1322 E Barden Rd, Charlotte, NC 28226 Property Records

Mecklenburg County property record for 1322 E Barden Rd, Charlotte, NC 28226

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,544 sqft · built 1970
Lot Size	0.55 acres (23,958 sqft)
Owner	2 Individual Names on File
Tax Bill	$4,755 (2024)
Deeds & Mortgages	May 2026 Mortgage Jul 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`187-122-13`

Property Details

APN / Parcel Number

Primary APN	`187-122-13`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Building Area	2,544 sqft Living Area
1st Floor Area	1,732 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 2000
Architectural Style	Split Level
Exterior Material	Brick
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Asphalt
Lot Area	23,958 sqft (0.55 acres)
Pool Area	800 sqft
Patio Area	216 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	1322 E BARDEN RD
City	CHARLOTTE
State	NC
Zip	28226-5828
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	L13B3M15-161 1322 EAST BARDEN
Legal Subdivision	OLD SALEM
Legal Block	3
Legal Lot Number	13
Jurisdiction	MECKLENBURG NC
Township / Civil Division	1, CHARLOTTE
Census Block Group	2
Census Block	2004
Census Tract	2908

Owner

1322 E Barden Rd is owned and occupied by two individuals who acquired it in February 1976.

Source: Mecklenburg County records, as of May 19, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1322 E BARDEN RD, CHARLOTTE, NC 28226-5828
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 4, 2026	Deed of Trust, Mortgage · VA Mortgage MOVEMENT MORTGAGE
Jul 3, 2017	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Oct 5, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 10, 1976
Deed Sale	Feb 10, 1976
Deed Book / Page	3819 / 865
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Recording Date	May 4, 2026
Property Address	1322 E BARDEN RD, CHARLOTTE, NC 28226-5828
Document Number	0000045931
Book / Page	40393 / 80
Instrument Date	Apr 28, 2026
Instrument	202645931
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1322 E BARDEN RD, CHARLOTTE, NC 28226-5828

Mortgage

Document Number	0000045931,
Date	May 4, 2026
Book Page	40393/80
Instrument	202645931

Lender

Name	MOVEMENT MORTGAGE

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	6.46%
Max Rate	-1%

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	1322 E BARDEN RD, CHARLOTTE, NC 28226-5828
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000089086
Date	Jul 3, 2017
Book Page	31937/692
Instrument	2017089086

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MICKLETON, NJ 08056

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2047

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	1322 E BARDEN RD, CHARLOTTE, NC 28226-5828
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000163121
Date	Oct 5, 2020
Book Page	35141/524
Instrument	2020163121

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2050

Tax Assessment & Valuation

Source: Mecklenburg County assessment roll, as of September 9, 2025

Property Jurisdictions

Type	Name
State	North Carolina
County	Mecklenburg County
Municipality	Charlotte City
Unified School District	Charlotte-Mecklenburg Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$607,800 Land $195,000 Building $412,800	$607,800 Land $195,000 Building $412,800
2024	$4,755.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1322 E Barden Rd in Zone X, an area of minimal flood risk.

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.

Wildfire

Wildfire risk around 1322 E Barden Rd is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 95% of the US · lower than 97.4% of North Carolina
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 161 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

Cell Coverage

5G (outdoors only) and 4G LTE

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