Charlotte Homes with FHA Listing Terms

Charlotte Homes with FHA Listing Terms

Welcome to the vibrant community of Charlotte, Michigan, where small-town charm meets modern convenience! Nestled in Eaton County, Charlotte is renowned for its friendly atmosphere, rich history, and a strong sense of community. One of the standout features of this lovely area is its exceptional school district, which is dedicated to providing quality education and fostering a nurturing environment for students of all ages.

Charlotte Public Schools boasts a range of educational programs and extracurricular activities designed to engage and inspire students. With dedicated teachers and a commitment to academic excellence, the district is highly regarded for its focus on student achievement and personal development. Families in Charlotte can take pride in knowing their children are receiving a well-rounded education, preparing them for future success.

For those considering a move to this charming town, you’ll be pleased to know that there are homes available with FHA listing terms. This means that first-time homebuyers and those looking to invest in real estate can take advantage of flexible financing options, making it easier to find your dream home. Whether you’re searching for a cozy bungalow or a spacious family residence, Charlotte offers a variety of properties that cater to diverse tastes and budgets.

In addition to its excellent schools and welcoming neighborhoods, Charlotte is conveniently located near major highways, providing easy access to nearby cities and amenities. Discover the perfect blend of community spirit, educational excellence, and affordable housing in Charlotte, MI – your new home awaits!

Newest Charlotte Homes with FHA Listing Terms

$239,000
4 Beds ⋅ 2 Baths ⋅ 26039706 MLS ⋅ ACTIVE Status
Welcome to 2069 Packard Hwy, Charlotte, MI 48813! This spacious 4-bedroom, 2-bathroom home offers approximately 2,200 square feet of comfortable living space, thoughtfully designed for both everyday living and entertaining. You'll appreciate the dedicated home office, providing the ideal space for remote work, studying, or a hobby room. Conveniently located on the main level, the private primary suite offers its own en-suite bathroom, along with main-floor laundry for added ease and functionality. Step outside onto the deck to unwind after a long day while overlooking the expansive backyard, perfect for outdoor entertaining, gardening, or simply enjoying the peaceful surroundings. Completing the property is a 2-car detached garage, providing ample space for parking, storage, or a workshop. Don't miss the opportunity to make this Charlotte home your New home.

2069 Packard Highway, Charlotte
$192,000
2 Beds ⋅ 1 Baths ⋅ 20261059395 MLS ⋅ ACTIVE Status
Welcome to this charming 2 bedroom, 1 bath home in a great Charlotte location! Sitting on a desirable corner lot, this home offers a comfortable layout with plenty of spaces that can be used to fit your needs. Whether you’re looking for room to relax, work from home, entertain, or simply spread out, there is flexibility throughout the home. The inviting front porch is a wonderful spot to relax, while the back deck provides additional outdoor living space with more privacy. The deck was replaced in 2025, giving you a fresh space to enjoy the yard. The shed has power and is an excellent space for additional outside uses. Inside, the home offers a functional kitchen with appliances replaced in 2021. The full basement provides valuable additional space for storage, hobbies, recreation, or whatever works best for you. The basement offers even more usable space beyond the main level. A one car garage adds convenient covered parking and additional storage. Additional recent improvements include a new ridge cap/vent installed in spring 2026. With its great location, corner lot, inviting outdoor spaces, useful basement, and flexible layout, this home offers a lot to appreciate. Come take a look and see how this sweet Charlotte home could work for you!

322 W Shaw Street, Charlotte
$624,000
4 Beds ⋅ 2 Baths ⋅ 26038541 MLS ⋅ ACTIVE Status
Country Living Meets Modern Luxury on 10 Acres! Welcome home to this beautifully crafted 4-bedroom, 2-bath ranch, perfectly situated on 10 scenic acres in Charlotte. Built in 2023, this thoughtfully designed home offers the ideal blend of modern comfort, quality craftsmanship, and peaceful country living. Step inside to discover an inviting open-concept floor plan highlighted by soaring vaulted ceilings, abundant natural light, and stylish finishes throughout. The spacious kitchen is the heart of the home, featuring a large center island with seating, custom cabinetry, stainless steel appliances, and a walk-in pantry with charming barn doors. The primary suite provides a private retreat with a generous walk-in closet and an en-suite bath complete with dual vanities and a spacious walk-in shower. The partially finished basement offers additional living space perfect for a family room, recreation area, home gym, or future expansion. Outside, enjoy the oversized covered deck overlooking your private acreage—ideal for relaxing, entertaining, or taking in the peaceful countryside views. The property also includes four versatile outbuildings, including a large powered pole barn with concrete floors, providing exceptional space for hobbies, equipment, storage, livestock, or a home business. Whether you're looking for room to roam, start a hobby farm, or simply enjoy the privacy of country living, this property delivers endless possibilities. With modern construction, spacious living areas, impressive outbuildings, and 10 beautiful acres, this is a rare opportunity to own a turnkey country estate just minutes from Charlotte's conveniences. Schedule your private showing today!

2434 S Cochran Road, Charlotte
$264,900
3 Beds ⋅ 1 Baths ⋅ 50215786 MLS ⋅ ACTIVE Status
Discover this amazing opportunity in this 3-bedroom 1-bath home. Endless possibilities with the 2.66 acres with an inground pool. The sunroom is a beautiful highlight to enjoy the summer or winter months in a cozy environment. Easy access to I-69. This property delivers country charm with urban convenience. Some updates include a new roof in 2021 and new furnace in 2022. Charlotte itself shines with family friendly highlights like the expansive Bennett Park that has trails, playgrounds and picnic areas. Charlotte has a vibrant downtown featuring the Eaton Theatre, local shops, farmers markets, and annual festivals.

1830 Flanders Road, Not Provided
$350,000
3 Beds ⋅ 3 Baths ⋅ 26034531 MLS ⋅ ACTIVE Status
Welcome to 2256 S Cochran Rd! Built in 2021, this stunning newer-construction home offers the perfect blend of peaceful country living and city convenience—just minutes from local shopping and Charlotte's quaint downtown diners. Situated on a spacious 2.25-acre lot, this home features 3 bedrooms and 3 full bathrooms, highlighted by an expansive primary suite designed for ultimate comfort. The open-concept kitchen is built for entertaining, seamlessly connecting to your living space and leading out to a large back deck that's perfect for summer gatherings. A 3-car attached garage provides plenty of space for vehicles, storage, or hobbies. The walk-out basement offers excellent potential for future living space and is ready for your personal finishing touches—whether you envision a recreation room, home theater, fitness area, or additional bedrooms. If you're looking for the benefits of newer construction, room to grow, and a peaceful setting with easy access to town, this property is one you won't want to miss. Schedule your private showing today!

2256 S Cochran Road, Charlotte
$314,900
4 Beds ⋅ 2 Baths ⋅ 26029757 MLS ⋅ ACTIVE Status
Welcome home to this beautifully updated 4-bedroom, 1.5-bath property offering the perfect blend of modern upgrades, outdoor living, and extra space. Recent improvements include a brand-new roof with a transferable lifetime warranty, brand-new furnace, central air, flooring throughout, fresh paint, and new appliances. The kitchen features refinished real hardwood floors, while the bathroom showcases a custom ceramic-tiled shower. Enjoy entertaining or relaxing outdoors on the large wraparound rear deck and concrete patio with privacy fence. Additional features include a 1-car attached garage and a large shed with fresh new siding. As an added bonus, the sale includes Parcel #110-004-400-085-00, providing an additional 1.84 acres of land. With extensive updates, extra acreage, and move-in-ready condition, this property offers exceptional value and room to enjoy both inside and out.

1077 Gidner Road, Charlotte
$469,900
6 Beds ⋅ 2 Baths ⋅ 26011175 MLS ⋅ ACTIVE Status
Nestled on just under Ten Acres, this Desirable Ranch-Style Home is Anchored by an Expansive Pond, which Features around 340Ft. of Water Frontage, and Breathtaking Views. Encompassed by a Full Wrap-Around Deck, the Outdoor Entertainment Possibilities are Endless. Upon Entering, You are Greeted by a Large Mudroom, Attached to another Spacious Mudroom/Storage Area. A Gorgeous Stone, Wood-Burning Fireplace Highlights the Alluring Open Floor Plan, which Ties Together the Vast Kitchen/Dining/Living Areas. Stunning Knotty Pine Beckons Throughout, while Leading You into the Bright Sunroom~ which Features Admirable Cathedral Ceilings. The Main Floor is also Home to The Primary Bedroom which is Accompanied by a Private Full Bathroom; along with a Second Bedroom, and another Full Bathroom. Winding Downstairs, You will Find an Expansive Family Room, along with Four More Convenient Bedrooms. There is also an Additional Finished10x12 Bonus Room, along with a Vast Amount of Storage Space. Wandering back Outside~ the Spacious Three-Stall Attached Garage, Brings it All Together. This Property also Highlights an Insulated 40x80 Pole Barn, which features a Convenient Pit, and 14Ft. Eaves~ So Many Possibilities Here! To Top it Off for any Hunters, there is an Existing Hunting Blind that Stays with the Property. *New laminate flooring inside (2025). Furnace and A/C- 5 yrs. old +/-. Replacement windows (2016)

1306 Jack Henry Drive, Charlotte
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