946 Charles St, Plainwell, MI 49080 Property Records

Allegan County property record for 946 Charles St, Plainwell, MI 49080

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,202 sqft · built 1996
Lot Size	1.57 acres (68,781 sqft)
Owner	Individual Name on Record
Last Sale	$172,500 (Sep 2016)
Tax Bill	$3,352 (2025)
Deeds & Mortgages	Sep 2023 Line of Credit Nov 2021 Mortgage
Flood Zone	Zone A (high risk)
APN	`08-420-015-00`

Property Details

APN / Parcel Number

Primary APN	`08-420-015-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Stories	1 Story
Building Area	2,202 sqft Living Area
1st Floor Area	1,236 sqft
Basement Area	1,152 sqft
Unfinished Basement	1,152 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Ranch
Exterior Material	Wood Siding
Foundation Type	No Foundation
Lot Area	68,781 sqft (1.57 acres)
Lot Dimensions	430 ft deep x 160 ft wide
Garage Area	1,440 sqft
Parking Spaces	5 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	946 CHARLES ST
City	PLAINWELL
State	MI
Zip	49080-1810
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	LOT 15 & 16 RUMBLE'S OAK DALE ALSO COM AT NE COR LOT 14 SAID RUMBLE'S OAK DALE TH S 13 DEG 23' 00 W 110' TH S 67 DEG 11' 00 W
Legal Range	11W
Legal Township	01N
Legal Section	29
Legal Subdivision	RUMBLES OAK DALE
Legal Lot Number	14-16
Jurisdiction	ALLEGAN MI
Township / Civil Division	GUN PLAIN
Census Block Group	2
Census Block	2016
Census Tract	32100

Owner

Source: Allegan County records, as of June 25, 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	946 CHARLES ST, PLAINWELL, MI 49080-1810
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 6, 2023	Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK
Nov 18, 2021	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 9, 2016 · Amount on Record
Deed Sale	Sep 9, 2016 · Amount on Record
Prior Sale	Feb 17, 2010 · Amount on Record
Deed Book / Page	4063 / 907
Record Updated	Sep 20, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGAN MI
Property Address	946 CHARLES ST, PLAINWELL, MI 49080-1810
Transaction Type	Mortgage
Record Updated	Oct 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	946 CHARLES ST, PLAINWELL, MI 49080-1810

Mortgage

Document Number	004883/578
Date	Sep 6, 2023
Book Page	4883/578
Instrument	2023012773

Lender

Name	COASTAL COMMUNITY BANK
Type	Bank
Address	BURLINGAME, CA 94010

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGAN MI
Property Address	946 CHARLES ST, PLAINWELL, MI 49080-1810
Transaction Type	Mortgage
Record Updated	Dec 1, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	946 CARRIE AVE, PLAINWELL, MI 49080-9517

Mortgage

Document Number	4699/1
Date	Nov 18, 2021
Book Page	4699/1

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

Tax Assessment & Valuation

Source: Allegan County assessment roll, as of June 25, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Allegan County
County Subdivision	Gun Plain Township
Unified School District	Plainwell Community Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$146,900 (+27.3%) Land $32,000 Building $114,900	$293,800 (+27.3%) Land $64,000 Building $229,800
2025	$3,352.00 (+12.45%)
2023		$115,400 Land $18,800 Building $96,600	$230,800 Land $37,600 Building $193,200
2022	$2,981.00

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 June 21, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Nearby Flood Policies	2 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 94% of the US · lower than 85% of Michigan
Wildfire Likelihood	Under 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 109 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Surf Internet Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Mercury Fiber Fixed Wireless	150 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: 123.NET.

Cell Coverage

5G (outdoors only) and 4G LTE

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