Mecklenburg County property record for 1018 Clover Gap Dr, Charlotte, NC 28214
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,248 sqft · built 2006 |
| Lot Size | 0.143 acres (6,229 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $136,500 (Nov 2009) |
| Tax Bill | $2,847 (2025) |
| Deeds & Mortgages | Apr 2024 Second Mortgage Jul 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 035-232-62 |
| Primary APN | 035-232-62 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,248 sqft Living Area |
| Gross Area | 2,648 sqft |
| 1st Floor Area | 924 sqft |
| Upper Floors Area | 1,324 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Asphalt |
| Lot Area | 6,229 sqft (0.143 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Porch | Slab |
| Porch Area | 63 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 1018 CLOVER GAP DR |
|---|---|
| City | CHARLOTTE |
| State | NC |
| Zip | 28214-7159 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-4 |
| Legal Description | L231 M39-51 |
| Legal Subdivision | CREEKSIDE/COULWOOD PH 02 MAP 06 |
| Legal Block | 2 |
| Legal Lot Number | 231 |
| Jurisdiction | MECKLENBURG NC |
| Township / Civil Division | 1, CHARLOTTE |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 6016 |
Source: Mecklenburg County records, as of July 22, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 1018 CLOVER GAP DR, CHARLOTTE, NC 28214-7159 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 29, 2024 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU |
| Jul 3, 2019 | Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV |
| Jul 3, 2019 | Loan Modification, Mortgage · Conventional Mortgage WELLS FARGO BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 30, 2009 · Amount on Record |
| Deed Sale | Nov 30, 2009 · Amount on Record |
| Prior Sale | May 31, 2006 · Amount on Record |
| Deed Document Number | 2009162067 |
| Deed Book / Page | 25256 / 456 |
| Prior Transfer Date | Oct 3, 2006 |
| Prior Transfer Doc | 0000229995 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 1018 CLOVER GAP DR, CHARLOTTE, NC 28214-7159 |
| Transaction Type | Mortgage |
| Record Updated | May 15, 2024 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|
| Document Number | 0000038335 |
|---|---|
| Date | Apr 29, 2024 |
| Book Page | 38782/669 |
| Instrument | 2024038335 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | 820 FOLLIN LN SE, VIENNA, VA 22180 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | May 1, 2044 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 1018 CLOVER GAP DR, CHARLOTTE, NC 28214-7159 |
| Document Number | 0000095916 |
| Instrument Date | Jul 3, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Aug 23, 2019 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 1018 CLOVER GAP DR CHARLOTTE NC 282147159, CHARLOTTE, NC 28214-7159 |
| Document Number | 0000095916 |
|---|---|
| Date | Jul 29, 2019 |
| Book Page | 033706/000435 |
| Instrument | 95916 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | 451 7TH ST SW, WASHINGTON, DC 20410-0001 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 28, 2049 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 1018 CLOVER GAP DR, CHARLOTTE, NC 28214-7159 |
| Document Number | 0000104327 |
| Instrument Date | Jul 3, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Aug 29, 2019 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 1018 CLOVER GAP DR CHARLOTTE NC 282147159, CHARLOTTE, NC 28214-7159 |
| Document Number | 0000104327 |
|---|---|
| Date | Aug 13, 2019 |
| Book Page | 033752/000043 |
| Instrument | 104327 |
| Name | WELLS FARGO BK |
|---|---|
| Type | Bank |
| Address | DES MOINES, IA 50328 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 12, 2049 |
| Rate | 4.62% |
|---|
Source: Mecklenburg County assessment roll, as of September 9, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Mecklenburg County |
| Municipality | Charlotte City |
| Unified School District | Charlotte-Mecklenburg Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,847.00 | $348,500 Land $75,000 Building $273,500 | $348,500 Land $75,000 Building $273,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective October 3, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 2 (40% premium discount) |
| Nearby Flood Policies | 1 in force |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 76% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CHARLOTTE WATER serves 1,206,285 people · EPA ID NC0160010 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jul 2025 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 324 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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