For Sale
8860 Timber Lane, Charlotte, MI 48813
$449,900
MLS # 26026274 (Michigan Regional Information Center (MichRIC))
5 beds3 baths3,144 sqftBuilt 20044.94 acres
1 / 25
Listing Description
Welcome home to this spacious 5-bedroom, 3-full-bath residence featuring vaulted ceilings and an open-concept floor plan designed for comfortable living and entertaining. The main living area flows seamlessly into the beautifully updated kitchen, creating a bright and inviting gathering space. Just off the kitchen, you'll find a four-season room offering year-round enjoyment, as well as the private primary suite. Spend cozy evenings by the fireplace in the living room, or head downstairs to enjoy the dedicated billiards room. The fully finished lower level also includes a second living area, a kitchenette, two additional bedrooms, and a full bathroom, making it an ideal space for extended family, guests, or a private in-law suite. With its versatile layout and abundance of living space, this home offers comfort, functionality, and endless possibilities.
Source: SparkMLS
About this home
5-bedroom, 3-bath, 3,144 sq ft home in Charlotte built in 2004.
Asking $449,900 (about $143/sq ft).
Property tax estimate: $3,896 per year ($325/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; natural gas by SEMCO Energy Gas Company.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms5
Bathrooms3
Living Area3,144 sqft
Lot Size4.94 acres
Year Built2004
Stories1
Location
CityCharlotte
MunicipalityCharlotte City
Zip Code48813
CountyEaton
School DistrictOlivet
Construction & Systems
StyleRanch
ConstructionVinyl Siding
BasementFull, Walk-Out Access
Garage2 spaces
HeatingForced Air
WaterWell
SewerSeptic Tank
UtilitiesPhone Connected, High-Speed Internet
InteriorCeiling Fan(s), Garage Door Opener, Center Island
Sale & Financing
Listed6/1/2026
Terms AcceptedCash, FHA, Conventional
Source: SparkMLS
Tax Information
Annual Tax$3,896
Tax Year2025
State Equalized Value$165,431
Taxable Value$120,649
Assessed Value$117,478
Parcel #15003030008202
Source: Public Records
Legal Description
COM S 1/4 COR SEC.30, S89 58'29''W 817.73 FT, N00 12'44''W 440.53 FT TO POB, N00 12'44''W 440.52 FT, N89 56'35''E 489.01 FT, S00
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 Benjamin Biek
Amplified Real Estate
Frequently Asked Questions about 8860 Timber Lane, Charlotte, MI 48813
Which school district serves 8860 Timber Lane, Charlotte, MI 48813?
Per MLS# 26026274, 8860 Timber Lane, 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.
What type of financing is accepted for this listing?
Per MLS# 26026274, this listing accepts Cash, FHA, 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 8860 Timber Lane, Charlotte, MI 48813?
Per public tax records, annual property taxes for this property are $3,896 (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, 8860 Timber Lane, 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 8860 Timber Lane, 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 8860 Timber Lane, Charlotte, MI 48813?
Per Michigan Public Service Commission service territory data: Electric: Consumers Energy Company. Gas: SEMCO Energy Gas 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 Charlotte City police department or the Eaton County sheriff's office.
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Monthly payment$2,918
Principal & interest$2,918
Estimate only. Does not include PMI or other fees. Consult a lender for exact rates.
Utilities
Consumers Energy Company
Investor-Owned
SEMCO Energy Gas Company
Investor-Owned
MI Public Service Commission service territory boundaries.
Property
8860 Timber Lane, Charlotte, MI 48813
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