 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	EATON MI
Recording Date	Dec 5, 2022
Property Address	902 FOREST ST, CHARLOTTE, MI 48813-1261
Document Number	003031/253
Book / Page	3031 / 253
Instrument Date	Nov 30, 2022
Transaction Type	Transfer
Record Updated	Dec 16, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	902 FOREST ST, CHARLOTTE, MI 48813-1261

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EATON MI
Property Address	902 FOREST ST, CHARLOTTE, MI 48813-1261
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2870/39
Date	Sep 21, 2020
Book Page	2870/39

Lender

Name	INDEPENDENT BANK
Type	Bank
Address	GRAND RAPIDS, MI 49525

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2035

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		$139,600 (+21.29%)	$230,204 (-) Land $51,888 Building $178,316
2025	$3,307.00 (+2.93%) Homeowner's exemption	$115,100 (+20.9%)	$230,204 (+20.91%) Land $51,888 Building $178,316
2024	$3,213.00 (+12.3%)
2023		$95,200	$190,400
2022	$2,861.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective November 26, 2010 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; 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 95% of the US · lower than 89% 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 224 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

May also be available: Mercury Fiber.

Cell Coverage

5G (outdoors only) and 4G LTE

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