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220 Prairie Street, Charlotte, MI 48813
$145,000
MLS # 26037946 (Michigan Regional Information Center (MichRIC))
3 beds2 baths1,974 sqftBuilt 18750.14 acres
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Listing Description
Welcome to this spacious 3-bedroom, 1.5-bath home in the heart of Charlotte, offering nearly 2,000 finished sq. ft. of living space. Features include an updated roof, wood-burning stove for supplemental heat, oversized 2.5-car garage, and a large rear parking area with plenty of room for guests, entertaining, or extra vehicles. The shared driveway leads to a generous turnaround and ample off-street parking. This home has been well maintained and is move-in ready, with great potential for a buyer looking to add their own style and build equity. Priced to reflect needed cosmetic updates, including windows, flooring, paint, siding, and a kitchen renovation. The HVAC system is older but currently operational. An exceptional opportunity for homeowners or investors seeking outstanding value with significant upside. **Interior photos coming soon!**
Source: SparkMLS
About this home
This 3-bedroom, 2-bath, 1,974 sq ft home built in 1875 sits in Charlotte in Charlotte.
Listed at $145,000 (about $73/sq ft).
Annual property taxes run approximately $3,074 ($256/month). Tax figure is from the MLS listing record; verify with the county treasurer for the most current amount.
Electric service is provided by Consumers Energy Company.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms3
Bathrooms2
Living Area1,974 sqft
Lot Size0.14 acres
Year Built1875
Stories2
Location
CityCharlotte
MunicipalityCharlotte City
Zip Code48813
CountyEaton
School DistrictCharlotte
Construction & Systems
StyleTraditional
ConstructionVinyl Siding, Wood Siding
BasementMichigan Basement
Garage2.5 spaces
HeatingForced Air, Wood
WaterPublic
SewerPublic
UtilitiesNatural Gas Connected, Cable Connected, High-Speed Internet
Sale & Financing
Listed7/22/2026
Terms AcceptedCash, Conventional
Source: SparkMLS
Tax Information
Annual Tax$3,074
Tax Year2025
State Equalized Value$79,300
Taxable Value$62,775
Assessed Value$62,775
Parcel #20005100046001
Source: Public Records
Legal Description
N 1/2 OF LOT 46, EXCEPT 4 FT OFF S SIDE TO BE MAINTAINED AS A DRIVE WAY. AND E 1/2 OF VACATED ALLEY ADJOINING ON WEST. GALE'S ADDITION, CITY OF CHARLOTTE. D 12-27-17 R 2-7-18 (ADJUSTMENT) ADJUSTED FROM 200-051-000-460-00 FOR 2020.
Property Records
FEMA Flood Zone: Zone X — Minimal flood risk
Source: FEMA NFHLUSDA Rural Development: Eligible — 0% Down Payment Available
Verify eligibility at USDAPrice & Status History
Jul 23, 2026
Listed for sale
$145,000
More Homes in Charlotte
Listed by Todd Trowbridge Jr
Real Estate Warehouse L.L.C.
Frequently Asked Questions about 220 Prairie Street, Charlotte, MI 48813
What school district is 220 Prairie Street, Charlotte, MI 48813 in?
Per MLS# 26037946, this property is served by Charlotte. In Michigan, school district boundaries are set by the state and do not always follow city limits.
Can I use FHA or VA financing for this property?
Per MLS# 26037946, the seller has indicated this property accepts the following financing types: Cash, Conventional. Financing acceptance is subject to change — confirm with the listing agent.
How much are property taxes for this home?
Per MLS# 26037946, the most recent reported annual property tax for 220 Prairie Street, Charlotte, MI 48813 is $3,074 (2025). Michigan property taxes are based on a property's taxable value multiplied by the local millage rate. Primary residences qualify for a homestead exemption that lowers the rate.
Is 220 Prairie Street, Charlotte, MI 48813 eligible for USDA financing?
Per USDA boundary maps, this property is located in a USDA-eligible area, which means qualified buyers may be able to finance with 0% down through the USDA Rural Development program. Confirm current eligibility directly with USDA.
What is the FEMA flood zone designation for this property?
Per FEMA's National Flood Hazard Layer, 220 Prairie Street, Charlotte, MI 48813 is in flood zone X (minimal risk). Flood insurance is not typically required in this zone but may still be advisable. FEMA flood maps are updated periodically — verify the current designation at msc.fema.gov.
Who are the utility providers for this property?
Per Michigan Public Service Commission service territory data: Electric: Consumers Energy Company. Gas: Consumers Energy Company. Sewer: Public. Water: Public. Confirm service details directly with providers.
How safe is this area?
For crime and public safety data, we recommend inquiring directly with the Charlotte City police department or the Eaton County sheriff's office.
Map
Mortgage Calculator
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Monthly payment$940
Principal & interest$940
Estimate only. Does not include PMI or other fees. Consult a lender for exact rates.
Utilities
Consumers Energy Company
Investor-Owned
Consumers Energy Company
Investor-Owned
MI Public Service Commission service territory boundaries.
Property
220 Prairie Street, Charlotte, MI 48813
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Municipality
Charlotte
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