Pending
4090 Matthews Road, Charlotte, MI 48813
$324,000
MLS # 26012797 (Michigan Regional Information Center (MichRIC))
3 beds2 baths1,920 sqftBuilt 19696.81 acres
1 / 55
Listing Description
Nestled in the desirable Olivet School District, this charming ranch-style home offers the perfect blend of peaceful country living with beautiful updates--all set on 6.8 beautiful acres in a prime Charlotte location. Whether you're dreaming of a hobby farm or simply craving space and serenity, this property delivers. A stunning, brand-new 24x36 horse barn, large fenced pasture, and scenic walking trail create endless opportunities to enjoy the outdoors. Take in the picturesque views of wildlife, mature trees, and open land from the expansive 24x16 deck or the inviting concrete patio--ideal for relaxing or entertaining. The full basement is home to the laundry area and offers an abundance of storage space, with room to expand or finish to suit your needs, as it's already plumbed and ready for your ideas. In addition, a large storage shed provides even more space for tools, equipment, and extras--perfect for keeping everything organized.
Source: SparkMLS
About this home
This 3-bedroom, 2-bath, 1,920 sq ft home built in 1969 sits in Charlotte.
Asking $324,000 (about $169/sq ft).
Property tax estimate: $3,199 per year ($267/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 Area1,920 sqft
Lot Size6.81 acres
Year Built1969
Stories1
Location
CityCharlotte
MunicipalityWalton Twp
Zip Code48813
CountyEaton
School DistrictOlivet
Construction & Systems
StyleRanch
ConstructionBrick, Vinyl Siding
BasementFull
HeatingHot Water, Wood
WaterWell
SewerSeptic Tank
UtilitiesNatural Gas Connected, Cable Connected, High-Speed Internet
InteriorCeiling Fan(s), Eat-in Kitchen, Pantry
Sale & Financing
Listed3/31/2026
Terms AcceptedCash, FHA, VA Loan, Rural Development, MSHDA, Conventional
Source: SparkMLS
Tax Information
Annual Tax$3,199
Tax Year2025
State Equalized Value$104,914
Taxable Value$96,018
Assessed Value$93,494
Parcel #14000220086001
Source: Public Records
Legal Description
A PARCEL 280.5 FT E&W BY 1095.5 FT N&S IN SE COR OF N FRL 1/2 OF NE FRL 1/4; EXCEPT COM NE COR SEC 2; S0(DEGREES)33'10
Property Records
FEMA Flood Zone: Zone X — Minimal flood risk
Source: FEMA NFHLUSDA Rural Development: Eligible — 0% Down Payment Available
Verify eligibility at USDAListed by Brooke Edison
Century 21 White House Realty
Frequently Asked Questions about 4090 Matthews Road, Charlotte, MI 48813
Which school district serves 4090 Matthews Road, Charlotte, MI 48813?
Per MLS# 26012797, 4090 Matthews Road, Charlotte, MI 48813 is in the Olivet boundaries. School district assignments are determined by property location and may differ from the mailing city. Contact Olivet directly to confirm enrollment eligibility.
Can I use FHA or VA financing for this property?
Per MLS# 26012797, this listing accepts Cash, FHA, VA Loan, Rural Development, MSHDA, Conventional financing. FHA financing can offer lower down payment requirements for qualified buyers. Financing acceptance is subject to change — confirm with the listing agent.
What are the property taxes at 4090 Matthews Road, Charlotte, MI 48813?
Per public tax records, annual property taxes for this property are $3,199 (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.
Can I use a USDA Rural Development loan for this property?
Per USDA Rural Development boundary data, 4090 Matthews Road, Charlotte, MI 48813 is in an eligible area. USDA RD loans offer 0% down payment for qualified buyers. Verify current eligibility at the USDA eligibility site, as boundaries are updated periodically.
Is 4090 Matthews Road, Charlotte, MI 48813 in a flood zone?
Per FEMA flood maps, this property is designated as Zone X, a minimal-risk flood area. 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.
What utilities serve 4090 Matthews Road, Charlotte, MI 48813?
Per Michigan Public Service Commission service territory data: Electric: Consumers Energy Company. Gas: Consumers Energy Company. Sewer: Septic Tank. Water: Well. Confirm service details directly with providers.
What is the crime rate in this area?
For crime and public safety data, we recommend inquiring directly with the Walton Twp police department or the Eaton County sheriff's office.
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Monthly payment$2,101
Principal & interest$2,101
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
4090 Matthews Road, Charlotte, MI 48813
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