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2069 Packard Hwy, Charlotte, MI, 48813

4beds
2baths
2,220sqft
$239,000
$108price/sqft
$1,826/moest. monthly cost
$73,040/yrincome needed

About This Home

Welcome home. This four bedroom, two full bath property offers roughly 2,200 square feet of living space, laid out in a way that works just as well for a quiet weeknight as it does for a house full of company. Step inside and the flow makes sense right away. The main living areas open up to give you real room to spread out, whether that means everyone landing in the same space after a long day or setting up for a holiday dinner without anyone feeling crowded. There is space here to actually live, not just square footage on paper. The primary suite sits on the main floor with its own private en suite bath, giving you separation from the rest of the bedrooms and a setup that works long term. Main floor laundry sits nearby, which is one of those features buyers do not always think to ask for and then never want to give up once they have it. Upstairs you will find the additional bedrooms, giving kids, guests, or roommates their own space away from the primary. Two full baths mean no traffic jams in the morning. The dedicated home office is a real standout. It is a true room with a door, built for remote work, school, or a hobby setup, so your work life stays where it belongs instead of taking over the kitchen table. Out back, the deck overlooks an expansive yard with room for anything you want to do with it. Fire pit, garden beds, a play set, or just open grass and quiet. It is the kind of backyard that is getting harder to find, and it gives you privacy without feeling isolated. The two car detached garage rounds it out with room for vehicles, storage, lawn equipment, or the workshop you have been planning to build. Four bedrooms, a main floor primary suite, a true office, main floor laundry, a large yard, and a detached garage. That is a lot of house and a lot of function in one package, and the Charlotte location keeps you close to town while still giving you breathing room. Schedule your private showing today and come see it for yourself.

Getting Around

31
WalkingCar-Dependent
0
TransitVery Limited Transit
31
BikeSomewhat Bikeable

Schools

--
Galewood ElementaryGrades PK-K2.2 mi
6/10
6/10

Construction

Condition

  • Year built: 1900

Materials

  • Construction materials: Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Traditional
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Microwave,Range/Oven,Refrigerator,Washer

Basement

  • Has basement: Yes
  • Basement: MI Basement,Michigan Basement

Bathroom1

  • Level: Main

Bathroom2

  • Level: Second

Bedroom1

  • Level: Second
  • Area: 168

Bedroom2

  • Level: Second
  • Area: 144

Bedroom3

  • Level: Second
  • Area: 144

Bedroom4

  • Level: Second
  • Area: 120

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bathrooms: 1

Features

  • Finished area below ground: 0
  • Finished area above ground: 2,220

Heating & Cooling

  • Heating features: Forced Air,Natural Gas
  • Cooling features: Central Air

Interior Area

  • Total structure area: 3,040
  • Total interior livable area: 2,220 sqft

Property

Details

  • Parcel number: 11004560000800
  • Special condition: Private

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Deck
  • Waterfront features: None
  • Frontage type: Road
  • Frontage length: 124

Lot

  • Lot size: 0.47 Acres
  • Lot size dimensions: 124' x 167' x 125' x 167'

Parking

  • Total spaces: 2
  • Parking features: Detached
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Ice Storm
    Ice StormModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Strong Wind
Tornado
Cold Wave
Hail
Ice Storm
Winter Weather

FEMA Declared Disasters in Eaton County and Michigan

Flood
Severe Ice Storm
Severe Storm
Tornado
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $1,208$14,496
Home Insurance *$110$1,320
Property Taxes $266$3,192
Electricity $242$2,905
Total$1,826$21,912
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$62,605/yr
40% on housing$54,780/yr
45% on housing$48,693/yr

Michigan FAIR Plan Programs

Michigan Basic Property Insurance Association

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 15,981Commercial: 293
Total Premiums$13.85M
Total Exposure$2.60B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 1.5%
1.5%
0%30.0%
Electricity Growth Rate10-year average: 3.9%
3.9%
0%15.0%
Property Taxes Growth Rate2-year average: 1.7%
1.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$108This listing

vs Other Active Listings

Avg $/sqft

ZIP 48813$153
Eaton County$139

vs Homes Sold Last Month

Median $/sqft

ZIP 48813$144
Eaton County$142

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-08-11Price change$209,900
2026-08-06Listed for sale$215,000
2026-08-04Listing removed$239,000
2026-07-31Listed for sale$239,000
2021-01-08Sold$190,000
2020-12-07Pending sale$184,900
2020-11-29Price change$184,900
2020-10-31Price change$189,900
2020-10-19Price change$199,900
2020-10-02Listed for sale$204,900
2019-10-03Sold$173,900
2019-09-28Pending sale$169,900
2019-07-25Listed for sale$169,900
2003-09-23Sold$130,000
2000-01-01Sold$190,000

For Sale by Agent

AgentTravis C Scott
BrokerageEXP Realty

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